
Monzo · Cardiff
🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a ...
🚀 We’re on a mission to make money work for everyone.
We’re waving goodbye to the complicated and confusing ways of traditional banking.
After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and
business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK,
with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.
With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning
customer service, we have a long history of creating magical moments for our customers!
We’re not about selling products - we want to solve problems and change lives through Monzo ❤️
📍London / UK Remote | 💰Senior Engineer £95,000 - £130,000 + Incentive Awards tied to your performance Benefits | Technology -
Engineering |
The Platform Collective builds and maintains the infrastructure, tools and processes that sets the rest of Monzo technology teams
up for success. We work on a wide range of shared infrastructure, services and engineer tooling.
The Infrastructure Platform team sit within the Platform Collective and are responsible for running the Kubernetes clusters,
service mesh and networking that all of Monzo's microservices run on. Our team is made up of backend engineers and cloud
infrastructure experts, using our experience and software engineering skills to solve problems and manage our cloud
infrastructure.
Our Infrastructure Platform team Has Two Focus Areas
and Envoy across AWS and GCP.
solve real customer problems
We’re investing heavily in this team to support Monzo’s ambitions to grow from 10 to 20 million customers, expand the range of
products to improve our customers’ financial lives and set up the foundations for scaling Monzo across the globe.
How we work 💻
Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles.
We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best
work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you
with the costs. ✨
Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly
Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or
online.
As a Platform Engineer at Monzo, you will work across the full breadth of our core infrastructure and application platform. This
role involves a balanced split of responsibilities between two critical areas:
1. Platform & Infrastructure Engineering: Enhancing and maintaining our foundational tools and systems.
2. Software & Backend Engineering: Building and maintaining the services that abstract and orchestrate our infrastructure.
other engineers.
We rely heavily on the following tools and technologies, please note direct experience in these technologies is not required and
parts of the platform
maturity across both of these platforms
🤩We’d love to hear from you if…
To succeed in this role, you will need a strong background in both modern platform tooling and practical software development.
testing, and deploying robust backend services using strongly typed languages.
Infrastructure as Code (e.g., Terraform).
modern distributed applications fail and scale.
performance, and developer experience.
We're on the look out for L40 & L50 Platform Engineers at the moment, you can read more in our Engineering Progression Framework
1. Initial Call
2. Take home task or pair coding exercise
3. Final interview: including a system design and a behavioural interview
Our average process takes around 4 weeks but we will always work around your availability.
One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips
please see here.
💰 £95,000 - £130,000 base salary➕ Incentive Awards tied to your performance
✈️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-Remote
Equal opportunities for everyone
Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at
Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives
with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and
Inclusion Report and 2025 Gender Pay Gap Report.
We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity,
religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or
disability status.
If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊
🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ---------------------------------------------------------------------------------------------------------------------------------- Staff Analytics Engineer - Borrowing 📍London/Cardiff/UK Remote | 💰 £121,600-164,600 + stock and benefits | Hear from the team ✨ ⭐ Our Borrowing Analytics Engineering Team Our mission in Borrowing is to help people achieve their financial goals through better borrowing. Our customers borrow money 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. We’re shaping this mission by building products our customers love, while safely scaling some of Monzo’s biggest revenue lines. Borrowing is one of Monzo’s most complex and fastest-growing domains. We operate 12+ products across multiple geographies, underpinned by 1,700+ data models and an analytics engineering team that’s scaling to match. We’re in the middle of a major data architecture transformation, expanding into new markets, and building the next generation of data infrastructure to support it all. We’re looking for a Staff Analytics Engineer to help shape how Borrowing builds and uses data at scale. Reporting to the Borrowing Data Director, you’ll work across product, credit, engineering, Data Platform, and analytics engineering teams to turn complex technical problems into clearer systems, stronger data products, and better business decisions. 