Careers at 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/Cardiff/UK Remote | 💰 £138,000 to £176,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨ About the role Borrowing is one of Monzo’s most important growth engines. We’ve built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe. We’re looking for a senior ML leader to help shape that next phase. You’ll lead a high-calibre team of ML scientists and help define Borrowing’s ML roadmap across UK growth, new customer segments, and EU expansion. You’ll work across underwriting, pricing, limits, and lifecycle decisioning — improving today’s models while helping build the next generation of capability for Monzo. This role combines near-term commercial impact with long-term strategic advantage : improving performance across our range of products unlocking new data and faster model development helping Monzo build underwriting that scales into new markets shaping how advanced ML and AI can create real value in Borrowing You’ll partner closely with leaders across Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, and influence decisions that shape both business performance and the long-term architecture of credit decisioning at Monzo. What you’ll own Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion Faster model improvement through new data and feature engineering How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning More portable underwriting capabilities across products, customer segments, and markets Hiring, leading, and developing a high-performing ML team Raising the bar on model quality, governance, tooling, and speed of iteration What you’ll be working on Examples of the challenges you could help lead: Improving underwriting models across Loans, Flex, and Overdrafts Expand the data we use in our models Building better feature engineering and model shipping capability Improving transaction intelligence for credit use cases Developing underwriting capabilities for new customer segments and EU markets Shaping Monzo’s approach to advanced ML and AI Our technology stack We rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them: Google Cloud Platform BigQuery SQL and dbt Python and the PyData stack Google AI Platform AWS Python for ML services Go for backend services AI tooling for productivity Google Workspace including Gemini ChatGPT Enterprise Claude Code You should apply if You want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechs You enjoy combining strategic leadership with strong technical judgment You’re excited by the intersection of underwriting, data, product, and platform capability You like building teams as much as building models You care about real customer and business impact You must have Credit and machine learning Strong knowledge of machine learning, statistics, and decisioning systems Deep experience in credit risk and lending Experience building, deploying, and iterating credit models in production Experience pushing the innovation frontiers of the credit industry Leadership and delivery Experience leading and developing senior ML scientists Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation Track record of turning strategy into practical delivery in a regulated environment It would be great if you also have Experience across more than one market Experience with advanced ML methods and AI on structured financial data The interview process 30 min Recruiter Call 45 min Initial Call 60 min ML technical interview 60 min People Leadership interview 60 min Product / Credit ML interview All interviews will be conducted through Google Meet. What’s in it for you 💰 £138,000 to £176,000 ➕ plus stock options & benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London. 🏡 We’ll set you up to work from home, including support for remote setups. ⏰ We offer flexible working hours and trust you to work in a way that lets you do your best work. 📚 Learning budget for books, training courses and conferences ➕ And much more — see our full list of benefits here #LI-DC2 #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 ❤️ 📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits Hybrid model: 3 days a week in the office About our Engineering Teams: We have over 650 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. 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. 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: Initial Call Take home task or pair coding exercise 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: 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits 📍Barcelona, Spain ⏰ 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 €1,200 a year for books, training courses and conferences #LI-JS1 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 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. 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: Recruiter Call Initial Call System Design Interview Take home task or pair coding exercise 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 / 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 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. 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: Recruiter Call Initial Call System Design Interview Take home task or pair coding exercise 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 ❤️ 📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits Hybrid model: 3 days a week in the office About our Engineering Teams: We have over 650 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. 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. 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 L40 Engineers at the moment, you can read more in our Engineering Progression Framework you will be interviewed across the whole framework, so if you're not sure what level you're aiming for chat to your recruiter! 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: Initial Call Take home task or pair coding exercise 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: 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits 📍Barcelona, Spain ⏰ 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 €1,200 a year for books, training courses and conferences #LI-JS1 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 + Incentive Awards tied to your performance 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 + Incentive Awards tied to your performance and 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 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 + Incentive Awards tied to your performance 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 + Incentive Awards tied to your performance and 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 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 ❤️ 📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + benefits | Hybrid model: 3 days a week in the office About our Engineering Teams: We have over 650 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! 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 product squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are; Money, Borrowing, Fincrime, Customer Operations, Platform, Personal Banking & Business Banking. 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. 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: Initial Call Take home task or pair coding exercise Final interview including a system design and a behavioural interview 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: 💰Base salary range for this role is depending on experience + equity + stock options & benefits 📍Barcelona, Spain ⏰ 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 €1,200 a year for books, training courses and conferences #LI-JS1 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). 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: Initial Call Take home task or pair coding exercise 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 ❤️ 📍 Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits Hybrid model: 3 days a week in the office ⭐ Our Mobile Engineering team Our mobile engineers have a variety of different backgrounds There are ~60 Android engineers at Monzo and we’re looking for more to join the team. We have several non-graduates; only some of us studied Computer Science; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we’d love to talk to you. Monzo works in small, interdisciplinary 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. 🔑 You’ll play a key role by... We’re searching for product-focused Android engineers to evolve our native mobile app. You’ll take pride in building polished user experiences, and you’ll balance the need for well-tested resilient code with moving fast and iterating. You’ll be working on a product that is a part of day to day life for more than 11 million people already, and your work here will shape the way that people interact with their finances. As an Android Engineer at Monzo you'll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Data Scientists. You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both what we build, and how we build it. Mobile engineers at Monzo work on everything from the personal banking product to customer support tools. We also have a small mobile platform squad dedicated to enabling other engineers to move faster. Every week we meet as an Android discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes. You'll report to an engineering manager who will meet with you every 1-2 weeks 1:1. They’re dedicated to helping you grow and develop as an engineer. Our Android app Our app is 100% Kotlin, built using MVVM (Model View ViewModel) and Coordinators, and modularised by product feature. We use RxJava, Retrofit and Moshi for API calls and Dagger for dependency injection. We’re starting to use Coroutines for most new features. Room is our choice for persistence, and we use repositories for interacting with data. We’ve built out our design system with Compose. We use GitHub Pull Requests to do code reviews, and write unit tests for our ViewModels, Coordinators, and any other classes which contain logic. We write tests for all of our Compose screens and snapshot test them with Happo. We also use Espresso to test flows, which are executed via our continuous integration system. We’ve previously written about building Monzo Chat on Android, which goes into detail on some of these elements. 🤩 We’d love to hear from you if… You care about the impact your work has on our customers, and optimise for outcomes rather than the number of lines of code you output You’re excited about and have experience in programming in Kotlin You’ve shipped and iterated on at least one app in the Play Store You have a product mindset: you care about customer outcomes and you want to make data-informed decisions You love turning excellent design into beautiful products You’re comfortable working in a team that deals with ambiguity You have an understanding computer science principles We're on the look out for L30 Engineers at the moment, you can read more in our Engineering Progression Framework you will be interviewed across the whole framework, so if you're not sure what level you're aiming for chat to your recruiter! 🙌 What’s in it for you: 💰Base salary range for this role is depending on experience + equity + stock options & benefits ⏰ 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 €1,200 a year for books, training courses and conferences 🌈 The application journey has 3 key steps Our interview process involves three main stages: Initial Call Take home task or pair coding exercise Final interview including a system design and a behavioural interview 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. There’s a detailed blog on the interview process , for extra details, hints and tips. We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated. LI-JS1 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 😊