Jobs at Monzo Bank

Lead strategy and operations for Monzo’s Payments organization. Responsibilities include shaping strategic direction, analyzing complex datasets, tracking performance, leading business reviews, evaluating commercial opportunities, optimizing resourcing and operating models, supporting geographic expansion, and aligning cross-functional teams across Product, Engineering, Data, and Design.

Lead vulnerability, accessibility, inclusion and bereavement strategy across Monzo. Develop standards, roadmaps and measurable outcomes; assess regulatory and customer-impact gaps; manage risks, controls and remediation; and influence Product, Operations, Risk, Compliance, Data and Engineering teams. Use customer insight, complaints and operational data to identify systemic barriers and improve customer outcomes. Serve as a senior subject matter expert, provide credible challenge, and build organizational capability.

Lead Monzo’s EU Data team and shape expansion strategy across European markets. Own data strategy, measurement foundations, experimentation, forecasting, goal setting, and product-market-fit analysis. Represent Data at executive level, influence commercial and product decisions, build cross-business learning loops, and develop a high-performing full-stack Data organization of individual contributors and managers.

Leads and coaches a team of technology recruiters while personally managing requisitions across Engineering, Product, Data, and Design. Partners with executives and senior stakeholders on workforce planning, organizational design, hiring strategy, assessment processes, and senior-level recruitment. Uses market insights, data, sourcing expertise, and candidate feedback to improve hiring quality, inclusivity, efficiency, and candidate experience.

Leads strategically important data science initiatives across complex business domains. Shapes data strategy, develops measurement frameworks, applies experimentation, causal inference, forecasting, optimization, and decision science, and partners with senior leaders to drive measurable outcomes. Remains hands-on with complex analyses, experiments, models, and prototypes while establishing technical standards, governance, reproducibility, and documentation. Coaches data scientists and analytics engineers and stewards critical data products end to end.

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.

Provides second-line oversight of consumer and small-business credit risk across lending products. Analyzes portfolio performance, develops monitoring metrics, challenges credit strategies, leads thematic assurance reviews, collaborates on model validation, supports stress testing and forecasting, and maintains the Credit Risk Framework. Partners with first-line teams on product launches and strategy changes while communicating risk insights to stakeholders and committees.

Investigate complex and high-risk anti-money laundering alerts for business accounts, recommend Suspicious Transaction Reports, make risk-based onboarding decisions, conduct enhanced due diligence, and provide financial crime expertise to operational teams. The role requires strong English and Italian communication skills, experience with business banking financial crime investigations, and knowledge of UK and EU financial crime risks.

Conduct third-party and supplier security assurance, security control testing, PCI DSS assessments, regulatory reviews, and audits. Evaluate security evidence, identify risks and control gaps, improve policies and governance, support security inquiries, and advise engineering and product teams on secure changes. The role also drives remediation, process automation, risk prioritization, and continuous improvement while mentoring less experienced analysts.

Lead operational tax activities across the UK and Europe, including compliance, reporting, controls, and regulatory change. Advise on customer tax liabilities, FATCA, CRS, ISA reporting, CT61s, and related requirements. Partner with Product, Engineering, Legal, Finance, Financial Crime, and market teams to embed tax considerations into new products and markets. Own processes, controls, and operational tax strategy while acting as the subject matter expert for the business.

Leads engineering teams across people, product, and technical delivery. Manages approximately 7–10 engineers, supports career development through coaching and feedback, ensures engineering excellence, partners with technical and product leaders, drives delivery outcomes, communicates with stakeholders, and contributes to organization-wide engineering practices. The role requires prior software engineering experience, strong technical judgment, delivery leadership, autonomy, and the ability to build and motivate high-performing teams.

Lead technical development and production deployment of ML models for search, personalization, ranking, and recommendations. Build scalable, explainable ML solutions, own end-to-end impact, collaborate with backend and product teams, and iterate on experiments using cloud-native data at scale.

Leads and develops a team of Data Scientists and other Data professionals, setting strategic direction and identifying high-impact opportunities. Partners with Product, Engineering, and senior stakeholders to shape product strategy and influence decisions through experimentation, causal inference, statistical modelling, machine learning, and analytics. Ensures analytical work drives measurable customer and commercial outcomes while collaborating with other data disciplines on tooling and infrastructure. Also contributes to hiring, coaching, technical standards, and the broader Data Science practice.

Lead a financial crime data science team focused on detecting, preventing, and mitigating financial crime. Partner with Product, Risk, Engineering, and control owners to shape data strategy, generate strategic insights, improve product decisions, and deliver rigorous analytics and machine learning solutions. Hire, develop, and retain data scientists and analysts while supporting innovation through business intelligence, experimentation, causal inference, and self-serve analytics.

Lead the design of high-quality web experiences that help customers discover Monzo. Use research, data, experimentation, and strong visual and interaction design to improve customer and commercial outcomes. Partner with Product, Engineering, Data, and Research, shape product direction, solve ambiguous problems, mentor designers, and use AI to improve the design workflow.

Leads product design for Monzo’s Payments business area, setting design strategy and vision, partnering with Product and Engineering leadership, shaping roadmaps, and driving high-quality execution. Builds and develops a high-performing design team, coaches designers, raises design quality, strengthens collaboration and craft, and expands design’s influence across the organisation and customer experience.

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.

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.

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.