🔑 You’ll play a key role by… * Architecting Borrowing’s data layer at scale. Partnering across Analytics Engineering, Product, Engineering, Credit, and Data Platform to shape how 1,700+ models across 12+ products are structured, connected, and evolved. You’ll set shared patterns that help teams build trusted, consistent, and scalable data products across Borrowing. * Designing and governing data products. Moving us beyond ad-hoc tables toward well-defined, contractual data assets with clear ownership, SLAs, documentation, and interfaces. You’ll work with teams across Borrowing and Data Platform to define what makes a Borrowing dataset “production-grade” and consumable by analytics, ML, decisioning, and regulatory teams. * Building feature stores and reusable analytical assets. Identifying cross-product signals (credit behaviour, repayment patterns, affordability, risk indicators) that should be modelled once, tested rigorously, and consumed by many. You’ll design the layer that turns raw product data into curated, versioned features that power models, dashboards, and decisions. * Scaling our analytics engineering infrastructure. Shaping the tooling, patterns, and developer experience that make an 80+ person credit and data organisation more productive. This means influencing our data architecture and ways of working across data and credit disciplines, while partnering with the central Data Platform team to ensure Borrowing’s needs are reflected in ingestion, streaming, and schema contract design. * Driving cross-product data consistency. As we expand across geographies and product lines, ensuring our data models are coherent and comparable. You’ll work with AE leads and domain experts to define shared conventions and abstractions that allow us to reason about Borrowing as a whole, not just product-by-product. * Being a senior technical partner for Borrowing’s data estate. Partnering with backend engineers on source data payload design, with product managers on measurement strategy, with credit teams on decisioning data, and with senior leadership on what’s possible and what’s next. * Leading through influence and leverage. You won’t manage people directly, but you’ll shape how an entire domain builds data. You’ll multiply the impact of AEs across Borrowing by setting the right patterns, unblocking architectural decisions, and raising the bar on what good looks like. 🤩 We’d love to hear from you if… * You think in systems, not just queries. You’ve designed data architectures that span multiple products or domains, and you know how to keep them coherent as they scale. You can take ambiguous problems and turn them into a clear technical direction, delivery sequence, and set of trade-offs. * You’ve built data products, not just data models. You understand the difference between a table that exists and a data asset that’s governed, documented, versioned, discoverable, and trusted. You’ve defined SLAs, contracts, interfaces, or ownership models for data consumers, and you’re excited to do this at scale. * You have deep fluency with analytics engineering systems and infrastructure. dbt at scale, BigQuery or equivalent, CI/CD for data, testing frameworks, and orchestration. You don’t just use these tools, you shape how teams use them. You’ve hit the scaling limits and know what to do about them. * You can design reusable feature layers. You’ve designed, contributed to, or have a clear vision for reusable feature layers that serve multiple consumers, including ML pipelines, dashboards, decisioning engines, and regulatory reporting. You understand the trade-offs between freshness, cost, granularity, correctness, and ease of use. * You’re comfortable at the platform boundary. You can have a productive conversation with a Data Platform engineer about ingestion patterns, streaming vs. batch trade-offs, schema evolution, and infrastructure costs. You don’t need to build the platform, but you need to shape what it delivers. * You connect technical choices to business outcomes. You care about whether data models, feature layers, and platform patterns actually improve decisions. You understand how product, credit, engineering, and operational teams use data, and you use that context to align people around better technical choices. * You lead through others. You create leverage not by writing more SQL, but by setting patterns, reviewing designs, unblocking teams, and raising the standard. You’re energised by making 30+ people more effective, not by being the single expert. * You communicate across altitudes. You can whiteboard a data architecture with a back-end engineer in the morning and present a strategic data roadmap to a director in the afternoon. You adapt your message to your audience without losing precision. * You care about credit products. You’re excited, or curious, about the complexity of lending, including risk, affordability, regulatory constraints, and multi-product dynamics. You see it as a fascinating data domain, not just a business vertical. Interview process Our typical process is structured as: * Recruiter call * Initial call * 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: 💰 £121,600-164,600 base ✈️ 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 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊
🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ---------------------------------------------------------------------------------------------------------------------------------- 📍London or UK Remote | 💰 Senior Engineer (L50) £105,000 - £135,000 + Incentive Awards tied to your performance + Benefits | Technology - Engineering About our Engineering Teams: We have around 400 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company. These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities. We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do! Your day-to-day This role is all about collaborating with your team to make a difference to your customers. As a backend engineer you’ll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more! Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are: Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion. All of our collectives are doing innovative work, many of which have machine learning and AI at the forefront- from fighting financial crime to building smarter financial tools - and you may have the opportunity to join a collective that gives you direct exposure to this exciting space. They’re all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need! Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles. How we work 💻 Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs ✨ Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️ Teams also schedule time together often for work and play – in or around the office, or online. Set up a work schedule that delivers impact and fits your life: At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency 🕣✨ If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance. Work the way that works for you with Monzo! 