Jobs at Monzo Bank

Build, maintain and improve Monzo's cloud infrastructure and platform services. Run and manage Kubernetes clusters, service mesh and networking across AWS and GCP, implement Infrastructure as Code with Terraform, and develop backend services (APIs/controllers) to provide self-service tooling, support migrations, ensure scalability, reliability and a great developer experience.

The Finance Data Manager will analyze complex financial and operational datasets, translate business requirements into scalable data assets, and deliver management reporting and commercial insights. Responsibilities include collaborating on data pipelines, automating financial reporting with code and AI, building reporting solutions, improving processes, and partnering with stakeholders across the business.

Analyze and optimize savings product pricing, deposit volumes, margin, and competitiveness. Monitor portfolio performance, model pricing elasticity and growth-profitability trade-offs, forecast deposits, and evaluate strategic initiatives. Build pricing datasets and Looker dashboards, conduct competitor and macroeconomic analysis, and recommend pricing changes. Partner with Finance, Treasury, Data Science, and Product teams to translate complex financial data into actionable commercial decisions.

Supports and optimizes Anaplan financial planning models by managing change requests, assisting with model building, testing enhancements, maintaining data integrity, managing access, monitoring performance, and troubleshooting issues. Provides user training and documentation for FP&A and finance business partner teams, while collaborating with architects, model builders, and finance stakeholders. Uses AI tools to improve processes and problem-solving.

Lead ML strategy and delivery for Workforce Management: forecasting, routing, assignment, escalation and time-to-completion prediction. Build, ship and maintain production ML systems, coach and grow a team of ML scientists, work cross-functionally to turn operational problems into pragmatic ML solutions, and improve customer and operational outcomes.

The Staff Product Designer will lead design projects, set long-term design vision, mentor designers, and collaborate across teams to enhance customer experiences at Monzo.

Leads the Payments data strategy and partners with Product, Engineering, and Design to shape payment products, commercial optimization, customer growth, metrics, architecture, and operating models. Builds and scales a high-performing, full-stack data organization spanning data science, analytics engineering, machine learning engineering, and analytics. Serves as a trusted Payments Leadership partner, translating technical, product, and commercial perspectives into high-impact decisions.

Manage regulatory reporting policy, compliance, controls, governance, and interpretation of UK and European prudential regulations. Review capital, liquidity, and financial returns; partner with engineering, data science, Treasury, Risk, and project teams to improve data quality and reporting accuracy. Lead automation implementation, testing, process changes, continuous improvement, and team development while ensuring timely, complete, and compliant regulatory submissions.

Lead and scale user research across Core Banking, define strategic research direction, partner with senior stakeholders, manage and coach research managers (6-8 reports), synthesize qualitative and quantitative insights, and embed a global research operating model to inform product and organisational strategy.

Lead a distributed engineering organisation across multiple European markets, develop senior engineering leaders, partner with cross-functional stakeholders to define and execute European strategy, shape market expansion, localisation and regulatory approach, drive alignment across teams, design scalable operating models, and help validate product-market fit while balancing short-term delivery and long-term strategy.

Lead design and governance of Borrowing's data layer: architect data products, build reusable feature layers, scale analytics engineering infrastructure, define SLAs/contracts, and partner across product, credit, engineering, and Data Platform to ensure consistent, production-grade datasets for analytics, ML, decisioning, and regulatory use.

Lead and grow a team of ML scientists to build and productionise credit underwriting, pricing, limits, and lifecycle models. Define Borrowing's ML roadmap for UK growth, new segments, and EU expansion, improve feature engineering and data use, and raise standards for model quality, governance, and iteration speed.

The Senior Staff Backend Engineer will lead technical direction for systems, manage engineering standards, mentor teams, and ensure alignment with broader company goals. Responsibilities include hands-on coding, architecture, and partnership with product teams to maximize impact.

Design and optimise downstream data models in BigQuery to support reporting, ML, financial and regulatory use cases. Build and maintain scalable ETL pipelines, define data modelling and testing standards, improve warehouse performance and data quality, collaborate cross-functionally, own pipelines and provide occasional on-call support.

The Senior Engineering Manager will lead multiple teams, focusing on delivery, engineering excellence, and people leadership while fostering an inclusive environment. This role emphasizes collaboration with Technical Leads and Product Managers to achieve technical and delivery outcomes.

As a Staff Backend Engineer, you will collaborate across teams to build and improve backend systems using various technologies, focusing on customer-centric solutions and resilient software.

As a Senior Backend Engineer, you will collaborate with cross-functional teams to build resilient software and support various banking operations using technologies like Go and Kubernetes.

Lead product-focused data science work: run quantitative analyses and large-scale A/B tests, enable product teams with measurement, drive lifetime value analysis with finance, and partner with engineers to ensure correct data collection and actionable insights.

Lead data strategy and standards across product teams, develop experimentation best practices, mentor data scientists and analytics engineers, collaborate with product/engineering/design/research, and apply advanced data techniques to improve user engagement and product decision-making.

The Backend Engineer III will collaborate with cross-functional teams to design and build parts of Monzo's banking platform using technologies like Go and Kubernetes, focusing on customer outcomes and resilient software.