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🚀 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 | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team About our Data Science Team: We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 and help us to build a bank that customers truly love. At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 11 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. Enable Monzo to Make Better Decisions, Faster We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data scientists the head space to focus on more impactful business questions and analyses. How we hire We are excited to be expanding and are hiring for multiple roles across our Data Science teams! Whether your interests lie in Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. While we allocate teams after the interview process, we aim to match your skills and aspirations with the most suitable role. Throughout the process, you will meet team members from across our Data Science collectives, who will guide you through the opportunities available. Join us and be part of shaping our future! What you’ll be working on We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc. Your day-to-day Applying your expertise in quantitative analysis, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our products and how those insights can inform our product strategy Guide and enable product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do Drive together with the finance team a unified company-wide understanding of the lifetime value of our users and how different product features are impacting user profitability Liaise with engineers to keep making sure we collect the right data to produce relevant business insights You should apply if: What we’re doing here at Monzo excites you! You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well You're commercially minded and can put numbers into business perspective You’re as comfortable getting hands-on as taking a step back and thinking strategically You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so You're a team player whom your colleagues can rely on You have solid grounding in SQL and preferably Python You have experience in conducting large scale A/B experiments The Interview Process: Our interview process involves three main stages: Recruiter Call Initial Call Technical Interview Final Interview including a case study and collaboration interview Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process. What’s in it for you: 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚 Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits here 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. #LI-NB2 #LI-Remote Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team About our Data Science Team: We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 and help us to build a bank that customers truly love. At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 11 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. Enable Monzo to Make Better Decisions, Faster We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data scientists the head space to focus on more impactful business questions and analyses. How we hire We are excited to be expanding and are hiring for multiple roles across our Data Science teams! Whether your interests lie in Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. While we allocate teams after the interview process, we aim to match your skills and aspirations with the most suitable role. Throughout the process, you will meet team members from across our Data Science collectives, who will guide you through the opportunities available. Join us and be part of shaping our future! What you’ll be working on We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc. Your day-to-day Applying your expertise in quantitative analysis, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our products and how those insights can inform our product strategy Guide and enable product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do Drive together with the finance team a unified company-wide understanding of the lifetime value of our users and how different product features are impacting user profitability Liaise with engineers to keep making sure we collect the right data to produce relevant business insights You should apply if: What we’re doing here at Monzo excites you! You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well You're commercially minded and can put numbers into business perspective You’re as comfortable getting hands-on as taking a step back and thinking strategically You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so You're a team player whom your colleagues can rely on You have solid grounding in SQL and preferably Python You have experience in conducting large scale A/B experiments The Interview Process: Our interview process involves three main stages: Recruiter Call Initial Call Technical Interview Final Interview including a case study and collaboration interview Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process. What’s in it for you: 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚 Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits here 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. #LI-NB2 #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 ❤️ Software Engineering Internship (Summer 2027 ) Closing Date: 1st of November 2026 📍London | 💰 £42,500 pro rata | Technology | L10 on the Engineering Framework Engineering at Monzo We have 500+ 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. Engineering Interns As a software engineer intern at Monzo, you’ll be matched with a team where you’ll spend the summer working on a real project for our customers. We’ll pair you with a mentor who will support you to design and ship a solution to solve a real problem. You’ll have the opportunity to work alongside engineers to learn more about software engineering and the types of challenges engineers at Monzo solve on a day-to-day basis. You’ll spend your internship: Writing, testing and shipping code that supports new features for our customers Reviewing code for your colleagues, to pick up any improvements and learn from your peers Working with product managers, designers and data analysts on your team Learning about new technologies, engineering practices and what a full-time software engineering role looks like Proactively seeking out feedback to improve and accelerate your learning What you’ll be using: 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 our public web apps and internal tools Kotlin for our Android app Swift for our iOS app 🤩 We’d love to hear from you if… You are completing a degree in Computer Science or another technical field with exposure to programming and are graduating in 2028 You enjoy learning about new technologies and have a passion for problem-solving You are available full-time for a minimum of 12 weeks between June and September 2027, we will have two June start dates to choose from You have the right to work in the UK without restrictions for the full 12-week internship and would not require visa sponsorship if offered a permanent position You can work from our London office on a hybrid basis to collaborate with your team and mentor, as well as attend intern events over the summer Please note you must hold the right to work in the UK through the full duration of this internship. 