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ð 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. The following information provides an overview of the skills, qualities, and qualifications needed for this role. 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 ðLondon or Remote (UK) | ð Base salary for this role is 112,000, • 145,000 + Incentive Awards tied to your performance +Benefits Engineering Management at Monzo:Engineering Managers at Monzo are part of cross-functional, autonomous teams and groups. Our teams are mission driven, and typically include Product Managers, backend, web and mobile engineers as well as data scientists, designers and subject matter experts relevant to that mission. Teams are organised into groups, and then collectives • we aim to keep our line management structure as shallow as possible, and for teams to directly own decision making relevant to their work.The Engineering Manager role at Monzo is split into three pillars, • people, product, and technical leadership. Engineering Managers are accountable for the technical and delivery outcomes for their area • that means supporting and developing best in class engineering talent, as well as creating an inclusive team environment for people to do their best work.You can read more on the expectations of Engineering Managers on our Progression Framework.The RoleWe're continuously hiring Engineering Managers as we continue to grow and build new teams. We hire on a pipeline based approach which means your application will be considered across all of our open EM positions. We use the interview process to assess your strengths and we'll match you to a role that best aligns with your experience. Of course, this is a collaborative process so you can also tell us which roles you're most interested in as you progress through interviews ð We're currently hiring across Platform, Core App, and Expansion.You’ll spend your time:Taking accountability for delivery across your squad(s), collaborating with the Technical Lead and Product Manager.Actively fostering a high bar for engineering excellence within your teams. You’re accountable for the technical outcomes your teams deliver alongside individual engineer performance and growth, so holding a high bar (and clearly articulating your expectations) is key.You’ll initially lead a group of around 7-10 engineers (depending on the role) and support, coach and develop them through their career with regular 1:1s and continuous feedback.Partner with senior engineers in your area to drive technical initiatives that raise the bar for our engineering practices.Lead on communication with stakeholders from other teams, creating focus space for engineers to do their best work.Collaborate with the wider engineering organisation to contribute to company-wide best managerial and technical practices and standards.You should apply if:While this is not a role which requires hands-on-coding, we are looking for an experienced manager who has a strong technical and delivery background and has worked as a software engineer in previous roles.We recognise that engineering managers lead in different ways, we’re looking for someone who: Is comfortable operating with ambiguous problem areas with a high degree of autonomy.It’s a bonus if you have experience working in an experimentation led environment.Has delivery experience and is able to guide the squads in achieving their outcomes.Focuses on outcomes over processes, who optimises for the highest impact and leverage.Is able to input, understand and challenge engineering decisions • but to empower the team to make those decisions themselvesHas an understanding of what good looks like for a high-performing team of engineers and ability to chart a course to get thereIs able to to coach people to achieve their goalsHas a natural ability to inspire and motivate a teamWe consider your application across all open EM roles at Monzo independent of which role you've applied for, so if you've recently applied to a similar role at Monzo and have been unsuccessful, please wait 6 months before applying again.How we work ð»:Locations & Flexible Working : 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 there’s no pressure to come into the office, 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 ð½. 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. ðWork the way that works for you with Monzo! ð¼The interview process:After an initial informal 30 min recruiting call, our interview process involves two main stages:Initial Call Interview (1 hour) You'll meet with one of our Senior Engineering Managers or Engineering Directors. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)Loop Stage (3 hours 30 mins) The Loop stage consists of 3 x 60 min interviews that take place over 1-2 days (depending on your availability) and one 30 minute reverse interview (more details below).The Loop is one stage, and the interviews in the Loop are:- Team and Org Management (1 hour)An example based interview with 1-2 of our engineering leaders. They’re interested to hear examples from your previous experience on the teams you’ve led, how you’ve shaped and partnered with product, and the impact you had.- System Design (1 hour)You'll partner with a Staff or Principal Engineer on a technical whiteboarding exercise.