Jobs at Monzo Bank

Lead credit strategy for Monzo's credit card products: design underwriting and limit strategies, analyse portfolio performance and profitability (NPV), build segmentation and forecasting, run deep-dive analyses, partner with Product/Engineering/Data Science, evaluate commercial/customer impacts, present recommendations to senior stakeholders, and ensure regulatory and governance alignment.

Lead Analytics Engineer to architect and scale Operations data in BigQuery, build robust ETL and data models for reporting, ML and LLM use, drive re-architecture of domains, set DW best practices, own data governance and testing, lead through others, and provide on-call pipeline support.

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 Pricing Analyst will optimize insurance pricing through data analysis, experimentation, and collaboration, improving growth and profitability while managing day-to-day pricing performance.

As a Senior Machine Learning Scientist, you'll improve customer outcomes through automated decisioning using ML and statistical modeling, focusing on credit risk modeling and collaborating with cross-functional teams.

As a Full Stack Engineer, you will collaborate with cross-functional teams to build and support various banking solutions, contributing to impactful projects within Monzo while utilizing a range of technologies.

The Lead Product Designer will tackle complex design challenges, define product visions, enhance design systems, and collaborate across teams at Monzo. They are expected to lead projects, mentor team members, and improve customer-centric solutions using innovative design methodologies.

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.

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.

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.

Lead and develop a team of ML specialists to deliver production ML systems for fraud and financial crime. Set priorities, ensure model lifecycle practices (development, deployment, monitoring, governance), partner with Product, Risk, Engineering and Data, and raise standards for performance, explainability, reproducibility and observability while building an inclusive high-performing team.

Lead Monzo's Fraud & Disputes Risk team to design and embed prevention-first fraud controls across products. Build cross-functional partnerships with Product, Engineering, Data and Operations, develop innovative fraud strategies using modern technology, mentor teams, monitor emerging fraud trends, and influence senior stakeholders to protect customers.

Lead the planning and delivery of prudential regulatory deliverables (ICAAP, recovery planning, RAF), support capital planning, ALCO reporting and KRI maintenance, assess prudential regulatory change, embed recovery/resolution processes, manage projects to implement regulatory requirements, lead and develop a high-performing Financial Risk team, and communicate outcomes to senior stakeholders across the bank.

Lead Monzo's international public policy strategy and government relations across the EU and US. Build relationships with policymakers, industry groups and NGOs; coordinate cross-company input; brief senior leadership; write consultation responses; partner with external organisations; and advise product teams to ensure regulatory and social impact alignment during international expansion.

Investigate complex, high-risk financial crime and AML cases across business accounts. Make risk-based onboarding, due diligence, and monitoring decisions; identify suspicious activity and recommend STR escalations. Act as an SME advising operational teams, partner with product and risk to improve controls, support change delivery, training, quality improvements, and handle complex escalations. Role requires shift flexibility and initial mandatory training.

As a Staff User Researcher at Monzo, you'll influence customer outcomes through mixed-methods research, mentor other researchers, and shape strategies that enhance user experience in financial services.

Lead and develop multilingual Financial Crime teams to drive AML and financial crime operational excellence. Manage complex investigations and escalations, monitor performance and capacity, partner with risk and product to deliver improvements, and maintain strong risk and control standards while supporting team capability and customer outcomes.

Manage the day-to-day operations with third-party suppliers to ensure exceptional customer service delivery. Collaborate with internal teams to improve performance and efficiency while focusing on supplier relationships and governance.

Investigate suspected fraud by gathering evidence from transactions and customers, safeguard and remediate compromised accounts, liaise with banks, CIFAS and law enforcement, coach teams on fraud trends, and advise customers on prevention.

Lead credit risk strategy for Flex originations: set distribution and pricing frameworks, design real-time underwriting, oversee economic modelling, hire and grow an analytics team, and report performance to senior leadership.