
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 ❤️
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…
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.
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.
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.
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.
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.
with product managers on measurement strategy, with credit teams on decisioning data, and with senior leadership on what’s
possible and what’s next.
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…
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.
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.
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.
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.
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.
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.
teams, and raising the standard. You’re energised by making 30+ people more effective, not by being the single expert.
strategic data roadmap to a director in the afternoon. You adapt your message to your audience without losing precision.
regulatory constraints, and multi-product dynamics. You see it as a fascinating data domain, not just a business vertical.
Interview process
Our average process takes around 3-4 weeks but we will always work around your availability.
💰 £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 / UK Remote | 💰 Staff Backend Engineer (L60) £130,000 - £170,000 + Equity + Benefits | Technology - Engineering About our Engineering Teams: We have around 650 engineers out of roughly 5,500 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication. We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do! What you’ll be working on: We rely heavily on the following tools and technologies: * 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 * Envoy Proxy for RPC * Kubernetes and Docker to schedule and run our services * AWS for most of our infrastructure * React for internal web dashboards * We also have two physical datacenter sites with actual cables to connect to various third parties Your day-to-day This role is all about collaborating across disciplines to test hypotheses and make a difference to customers. As a product backend engineer you’ll work in a squad alongside 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. 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 💻 Locations & Flexible Working: 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 L60 Engineers at the moment, you can read more in our Engineering Progression Framework we are also hiring on L40 & L50, our interview process will determine your levelling. 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 2-3 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: 💰 £130,000 - £170,000 + Equity ✈️We can help you relocate to the UK ✅ We can sponsor visas. 📍This role can be based in our London office or remotely across 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 😊
🚀 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 | 💰 £155,000 - £200,000 + Equity | Benefits | Technology Senior Staff Engineer: L70 on our Engineering Progression Framework About our Engineering Teams: We have around 600 engineers out of roughly 5,000 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication. We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do. Senior Staff Engineer Responsibilities: A Senior Staff Engineer at Monzo is a hands on engineering leadership (IC) position. As a Senior Staff Engineer you’ll: * Partner with Engineering Directors to shape the technical and product direction of a collective, providing leadership across multiple squads (30–70+ engineers) and ensuring alignment with company-wide priorities. * Be hands on in both coding and architecture, leading from the front. * Partner closely with Product and Design leadership to define strategy, shape roadmaps, and make high-quality trade-offs that maximise business and customer impact across the collective. * Mobilise teams across your collective around high-impact problems, creating clarity, alignment and momentum, injecting urgency when needed, or slowing things down to ensure safety and long-term sustainability. * Lead and influence architectural direction for the most complex systems, ensuring cohesive, scalable designs across multiple teams and aligning local decisions with the broader system strategy. * Set and uphold a high bar for technical excellence across the collective, driving improvements in quality, reliability and scalability, and fostering a culture where engineers hold each other to that standard. * Proactively mentor, sponsor and develop senior engineers and future leaders, multiplying your impact by enabling others to operate at a higher level. What you’ll be using/ What you’ll be working on: We rely heavily on the following tools and technologies: * 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 * AWS for most of our production infrastructure and GCP for most of our data infrastructure. * React for internal Web dashboards * Feast for storing our features along a variety of tools to train and deploy models. 🤩We’d love to hear from you if… * You have a track record of leading complex, high-impact systems and driving technical direction across multiple teams * You combine strong technical judgment with product and business awareness, making pragmatic trade-offs * You’ve worked on scalable backend, distributed or data-intensive systems * You’re comfortable operating in ambiguous problem spaces, helping teams define direction and execute * You influence and align senior stakeholders across engineering, product and beyond * You care about outcomes and impact, using data to guide decisions * You enjoy mentoring and raising the bar for other engineers How we work 💻 Locations & Flexible Working: 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! 💼 🙌What’s in it for you 💰 Base salary £155,000 - £200,000 + Equity ✈️ We’ll help you relocate to the UK. ✅ We can sponsor your visa. 