- Behavioural (1 hour)Similar to Team and Org Management, this is an example based interview with 1-2 Engineering Leaders. This interview focuses on your people leadership style and core behaviours as an Engineering Manager.- Chat with an Engineering Leader (30 mins)At Monzo, we believe interviews are a two-way street. This will be your opportunity to ask us any questions about Monzo, engineering leadership or our teams – whatever’s on your mind. All things going well, you'll have completed the hiring process ðOur average process takes around 3-4 weeks but we will always work around your availability. You’ll have the chance to speak to our recruitment team throughout the process. What’s in it for you:ð Base salary for this role is 112,000 • 145,000 + Incentive Awards tied to your performance We can help you relocate to the UK We can sponsor visasðWe offer flexible working with no company mandate on how often you need to come into the office. You can be London based or remote within the UK (with ad hoc visits to our London office). 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.ðLearning budget of 1,000 a year for books, training courses and conferencesAnd much more, see our full list of benefitshereWe're usually always hiring for Engineering Managers, so there's no closing date for this job.#LI-AL1 #LI-REMOTEEqual opportunities for everyoneDiversity 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

Senior Staff Backend Engineerat Monzo • Cardiff, London or Remote (UK)Back to jobs1. Home2. Jobs3. United Kingdom4. Senior Staff Backend Engineer1d agoM## Senior Staff Backend EngineerMonzoEngineeringFull-timeCardiff, London or Remote (UK)Sponsorship listedEmployer listing mentions sponsorship (“to that standard . Proactively mentor, sponsor and develop senior engineers and future leaders , multiplying your impact by en”). Confirm details on the application page.Apply Job### Job Description 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 | £155,000 - £200,000 + Equity | Benefits | TechnologySenior Staff Engineer: L70 on our Engineering Progression FrameworkAbout our Engineering 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.We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do.Senior Staff Engineer Responsibilities:A Senior Staff Engineer at Monzo is a hands on engineering leadership (IC) position. As a Senior Staff Engineer you’ll:Partner with Engineering Directors to shape the technical and product direction of a collective , providing leadership across multiple squads (30–70+ engineers) and ensuring alignment with company-wide priorities.Be hands on in both coding and architecture, leading from the front.Partner closely with Product and Design leadership to define strategy, shape roadmaps, and make high-quality trade-offs that maximise business and customer impact across the collective .Mobilise teams across your collective around high-impact problems , creating clarity, alignment and momentum, injecting urgency when needed, or slowing things down to ensure safety and long-term sustainability.Lead and influence architectural direction for the most complex systems, ensuring cohesive, scalable designs across multiple teams and aligning local decisions with the broader system strategy .Set and uphold a high bar for technical excellence across the collective, driving improvements in quality, reliability and scalability, and fostering a culture where engineers hold each other to that standard .Proactively mentor, sponsor and develop senior engineers and future leaders , multiplying your impact by enabling others to operate at a higher level.What you’ll be using/ What you’ll be working on: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 storageKafka for our asynchronous message queueKubernetes and Docker to schedule and run our servicesAWS for most of our production infrastructure and GCP for most of our data infrastructure.React for internal Web dashboardsFeast for storing our features along a variety of tools to train and deploy models.We’d love to hear from you if...You have a track record of leading complex, high-impact systems and driving technical direction across multiple teamsYou combine strong technical judgment with product and business awareness , making pragmatic trade-offsYou’ve worked on scalable backend, distributed or data-intensive systemsYou’re comfortable operating in ambiguous problem spaces , helping teams define direction and executeYou influence and align senior stakeholders across engineering, product and beyondYou care about outcomes and impact , using data to guide decisionsYou enjoy mentoring and raising the bar for other engineersHow we work Locations & Flexible Working: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! What’s in it for you Base salary £155,000 - £200,000 + Equity We’ll help you relocate to the UK. We can sponsor your visa.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 . The application journey has 4 key stepsOur interview process involves four main stages after an informal recruiter call:Recruiter CallInitial CallSystem Design InterviewTake home task or pair coding exerciseFinal interview including a behavioural and a leadership interviewThis process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!One of our staff engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here .#LI-Remote#LI-ZMEqual opportunities for everyoneDiversity 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 #J-18808-Ljbffr