🙌What’s in it for you 💰£42,500 pro rata 📍This role will be based in our London office on a hybrid basis (2 days per week in office) ⏰ We offer flexible full-time working hours and trust you to work enough hours to do your job well, and at times that suit you and your team 💻 Top-spec Macbook to use over the course of your time with us 🧠 Knowledge-sharing sessions with your squad and wider discipline 👯 Team and company wide socials / events 🍝 Lunch on Monzo twice a week from a range of street food vendors 🌈 The application journey has 3 key steps Our application process involves three main stages: Submit your application with the short questions answered If you’re successful, we’ll invite you to complete an exercise to demonstrate your programming and problem-solving skills If all goes well, you’ll have your final interviews with members of our engineering team via Google Meet The closing date for applications is 1st of November 2026, but we encourage you to apply as soon as possible as we will be extending offers on a rolling basis. We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. Check out our blog to hear from our recent Interns. #EP-1 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 ❤️ Closing Date 1st November 2026 📍London | 💰 £42,500 pro rata | Data | L10 on the Data Framework Data at Monzo We have over 300 employees in Data at Monzo. Data is at the heart of Monzo's journey and our work defines the success and direction of the business. That means, similar to the rest of Monzo, Data too should be magically simple. We have a strong culture of data-driven decision making across the whole company and use data in everything we do; from machine learning models to detect and block fraudulent payments to analysing how customers use the app to improve our app design. We're great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. We contribute to an open source environment as much as possible. Our blog is a good place to learn even more about what we do. Data Interns As a Data intern at Monzo, you’ll be matched with a team where you’ll spend the summer working on a real project for our customers. You’ll have the opportunity to work alongside Data teams to learn more about what Data we analyse and how we use it to solve challenges at Monzo on a day-to-day basis. You’ll spend your internship: Learning about commercial products and how decisions using data can unlock more value for our customers Experimenting and utilising new data techniques to solve challenging problems Turning raw data into customer stories through models, analysis and visualisations that shape our product and app design Understanding the nuances of our data and building the key foundational knowledge for our new products and features What you’ll get exposure to: Python for data wrangling, analysis and building predictive solutions. SQL for data modelling and gathering raw data Looker for data visualisation Spreadsheets for data analyses 🤩 We’d love to hear from you if… You are completing a degree in STEM or Computer Science with exposure to programming and are graduating in 2028 You enjoy learning about new technologies and have a passion for problem-solving You are available full-time for a minimum of 12 weeks between June and September 2027, we will have two start dates in June for you to choose. You have the right to work in the UK without restrictions for the full 12-week internship and would not require visa sponsorship if offered a permanent position. You can work from our London office on a hybrid basis to collaborate with your team and mentor, as well as attend intern events over the summer Please note you must hold the right to work in the UK through the full duration of this internship. 🙌What’s in it for you 💰£42,500 pro rata 📍This role will be based in our London office on a hybrid basis (2 days a week in the office) ⏰ We offer flexible full-time working hours and trust you to work enough hours to do your job well, and at times that suit you and your team 💻 Top-spec Macbook to use over the course of your time with us 🧠 Knowledge-sharing sessions with your squad and wider discipline 👯 Team and company wide socials / events 🍝 Lunch on Monzo twice a week from a range of street food vendors 🌈 The application journey has 3 key steps Our application process involves three main stages: Submit your application with the short questions answered If you’re successful, we’ll invite you to complete an exercise to demonstrate your programming and problem-solving skills If all goes well, you’ll have your final interviews with members of our data team via Google Meet The closing date for applications is 1st November 2026, but we encourage you to apply as soon as possible as we will be extending offers on a rolling basis. We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. Check out our blog to hear from our recent Interns. Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London or UK Remote | 💰 Engineer III Compensation: £85,000 - £110,000 + Incentive Awards tied to your performance + Benefits | Technology About our Engineering Teams: We have around 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. How we work 💻 Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs ✨ Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️ Teams also schedule time together often for work and play – in or around the office, or online. Set up a work schedule that delivers impact and fits your life: At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency 🕣✨ If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance. Work the way that works for you with Monzo! 💼 You should apply if: you have strong experience working on the backend of a technology product you want to be involved in building a product that you (and the people you know) use every day you have a product mindset: you care about customer outcomes and you want to make data-informed decisions you’re comfortable working in a team that deals with ambiguity you’re interested in distributed systems and writing resilient software you have some experience with strongly-typed languages (Go, Java, C, Scala etc.). you think you’d enjoy the kind of work we’re doing We're on the look out for 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: 💰 £85,000 - £110,000 base salary + Incentive Awards tied to your performance ✈️ We can help you relocate to the UK ✅ We can sponsor visas. 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits here We're usually always hiring for Backend Engineers, so there's no closing date for this job. #LI-Remote #LI-ZM1 Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London or UK Remote | 💰 Engineer III Compensation: £85,000 - £110,000 + Incentive Awards tied to your performance + Benefits | Technology About our Engineering Teams: We have around 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. How we work 💻 Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs ✨ Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️ Teams also schedule time together often for work and play – in or around the office, or online. Set up a work schedule that delivers impact and fits your life: At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency 🕣✨ If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance. Work the way that works for you with Monzo! 