📍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, 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 4 key steps Our interview process involves four main stages after an informal recruiter call: 1. Recruiter Call 2. Initial Call 3. System Design Interview 4. Take home task or pair coding exercise 5. Final interview including a behavioural and a leadership interview This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! One of our staff engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here. #LI-Remote #LI-ZM ---------------------------------------------------------------------------------------------------------------------------------- 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 Remote (UK) | 💰 Base salary £170k - £225k + Equity + Benefits Monzo is on a mission to build technology that connects the world. We are more than a platform; we are a global infrastructure that millions of people rely on for their daily lives, finances, and communication. This puts us in an incredibly unique position. We are the custodians of immense amounts of sensitive financial data as well as people’s money that are highly attractive to sophisticated adversaries and state-level actors. Monzo has always adopted a Secure by Design model. We believe that security is not a function, but is instead a fundamental property of high-quality engineering. We have a world-class team of software and security engineers who ensure our platform is inherently secure and resilient, and we achieve that by making our security principles an invisible part of the developer experience. The Role The Engineering Director, Security will be a senior leader within our global Security organisation, partnering directly with the CISO and other senior engineering leaders. You will lead an organisation of 30–50 engineers and leaders to define and deliver a strategy that protects our global footprint. We’re looking for a deeply technical software engineering leader who has built and led high performing infrastructure, platform, or distributed systems engineering organisations and can apply those skills to one of Monzo’s most important engineering challenges: making security an embedded, invisible property of how we build software. You do not need to come from a traditional security background. We care more about exceptional engineering leadership, organisational design, platform thinking, and strong technical judgement than deep specialisation in security. What you'll do * Drive the secure-by-design mandate, leading the transition from reactive security to proactive architectural invariants. Your goal is to ensure that our core platform primitives - compute, storage, networking and identity - are built with inherent security properties that cannot be bypassed. * Eliminate systemic risk by identifying fundamental, cross-cutting security problems and driving major software engineering improvements to solve them at the root. * Partner with product and software engineering teams to embed a healthy security culture into Monzo’s product development process. * Cultivate an engineering-first culture, fostering a culture where security engineers are, first and foremost, software engineers. You’ll ensure your teams are delivering high-leverage tools and frameworks that enable the data and software engineering disciplines to move at the speed-of-thought, without compromising security. * Manage a high-performing group of software engineering leaders and senior individual contributors, nurturing a diverse organisation that thrives on solving the world’s most complex security challenges. * Collaborate with software engineering managers and engineering leaders to contribute to company-wide security best practices and standards. * Form a close alliance with the CISO, CTO, and Product leaders to advise on the long-term health of the business, ensuring our security roadmap is aligned with our global mission. Responsible for the engineering effectiveness and operational excellence of your teams, setting a high bar for performance, rigour, and inclusive leadership. What we are looking for We are looking for a leader who has been in the weeds of technical detail and has moved into high-scale leadership without losing their technical edge. This is not a traditional Head of Security or CISO-style role, and we are intentionally looking beyond career security specialists. Strong candidates may come from software engineering, distributed systems, developer platforms, infrastructure engineering, or large-scale backend product engineering backgrounds. You do not need to have spent your career in security. What matters most is exceptional engineering leadership, strong technical judgement, and experience building highly reliable, secure-by-default software systems at scale. Whilst this role doesn’t require deep specialist security expertise, we’re looking for: * Architectural authority: You possess the technical depth to understand and challenge complex engineering decisions. You can lead a room of Principal Engineers through a deep-dive into distributed systems, or cryptographic trust boundaries. * Proven leadership: You have a track record of leading engineering organisations of 30–50 people in a high-growth, top-tier tech environment. You know how to structure teams for maximum impact and autonomy. * Software engineering experience: You likely spent the first half of your career as a Senior or Staff Engineer. You have a deep understanding of how systems are built. * Outcome-obsessed: You prioritise high-leverage work over process for process’s sake. You understand that good security looks like a platform that is secure by default, not a long list of compliance tickets. * Empathy & inclusion: You have a high degree of emotional intelligence and a relentless drive to create an inclusive, blameless team environment where everyone can do their best work. * Decisiveness in ambiguity: You are comfortable operating with a high degree of autonomy, making high-stakes decisions in fast-moving, often time-sensitive scenarios. How we work 💻: Locations & Flexible Working : 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. 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. 🕒✨ Work the way that works for you with Monzo! 💼 The interview process: Our interview process involves 3 main stages: 1. Recruiter Call (30 mins) You'll meet our Engineering Leadership Recruiter to discuss your experience and learn more about Monzo. They'll be your partner and guide throughout the interview process. 2. Initial Call (1 hour) You'll meet with our VP of Engineering. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’) 3. Loop Stage - This is one stage with 4 interviews (totalling 4 hours) split between a collaboration with one of our engineers on a technical exercise, as well as execution and leadership interviews. At all stages we’ll create space for you to ask as many questions as you have, you’re interviewing us as well! Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com. What’s in it for you: 💰Base salary £170k - £225k + Equity + Benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office, or 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 ---------------------------------------------------------------------------------------------------------------------------------- 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 😊