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 aspersonal 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 andcombine 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 the company London/Cardiff/UK Remote | £108,700 - £140,000 + equity + Incentive Awards tied to your performance + Benefits We’re all about building trust and keeping our community safe while helping the company grow. The Financial Crime & Fraud Collective is at the heart of this work. As a Senior Fraud Risk Manager, you’ll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence! You’ll get to work across current accounts, business banking, international accounts, and more. While you’ll be managing people and programs, you should also be excited to roll up your sleeves and get hands‑on. We need a crack team of crime fighters to help us stay one step ahead as we continue to grow. Helping to lead our fast‑growing global Fraud & Disputes Risk team and work alongside leaders across our cross‑functional Fraud Squads. We’re looking for a proactive, collaborative leader who really knows fraud risk management inside and out - spanning several of our authorised fraud, unauthorised fraud, first‑party fraud, and disputes specialisms You’ll build great relationships with our Product, Engineering, Data, and Operations teams to design smooth, effective fraud controls, investigation processes, and reporting. You’ll also champion a positive team culture and make sure key fraud initiatives stay on track. Your Core Focus Areas include: • Fraud Strategy & Operational Execution: Join squad leadership to turn our big‑picture fraud vision into practical roadmaps for our UK and EU Banks. You’ll strike the perfect balance between smart protection controls and a seamless customer experience., • Control Framework & Fraud SME: Be our go‑to expert on fraud typologies and prevention tools, overseeing end‑to‑end design and rollout of strong controls., • Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements., • Cross‑Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward., • People Leadership & Capability Building: Coach, mentor, and grow a fantastic fraud risk team while supporting everyone’s personal and professional development., • You have strong experience leading fraud strategy and risk teams, ideally in a fast‑moving, regulated environment., • You know UK & EU fraud regulations inside out., • You’re skilled at building tech‑driven fraud strategies that scale across operations., • You have a proven track record of delivering end‑to‑end projects and large‑scale change programs., • You stay plugged into industry trends and can quickly respond to new fraud risks., • You excel at balancing fraud risk with business goals and collaborating to ship new products safely., • You’re a supportive coach who loves developing high‑performing teams., • You’re an empathetic communicator who aligns messaging with our core values., • You’re data‑driven, comfortable self‑serving data, and love using tech to solve problems., • You hold a relevant industry qualification (such as ICA, Cifas, ACAMS, or CFE). £108,700 - £140,000 Incentive Awards tied to your performance. 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. This process should take around 4-5 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 the company. You can read them here. 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. 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 the company. At the company, 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 #J-18808-Ljbffr

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 Staff Analytics Engineer - BorrowingLondon/Cardiff/UK Remote | £121,600-164,600 + Incentive Awards tied to your performance and benefits | Hear from the team Our Borrowing Analytics Engineering TeamOur mission in Borrowing is to help people achieve their financial goals through better borrowing. Our customers borrow money to achieve something in their lives — whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. We’re shaping this mission by building products our customers love, while safely scaling some of Monzo’s biggest revenue lines.Borrowing is one of Monzo’s most complex and fastest-growing domains. We operate 12+ products across multiple geographies, underpinned by 1,700+ data models and an analytics engineering team that’s scaling to match. We’re in the middle of a major data architecture transformation, expanding into new markets, and building the next generation of data infrastructure to support it all.We’re looking for a Staff Analytics Engineer to help shape how Borrowing builds and uses data at scale. Reporting to the Borrowing Data Director, you’ll work across product, credit, engineering, Data Platform, and analytics engineering teams to turn complex technical problems into clearer systems, stronger data products, and better business decisions.You’ll play a key role by...