Staff Backend Engineer

Monzo

🚀 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 😊

Monzo

🚀 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 😊

Monzo

🚀 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 for this role is £112,000 - £145,000 + Incentive Awards tied to your performance + Benefits  Engineering Management at Monzo: Engineering Managers at Monzo are part of cross-functional, autonomous teams and groups. Our teams are mission driven, and typically include Product Managers, backend, web and mobile engineers as well as data scientists, designers and subject matter experts relevant to that mission. Teams are organised into groups, and then collectives - we aim to keep our line management structure as shallow as possible, and for teams to directly own decision making relevant to their work. The Engineering Manager role at Monzo is split into three pillars - people, product, and technical leadership. Engineering Managers are accountable for the technical and delivery outcomes for their area - that means supporting and developing best in class engineering talent, as well as creating an inclusive team environment for people to do their best work. You can read more on the expectations of Engineering Managers on our Progression Framework. The Role We're continuously hiring Engineering Managers as we continue to grow and build new teams. We hire on a pipeline based approach which means your application will be considered across all of our open EM positions. We use the interview process to assess your strengths and we'll match you to a role that best aligns with your experience. Of course, this is a collaborative process so you can also tell us which roles you're most interested in as you progress through interviews 😊 We're currently hiring across Platform, Core App, and Expansion. You’ll spend your time: * Taking accountability for delivery across your squad(s), collaborating with the Technical Lead and Product Manager. * Actively fostering a high bar for engineering excellence within your teams. You’re accountable for the technical outcomes your teams deliver alongside individual engineer performance and growth, so holding a high bar (and clearly articulating your expectations) is key. * You’ll initially lead a group of around 7-10 engineers (depending on the role) and support, coach and develop them through their career with regular 1:1s and continuous feedback. * Partner with senior engineers in your area to drive technical initiatives that raise the bar for our engineering practices. * Lead on communication with stakeholders from other teams, creating focus space for engineers to do their best work. * Collaborate with the wider engineering organisation to contribute to company-wide best managerial and technical practices and standards. You should apply if: While this is not a role which requires hands-on-coding, we are looking for an experienced manager who has a strong technical and delivery background and has worked as a software engineer in previous roles. We recognise that engineering managers lead in different ways, we’re looking for someone who:  * Is comfortable operating with ambiguous problem areas with a high degree of autonomy. * It’s a bonus if you have experience working in an experimentation led environment. * Has delivery experience and is able to guide the squads in achieving their outcomes. * Focuses on outcomes over processes, who optimises for the highest impact and leverage. * Is able to input, understand and challenge engineering decisions - but to empower the team to make those decisions themselves * Has an understanding of what good looks like for a high-performing team of engineers and ability to chart a course to get there * Is able to to coach people to achieve their goals * Has a natural ability to inspire and motivate a team We consider your application across all open EM roles at Monzo independent of which role you've applied for, so if you've recently applied to a similar role at Monzo and have been unsuccessful, please wait 6 months before applying again. 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: After an initial informal 30 min recruiting call, our interview process involves two main stages: 1. Initial Call Interview (1 hour) You'll meet with one of our Senior Engineering Managers or Engineering Directors. 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…’) 2. Loop Stage (3 hours 30 mins) The Loop stage consists of 3 x 60 min interviews that take place over 1-2 days (depending on your availability) and one 30 minute reverse interview (more details below). The Loop is one stage, and the interviews in the Loop are: - Team and Org Management (1 hour) An example based interview with 1-2 of our engineering leaders. They’re interested to hear examples from your previous experience on the teams you’ve led, how you’ve shaped and partnered with product, and the impact you had. - System Design (1 hour) You'll partner with a Staff or Principal Engineer on a technical whiteboarding exercise. - Behavioural (1 hour) Similar to Team and Org Management, this is an example based interview with 1-2 Engineering Leaders. This interview focuses on your people leadership style and core behaviours as an Engineering Manager. - Chat with an Engineering Leader (30 mins) At Monzo, we believe interviews are a two-way street. This will be your opportunity to ask us any questions about Monzo, engineering leadership or our teams – whatever’s on your mind.  All things going well, you'll have completed the hiring process 🚀 Our average process takes around 3-4 weeks but we will always work around your availability. You’ll have the chance to speak to our recruitment team throughout the process.  What’s in it for you: 💰 Base salary for this role is £112,000 - £145,000 + Incentive Awards tied to your performance ✈️ We can help you relocate to the UK   ✅ We can sponsor visas 📍We offer flexible working with no company mandate on how often you need to come into the office. You can be London based or remote within the UK (with ad hoc visits to our London office). ⏰ 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 Engineering Managers, so there's no closing date for this job.  #LI-AL1 #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 😊