💼 You should apply if: * you have strong experience working on the backend of a technology product * you want to be involved in building a product that you (and the people you know) use every day * you have a product mindset: you care about customer outcomes and you want to make data-informed decisions * you’re comfortable working in a team that deals with ambiguity * you’re interested in distributed systems and writing resilient software * you have some experience with strongly-typed languages (Go, Java, C, Scala etc.). * you think you’d enjoy the kind of work we’re doing We're on the look out for L50 Engineers at the moment, you can read more in our Engineering Progression Framework - we will interview you across the whole frame work, so if you are not sure what level you are aiming for please chat to your recruiters! 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 you’ll be working on: We hire very technically agnostic so whilst we use the below technologies we do not expect prior knowledge, you will be fully supported in our organised onboarding to get up to speed in the below: * Go to write our application code (there’s an excellent interactive Go tutorial here) * Cassandra for most persistent data storage * Kafka for our asynchronous message queue * Kubernetes and Docker to schedule and run our services * Envoy Proxy for RPC * AWS for most of our production infrastructure and GCP for most of our data infrastructure * React for our public web apps and internal tools * We also have physical datacenters with actual cables to connect to various third parties The Interview Process: Our interview process involves three main stages: 1. Initial Call 2. Take home task or pair coding exercise 3. Final interview: including a system design and a behavioural interview Our average process takes around 4 weeks but we will always work around your availability. One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here. What’s in it for you: 💰 £105,000 - £135,000 + Incentive Awards tied to your performance ✈️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 We're usually always hiring for Backend Engineers, so there's no closing date for this job. #LI-Remote #LI-HJ1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊
ROLE OVERVIEW The Senior Documentation Engineer is the documentation authority for a value stream (department). You manage the documentation system, information architecture, AI workflows, quality standards, and strategic direction for your domain. Your documentation is vital for implementation teams and partners that integrate the Backbase software in the bank's software ecosystem. You actively seek out users' feedback and use it to improve the documentation and the documentation system. KEY RESPONSIBILITIES * Documentation system: Manages the AI-powered documentation system that is based on docs-as-code and Git. Continuously improves the tools and processes and kills bottlenecks. * Documentation skills: Produces developer documentation and functional documentation with a clear separation in content types. Enforces writing style guidelines, terminology, templates, grammar, and spelling. Is hyperfocused on quality, seamless content flow, and avoiding bloat. Owns the information hierarchy of assigned documentation sets. Acts as a documentation authority within the value stream and advises teams on their documentation needs. * Technical and domain knowledge: Understands the readers' SDLC and how documentation plays a vital role in their work. Has a basic understanding of software development. Has a deep understanding of the products delivered by their value stream and can connect it to the wider Backbase platform. Quickly learns new functional domains and is able to interview R&D product managers to understand the product. Can converse easily with R&D developers to assess technical documentation needs or check technical details. Translates this technical and domain knowledge into effective instructions for AI-powered tools. * Legal and support terms: Understands the support terms and the legal impact of the documentation. * User advocate: Knows the target audience and their documentation needs and pain points. Translates this knowledge into strategic advice to the value stream leadership. QUALIFICATIONS & EXPERIENCE * Experience: 4-10 years as a documentation specialist, technical writer, or equivalent, in the field of developer documentation. * Education: Either a Bachelor/Master's degree in software engineering/related field (combined with professional-level language proficiency) or university-level analytical skills (combined with professional-level language proficiency and a strong aptitude for technology) GENERAL COMPETENCIES PERSONAL * Accountability: Tracks work items vigorously, routinely spots gaps and bugs and creates appropriate work items. Keeps their promises. Manages their calendar, inbox, messages, meetings, and office attendance as a professional. * Prioritization: Focuses on delivering customer value, responds quickly to user requests, divides time across release-related work, bug reports, and improvements. * Growth mindset: Seeks out learning opportunities, asks for feedback, asks questions, and helps others to learn and grow. Challenges decisions when they have a concern. Actively participates in group meetings and makes their voice heard during discussions. Suggests and leads improvement projects. PEOPLE * Stakeholder management: Communicates pro-actively, keeping managers and stakeholders actively updated. Raises issues with the appropriate team or leader. Follows-up with people. Suggests changes to value stream leaders and discusses their requests and suggestions as an equal. * Teams: Builds confidence and trust with their teams through reliability, predictability, and transparency of process and output. Models best behavior to fellow team members and holds them accountable for quality. * Collaboration: Establishes a fruitful collaboration with teams and fellow documentation engineers. Balances helping others and saying no. Practices active listening and clear communication. Focuses on problem solving. May coach and supervise less experienced team members. PROJECT MANAGEMENT * Process: Follows established processes and communicates these with their teams. Drives improvements to processes. * Projects: Oversees a large or complex documentation project with various stakeholders from beginning to end.