- Architecting Borrowing’s data layer at scale. Partnering across Analytics Engineering, Product, Engineering, Credit, and Data Platform to shape how 1,700+ models across 12+ products are structured, connected, and evolved. You’ll set shared patterns that help teams build trusted, consistent, and scalable data products across Borrowing.- Designing and governing data products. Moving us beyond ad-hoc tables toward well-defined, contractual data assets with clear ownership, SLAs, documentation, and interfaces. You’ll work with teams across Borrowing and Data Platform to define what makes a Borrowing dataset “production-grade” and consumable by analytics, ML, decisioning, and regulatory teams.- Building feature stores and reusable analytical assets. Identifying cross-product signals (credit behaviour, repayment patterns, affordability, risk indicators) that should be modelled once, tested rigorously, and consumed by many. You’ll design the layer that turns raw product data into curated, versioned features that power models, dashboards, and decisions.- Scaling our analytics engineering infrastructure. Shaping the tooling, patterns, and developer experience that make an 80+ person credit and data organisation more productive. This means influencing our data architecture and ways of working across data and credit disciplines, while partnering with the central Data Platform team to ensure Borrowing’s needs are reflected in ingestion, streaming, and schema contract design.- Driving cross-product data consistency. As we expand across geographies and product lines, ensuring our data models are coherent and comparable. You’ll work with AE leads and domain experts to define shared conventions and abstractions that allow us to reason about Borrowing as a whole, not just product-by-product.- Being a senior technical partner for Borrowing’s data estate. Partnering with backend engineers on source data payload design, with product managers on measurement strategy, with credit teams on decisioning data, and with senior leadership on what’s possible and what’s next.- Leading through influence and leverage. You won’t manage people directly, but you’ll shape how an entire domain builds data. You’ll multiply the impact of AEs across Borrowing by setting the right patterns, unblocking architectural decisions, and raising the bar on what good looks like.We’d love to hear from you if...- You think in systems, not just queries. You’ve designed data architectures that span multiple products or domains, and you know how to keep them coherent as they scale. You can take ambiguous problems and turn them into a clear technical direction, delivery sequence, and set of trade-offs.- You’ve built data products, not just data models. You understand the difference between a table that exists and a data asset that’s governed, documented, versioned, discoverable, and trusted. You’ve defined SLAs, contracts, interfaces, or ownership models for data consumers, and you’re excited to do this at scale.- You have deep fluency with analytics engineering systems and infrastructure. dbt at scale, BigQuery or equivalent, CI/CD for data, testing frameworks, and orchestration. You don’t just use these tools, you shape how teams use them. You’ve hit the scaling limits and know what to do about them.- You can design reusable feature layers. You’ve designed, contributed to, or have a clear vision for reusable feature layers that serve multiple consumers, including ML pipelines, dashboards, decisioning engines, and regulatory reporting. You understand the trade-offs between freshness, cost, granularity, correctness, and ease of use.- You’re comfortable at the platform boundary. You can have a productive conversation with a Data Platform engineer about ingestion patterns, streaming vs. batch trade-offs, schema evolution, and infrastructure costs. You don’t need to build the platform, but you need to shape what it delivers.- You connect technical choices to business outcomes. You care about whether data models, feature layers, and platform patterns actually improve decisions. You understand how product, credit, engineering, and operational teams use data, and you use that context to align people around better technical choices.- You lead through others. You create leverage not by writing more SQL, but by setting patterns, reviewing designs, unblocking teams, and raising the standard. You’re energised by making 30+ people more effective, not by being the single expert.- You communicate across altitudes. You can whiteboard a data architecture with a back-end engineer in the morning and present a strategic data roadmap to a director in the afternoon. You adapt your message to your audience without losing precision.- You care about credit products. You’re excited, or curious, about the complexity of lending, including risk, affordability, regulatory constraints, and multi-product dynamics. You see it as a fascinating data domain, not just a business vertical.Interview processOur typical process is structured as:- Recruiter call- Initial call- 3 x 1 hours sessions (final interview)Our average process takes around 3-4 weeks but we will always work around your availability.What’s in it for you:£121,600-164,600 + Incentive Awards tied to your performance and benefits We can help you relocate to the UK We can sponsor visasThis 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 #J-18808-Ljbffr

