📍Cardiff, London or Remote (UK)  | 💰 £76,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

About our Financial Health Team:

We are scaling up our Data and Credit team to support the rapid growth and evolution of our portfolio. We are looking for a Senior Data Analyst to join our Financial Health squad who are focused on supporting customers in financial difficulty. 

As a Senior Data Analyst, you’ll be working in collaboration with Product, Data Science and Analytical Engineering peers on data-driven insights and initiatives. We’re looking for an experienced Senior Data Analyst with hands-on experience who can bring fresh thinking and new ways to inspire the team and our customers.

What you’ll be working on:

As a Senior Data Analyst you will partner with Product Managers, Engineers, and Data Scientists in an agile product environment. You’ll champion the use of data and bring ideas to life through a rigorous analytical approach. Your work will focus on improving the support we offer to customers in financial difficulty, ensure our operational processes are well controlled and we meet regulatory requirements.

At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and execute quickly. 

Our mission is to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly (both on our existing products, and with the planned launch of new products). We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. 

Your day-to-day:

• Generate insights that can drive the direction of our Financial Health strategy through proactive analysis
• Bring data-driven rigour to our approach to product development and build a strategic understanding of the business while structuring complex projects to bring them to life
• Work and advise on Financial Health’s global expansion strategy
• Develop and maintain Looker dashboards, reports and metrics that assess business and customer outcomes within Financial Health
• Ensure accurate reporting to third parties and regulators
• Build and maintain controls to ensure our business processes are running as intended 
• Lead projects to improve the accuracy, efficiency and accessibility of our data

Locations & flexible working:

Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.

We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.

We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.

Work the way that works for you at Monzo! 💼

Our technology stack:

Our Data team's mission is to Enable Monzo to Make Better Decisions, Faster

At the core of this mission sits our data platform. We're great believers in powerful, real-time analytics and empowerment of the wider business. Our engineers collect analytics events from their microservices, and upload these into our Data stack for analysis. We optimise for simplicity and re-usability – all our data lives in one place and is made available via our data warehouse in Google BigQuery.

We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):

• Google Cloud Platform for all of our analytics infrastructure
• dbt and BigQuery SQL for our data modelling and warehousing
• Python for data science
• Go to write our application code
• AWS for most of our backend infrastructure

You should apply if:

• What we’re doing here at Monzo excites you!
• You are passionate about using data to improve and inform business decisions
• You’re motivated by solving challenging problems, and communicating and collaborating closely with subject matter experts on those solutions
• You’re excited by the opportunity to work autonomously to impact the future of a fast growing, ever evolving business
• You’re as comfortable getting hands-on as taking a step back and thinking strategically
• You are experienced with using a variety of Data Analysis tools. You know when to pick the right tool, and can help others do the same
• You have a solid grounding in SQL 
• Experience in Financial Health is a plus, but not required.

We're on the look out for L40 Senior Data Analysts at the moment, you can read more in our Data Progression Framework

The interview process:

Our interview process involves 4 main stages. We promise not to ask you any brain teasers or trick questions!

• 30 minute recruiter call 
• 45 minute initial call 
• Take home task
• 2 x 1-hour video calls, including a technical case study

Our average process takes around 3-4 weeks but we will always work around your availability. 

What’s in it for you:

💰 £76,000 to £95,000 + Incentive Awards tied to your performance + Benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas

📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefits here

#LI-LG1  #LI-Remote

📍Cardiff, London or Remote (UK)  | 💰 £76,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

About our Financial Health Team:

We are scaling up our Data and Credit team to support the rapid growth and evolution of our portfolio. We are looking for a Senior Data Analyst to join our Financial Health squad who are focused on supporting customers in financial difficulty. 

As a Senior Data Analyst, you’ll be working in collaboration with Product, Data Science and Analytical Engineering peers on data-driven insights and initiatives. We’re looking for an experienced Senior Data Analyst with hands-on experience who can bring fresh thinking and new ways to inspire the team and our customers.

What you’ll be working on:

As a Senior Data Analyst you will partner with Product Managers, Engineers, and Data Scientists in an agile product environment. You’ll champion the use of data and bring ideas to life through a rigorous analytical approach. Your work will focus on improving the support we offer to customers in financial difficulty, ensure our operational processes are well controlled and we meet regulatory requirements.

At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and execute quickly. 

Our mission is to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly (both on our existing products, and with the planned launch of new products). We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. 