💼 You should apply if: you have strong experience working on the backend of a technology product you want to be involved in building a product that you (and the people you know) use every day you have a product mindset: you care about customer outcomes and you want to make data-informed decisions you’re comfortable working in a team that deals with ambiguity you’re interested in distributed systems and writing resilient software you have some experience with strongly-typed languages (Go, Java, C, Scala etc.). you think you’d enjoy the kind of work we’re doing We're on the look out for 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: 💰 £85,000 - £110,000 base salary + Incentive Awards tied to your performance ✈️ We can help you relocate to the UK ✅ We can sponsor visas. 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits here We're usually always hiring for Backend Engineers, so there's no closing date for this job. #LI-Remote #LI-ZM1 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 😊

🚀 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) | 💰 £79,000 - £93,000 + Incentive Awards tied to your performance + Benefits 🌟 About the team: Our Borrowing (lending) business is growing rapidly across both existing products and with the planned launch of new initiatives. As our lending portfolio grows, our second line of defence Credit Model Validation team is growing with it - and we’re looking for a Credit Model Validation Manager to join us! Our Credit Model Validation team is crucial in providing independent oversight and challenge to our model development teams in the first line of defence to help Monzo grow safely and ensure that the models we use deliver good outcomes for our customers. We’re looking for someone (maybe you?!) to join our validation squad and provide expert independent validation and oversight across our suite of credit models, covering critical business disciplines such as credit strategy and impairment. You’ll have a particular focus on models used for customer-level decisioning and defining our credit strategies - such as underwriting scorecards, origination PD models and Net Present Value (NPV) / unit economics models - across all our lending products. Strong data and analytical skills are a must, as is deep expertise in credit risk modelling. You’ll have hands-on experience in either model validation or model development within a financial services environment, including practical experience using Python to develop, validate or analyse machine learning and statistical models. . In-depth knowledge of credit decisioning models would be a strong plus. 🔑 You’ll play a key role by… Leading hands-on independent validation of models used for credit decisioning within our Borrowing strategies - covering a range of machine learning, decision science and NPV models. You will be ensuring that models are fit for purpose, appropriately governed, explainable and performing as expected Supporting oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response models Developing deep understanding of Monzo’s credit models, and using this to provide impactful input and challenge to model developers to improve our modelling capabilities Reviewing ongoing model performance monitoring to ensure our lending models perform within our risk thresholds, and providing support to our first line of defence teams when action is required Performing statistical analyses to independently assess model performance, including developing challenger models where appropriate to test model assumptions and strengthen validation conclusions Improving our Model Risk Framework, including overseeing our policies, standards and procedures to help embed best practice across the business. This means making sure we follow up-to-date regulatory guidelines, and adapt our processes to make sure they remain relevant as modelling techniques evolve Writing clear and impactful model validation reports, and presenting the findings and actions in relevant committees Partnering with colleagues in the first line of defence credit strategy and modelling teams - and wider risk teams across Monzo - to support the embedding of our model risk framework and establishing consistent validation standards across the organisation Embracing new and innovative technology, including leading the adoption of AI tools to enhance our model validation approach 🤩 We’d love to hear from you if… Have a strong background and practical experience in credit model development and/or validation - in particular with exposure to machine learning or statistical models used in credit decisioning, such as decision science scorecards, origination / underwriting PD models, and NPV / unit economics modelling Are data driven, with strong analytical skills and deep understanding of statistical techniques for credit and model risk. Being able to get hands on with data is critical - so strong SQL and Python skills are essential, and experience with data visualisation tools such as Tableau, Looker or similar is a plus! Understand how models are used in real-time decisioning and lending strategies, and how to balance commercial and risk outcomes Have strong written and verbal communication skills, and are able to articulate problems and solutions using clear and simple language. This is particularly important for breaking down complex issues and priorities to non-experts Have a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challenge Are impact-driven, and proactive in identifying issues and opportunities to improve outcomes for both our customers and our business Are passionate about technology, and what we’re doing here at Monzo excites you! Our technology stack We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them): Google Cloud Platform for all of our analytics infrastructure dbt and BigQuery SQL for our data modelling and warehousing Python for data science and machine learning Go to write our application code AWS for most of our backend infrastructure The interview process: Our interview process usually involves up to four main stages via Google Hangouts: An initial call with our recruiter A call with our Senior Model Validation Manager, the hiring manager for the role A role-specific call with colleagues from our credit modelling teams. We’ll share a short case study in advance, but you won’t need to submit a written response; we’ll use it to guide the discussion during the interview. A behavioural interview 🙌 What’s in it for you 💰 £79,000 - £93,000 + Incentive Awards tied to your performance benefits. 📍 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 . We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here . We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out! LinkedIn Tags: #LI-TK1 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 😊