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) | £100,000 - £133,000 +Benefits | We’re looking for several Product Marketing Leads to set the market intelligence and product strategy for individual product Collectives. At Monzo, Product Marketing is a global product-market fit discipline rather than a GTM discipline. We’re embedded in squads with PMs, Designers and User Researchers, shaping products and propositions by acting as the voice of the market (UK, Ireland, Spain and future markets). We then partner closely with Integrated Marketing, who lead marketing strategy and execution, to bring those propositions to customers. Together, we aim to build and market category-leading products. If that’s your flavour of product marketing, Monzo is for you. This is a player/coach role. You'll own Product Marketing for a Collective: understanding customers, shaping product strategy, defining positioning, and guiding how launches land in the market. If you love influencing what gets built as much as how it's communicated, you'll feel at home here. • Wealth is building the future of how people grow their money: helping millions of customers save, invest, and plan for retirement with the same simplicity and trust they expect from their current account. It spans Savings, Investments, Pensions, Insurance, and brand new kinds of wealth-building experiences. This is a role for someone who wants to challenge how traditional wealth products work to make growing money (finally) feel simpler and more useful for everyday customers., • MonzOS is the intelligence layer of Monzo: an AI-powered operating system that helps customers find the right product, insight or action at the right moment. It brings together personalisation, recommendations, search and in-app discovery to make Monzo feel more useful every time someone opens the app. This is a role for someone who is excited by the challenge of making Monzo feel simple, trusted and indispensable in people’s financial lives., • EU is building Monzo for millions of customers across Europe, taking what people love about Monzo in the UK and making it work brilliantly in new markets. This role will lead consumer market insight and competitor discovery for new countries, while supporting growth in already-live markets like Ireland and Spain. This is a role for someone who loves figuring out how to win a market: turning customer insight, competitor analysis and local context into practical, provocative choices for product and marketing. You and your team will… • Set strategy for multiple categories. You’ll own a one-year product marketing strategy for a complex, multi-product Collective. You will work to define how Monzo wins in multiple categories with multiple products over time., • Set the market intelligence agenda. You’ll decide what we need to understand about our customers, competitors, and the market. You’ll identify and size opportunities, and build the frameworks other teams use to prioritise and respond., • Shape what gets built. You’ll use market intelligence to shape product strategy across multiple areas, bringing a perspective that changes what we build and in what order. You’ll sit alongside Product leadership, driving commercial outcomes through product differentiation., • Define positioning that moves the business. You’ll ensure every product starts with a customer problem, differentiated positioning, and a proposition worth talking about. You’ll demonstrate that positioning will shift customer perception and move revenue at scale., • Own how we go to market. You’ll decide when products launch, with what mechanic, and in what order, so launches across the Collective add up to more than a run of releases. You’ll give Integrated Marketing a brief sharp enough that they never have to guess, then feed what the market tells you back into the proposition., • Raise the bar for Product Marketing. You’ll define what great looks like through high standards, coaching, feedback, and better systems. You’ll improve how PMM works by embedding AI into our workflows, tools, and playbooks. On the manager track, you’ll also be accountable for the development, performance, and careers of a small team., • You think beyond a single product. You’re comfortable owning strategy across multiple products and categories, where work spans multiple squads and the decisions have business-wide implications., • You own the hardest calls in your domain. You’re trusted to make high-stakes positioning and strategy decisions independently, and you’re right often enough that Product and Marketing leadership seek your judgement. You’re comfortable making difficult trade-offs between commercial needs, customer experience, and competitive urgency when the right answer isn’t obvious., • You bring senior people with you. You build consensus around difficult decisions, influence senior stakeholders across disciplines, and create clarity out of ambiguity. People look to you for guidance when the path forward isn’t obvious., • You're a player/coach. You still want to do the hardest strategic work yourself while coaching others through feedback, mentoring, and high standards. Whether or not you're a people manager, your impact is visible in the growth of the people around you. Our interview process involves three main stages: • Initial Call (45mins), • Case Study Presentation (1hour), • x2 final interviews via Google Meet (45mins for each interview) This process should take around 3-4 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. You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to . You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else. • £100,000 - £133,000 as a base salary, • This role will be based out of our London office next to Liverpool Street station in a hybrid approach of office based and home working, or remotely within the UK, • 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 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 #J-18808-Ljbffr