Your day-to-day:

• Generate insights that can drive the direction of our Financial Health strategy through proactive analysis
• Bring data-driven rigour to our approach to product development and build a strategic understanding of the business while structuring complex projects to bring them to life
• Work and advise on Financial Health’s global expansion strategy
• Develop and maintain Looker dashboards, reports and metrics that assess business and customer outcomes within Financial Health
• Ensure accurate reporting to third parties and regulators
• Build and maintain controls to ensure our business processes are running as intended 
• Lead projects to improve the accuracy, efficiency and accessibility of our data

Locations & flexible working 

Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.

We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.

We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.

Work the way that works for you at Monzo! 💼

Our technology stack:

Our Data team's mission is to Enable Monzo to Make Better Decisions, Faster

At the core of this mission sits our data platform. We're great believers in powerful, real-time analytics and empowerment of the wider business. Our engineers collect analytics events from their microservices, and upload these into our Data stack for analysis. We optimise for simplicity and re-usability – all our data lives in one place and is made available via our data warehouse in Google BigQuery.

We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):

• Google Cloud Platform for all of our analytics infrastructure
• dbt and BigQuery SQL for our data modelling and warehousing
• Python for data science
• Go to write our application code
• AWS for most of our backend infrastructure

You should apply if:

• What we’re doing here at Monzo excites you!
• You are passionate about using data to improve and inform business decisions
• You’re motivated by solving challenging problems, and communicating and collaborating closely with subject matter experts on those solutions
• You’re excited by the opportunity to work autonomously to impact the future of a fast growing, ever evolving business
• You’re as comfortable getting hands-on as taking a step back and thinking strategically
• You are experienced with using a variety of Data Analysis tools. You know when to pick the right tool, and can help others do the same
• You have a solid grounding in SQL 
• Experience in Financial Health is a plus, but not required.

We're on the look out for L40 Senior Data Analysts at the moment, you can read more in our Data Progression Framework

The Interview Process:

Our interview process involves 4 main stages. We promise not to ask you any brain teasers or trick questions!

• 30 minute recruiter call 
• 45 minute initial call 
• Take home task
• 2 x 1-hour video calls, including a technical case study

Our average process takes around 3-4 weeks but we will always work around your availability. 

What’s in it for you:

💰 £76,000 to £95,000 + Incentive Awards tied to your performance + Benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas

📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefits here

#LI-LG1  #LI-Remote

📍London, Cardiff or Remote in the UK | 💰 £97,800 -125,000 + Benefits | Hear from the team ✨ 

⭐Our Borrowing Analytics Engineering Team:

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them to achieve something in their lives - whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely. 

We're looking for a Lead Analytics Engineer within our borrowing team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms, identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new global markets, build new products and shape the future of how we serve our customers. 

We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business. 

🔑You’ll play a key role by...

• Serving as a data architect for Monzo’s Borrowing data, contributing to the design and scalability of data models that measure the performance of our product suite.
• Develop robust data models downstream of backend services, primarily in BigQuery, to support internal reporting, machine learning, large language models, as well as financial and regulatory use cases.
• Be a key voice in shaping and maintaining best practices for our Data Warehouse, including source data payload design, logical data modelling, implementation, metadata, and testing standards.
• Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
• Contribute to prioritising data governance issues, ensuring a comprehensive approach to data integrity and compliance.
• Being a key technical leader who’s able to champion central platform initiatives that aim to elevate the data standards across Borrowing  and beyond. 

🤩We’d love to hear from you :

• You have a strong passion for data modelling, ETL projects, and Big Data.
• You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
• SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
• You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
• You have experience building robust and reliable data sets that require a high level of control.
• You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
• You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
• You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
• You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
• You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
• You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Borrowing and Analytics Engineering.
• Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

The interview process:

Our interview process involves 4 main stages: 

• Recruiter call
• Initial call  
• Technical task 
• 3 x 1 hours sessions (final interview)

Our average process takes around 3-4 weeks but we will always work around your availability. 

What’s in it for you:

💰 £97,800-£125,000 base + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚 Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

#LI-AS #LI-Remote

📍London, Cardiff or Remote in the UK | 💰 £97,800 -125,000 + Benefits | Hear from the team ✨ 

⭐Our Borrowing Analytics Engineering Team:

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them to achieve something in their lives - whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely. 

We're looking for a Lead Analytics Engineer within our borrowing team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms, identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new global markets, build new products and shape the future of how we serve our customers. 

We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business. 

🔑You’ll play a key role by...

