Jobs at Monzo Bank

Leads fraud strategy and risk management across UK and EU banking products. Designs and oversees fraud controls, investigation processes, reporting, threat intelligence, and performance analytics. Partners with Product, Engineering, Data, and Operations teams to deliver scalable fraud prevention initiatives and manage large-scale change. Coaches and develops a high-performing fraud risk team while balancing customer experience, regulatory obligations, and business objectives.

Leads Monzo’s global tax strategy and team across the UK, Europe, and future markets. Oversees direct, indirect, employment, transfer pricing, and customer taxes; advises on product development, international expansion, and group structures; manages tax authority relationships, audits, and compliance. Partners with executives, product, engineering, and treasury teams while modernizing tax operations through AI, workflow tools, and automation.

Develop and improve financial forecasting models supporting budgeting, stress testing, IFRS 9 expected credit loss, and ICAAP activities. Establish financial modeling best practices, assess regulatory compliance, deliver model enhancements, and present results to senior management. Collaborate with portfolio strategy, model validation, finance, and external audit teams while using Python, SQL, and related analytics technologies.

Lead product marketing for a multi-product Collective: set one-year strategy, drive market intelligence, shape product strategy and positioning, own launch sequencing and briefs, embed product-market fit into squads, and coach/raise standards for a small team. Partner with Integrated Marketing to translate propositions into go-to-market execution across UK and European markets.

Provides second-line oversight of prudential risk and financial risk controls for a retail bank. Responsibilities include reviewing ICAAP, recovery and resolution planning, interpreting capital regulations, challenging first-line stakeholders, assessing financial models, analyzing stress-testing outputs, conducting assurance reviews, and preparing reports for risk committees and the Board. The role also supports regulatory change assessment, capital planning, financial forecasting, and strengthening the bank’s prudential risk framework.

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 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.

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.

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.

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.

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.