• Serving as a data architect for Monzo’s Borrowing data, contributing to the design and scalability of data models that measure the performance of our product suite.
• Develop robust data models downstream of backend services, primarily in BigQuery, to support internal reporting, machine learning, large language models, as well as financial and regulatory use cases.
• Be a key voice in shaping and maintaining best practices for our Data Warehouse, including source data payload design, logical data modelling, implementation, metadata, and testing standards.
• Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
• Contribute to prioritising data governance issues, ensuring a comprehensive approach to data integrity and compliance.
• Being a key technical leader who’s able to champion central platform initiatives that aim to elevate the data standards across Borrowing  and beyond. 

🤩We’d love to hear from you :

• You have a strong passion for data modelling, ETL projects, and Big Data.
• You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
• SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
• You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
• You have experience building robust and reliable data sets that require a high level of control.
• You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
• You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
• You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
• You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
• You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
• You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Borrowing and Analytics Engineering.
• Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

The interview process:

Our interview process involves 4 main stages: 

• Recruiter call
• Initial call  
• Technical task 
• 3 x 1 hours sessions (final interview)

Our average process takes around 3-4 weeks but we will always work around your availability. 

What’s in it for you:

💰 £97,800-£125,000 base + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚 Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

#LI-AS #LI-Remote

📍 Barcelona, Spain | 💰€93,500 - €126,500 + Benefits | Hear from the team ✨

⭐Our Borrowing team

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them to achieve something in their lives - whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely. 

Data is crucial to the success of this mission and Borrowing Analytics Engineers are at the core of how we build, scale and re-architect our Borrowing Data Warehouse to enable Monzo to make better decisions, faster, and help serve Monzo’s customers better. 

⭐ Our Analytics Engineering team

Our Analytics Engineering discipline works in the intersection between data, engineering and our collectives - Money, Borrowing, Operations and Financial Crime and beyond. 

The AE teams are responsible for building downstream data models from backend services with the desire to make our Data Warehouse a genuine competitive advantage for Monzo. We want a discipline capable of building a reliable and scalable Data Warehouse to support decision making in a cost effective and performant manner. 

Managers within Data have two primary responsibilities; people and technical products. Your focus will be on helping engineers with their personal and professional development, listening and guiding them through hard times and celebrating their successes. You will also be leading and participating directly in technical initiatives and helping Monzo shape its Data organisation, ensuring the team focuses on valuable work, shipping things with a level of care and attention to detail.

There will be a strong focus on delivering best practice across all of our data discipline and helping bring a new level of maturity around Data Governance principles, working in collaboration with others to deliver this.

🔑 You’ll play a key role by...

Working in a multi-disciplinary team, you will:

• Be a hands on leader in building a discipline of exceptional analytics working to make Data at Monzo the gold standard within the industry.
• Nurture between 6  and 7 engineers, supporting, coaching and developing high performing engineers through regular 1:1s, continuous feedback and relationships with others.
• Aid prioritisation of initiatives and projects, working closely with other leads for each of our Monzo collectives.
• Be hands on through participating in the review cycle, architecture and design leadership and development of your own changes to the pipelines
• Be part of the hiring team within Analytics Engineering
• Work closely with other leads to deliver a scalable, consistent approach to governance and best practices.
• Drive effective project management of central Analytics Engineering projects, ensuring they’re well scoped and delivered to deadlines.
• Establish yourself as a trusted partner to various collectives and the leadership team, with the capacity for getting things done, be it either hands-on or by leading others.
• We all own and support the pipelines we contribute to, and on call support out of hours will be expected from time to time as part of this role

🤩 We’d love to hear from you if…

You have experience managing or mentoring the performance and development of high-performing engineers.

• You have strong experience in data warehousing architecture at scale
• You have experience and a passion for leading data warehousing, data visualisation, big data or ETL projects as an analyst, developer, designer or architect.
• You know what it takes to hire great engineers within the data space.
• You’re equally comfortable working hands on and leading a team.

Nice To Haves:

• Any experience working within a finance or banking environment
• Experience working in a highly regulated environment (e.g. finance, insurance, gaming, food, health care).
• Experience with any of our stack of dbt, BigQuery and Looker

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything thats listed just yet. Drop us your application, we’d love to hear from you!

🙌 What’s in it for you

💰Base salary range for this role is dependent on experience + benefits 

📍Barcelona, Spain

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

📚 £1,000 learning budget each year to use on books, training courses and conferences.

🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 3 key steps

Recruiter Screening Call

Initial Call

Final Loop (3 sessions - case study, collaboration and people leadership)

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

For more insight into the AE team at Monzo, check out our podcast with John Azzopardi one of our Senior Leaders in AE 

#LI-AS #LI-Remote