Direct company application on job-boards.greenhouse.io . Zero third-party aggregator forms. We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. 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 + 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. 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 ), • 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 codi #J-18808-Ljbffr

ð 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. Want to make an application Make sure your CV is up to date, then read the following job specs carefully before applying. 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 ðLondon/Cardiff/UK Remote | ð108,700, • 140,000 + equity + Incentive Awards tied to your performance + BenefitsOur Financial Crime & Fraud CollectiveWe’re all about building trust and keeping our community safe while helping Monzo grow. The Financial Crime & Fraud Collective is at the heart of this work. As a Senior Fraud Risk Manager, you’ll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence!You’ll get to work across current accounts, business banking, international accounts, and more. While you’ll be managing people and programs, you should also be excited to roll up your sleeves and get hands-on.We need a crack team of crime fighters to help us stay one step ahead as we continue to grow. ð You’ll play a key role by...Helping to lead our fast-growing global Fraud & Disputes Risk team and work alongside leaders across our cross-functional Fraud Squads. We’re looking for a proactive, collaborative leader who really knows fraud risk management inside and out • spanning several of our authorised fraud, unauthorised fraud, first-party fraud, and disputes specialismsYou’ll build great relationships with our Product, Engineering, Data, and Operations teams to design smooth, effective fraud controls, investigation processes, and reporting. You’ll also champion a positive team culture and make sure key fraud initiatives stay on track.Your Core Focus Areas include:Fraud Strategy & Operational Execution: Join squad leadership to turn our big-picture fraud vision into practical roadmaps for our UK and EU Banks. You’ll strike the perfect balance between smart protection controls and a seamless customer experience.Control Framework & Fraud SME: Be our go-to expert on fraud typologies and prevention tools, overseeing end-to-end design and rollout of strong controls.Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements.Cross-Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward.People Leadership & Capability Building: Coach, mentor, and grow a fantastic fraud risk team while supporting everyone’s personal and professional development.ð We’d love to hear from you if…You have strong experience leading fraud strategy and risk teams, ideally in a fast-moving, regulated environment.You know UK & EU fraud regulations inside out.You’re skilled at building tech-driven fraud strategies that scale across operations.You have a proven track record of delivering end-to-end projects and large-scale change programs.You stay plugged into industry trends and can quickly respond to new fraud risks.You excel at balancing fraud risk with business goals and collaborating to ship new products safely.You’re a supportive coach who loves developing high-performing teams.You’re an empathetic communicator who aligns messaging with our core values.You’re data-driven, comfortable self-serving data, and love using tech to solve problems.You hold a relevant industry qualification (such as ICA, Cifas, ACAMS, or CFE).ð What’s in it for youð 108,700 • 140,000 Incentive Awards tied to your performance.ðThis 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. ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ 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.ð The application journey has 3 key steps30 min call with the recruiter30 min hiring manager call2 hours of technical and leadership principle interviewsThis process should take around 4-5 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.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. #LI-OS1 #LI-REMOTEEqual opportunities for everyoneDiversity 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. 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 We’re all about building trust and keeping our community safe while helping Monzo grow. The Financial Crime & Fraud Collective is at the heart of this work. As a Senior Fraud Risk Manager, you’ll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence! You’ll get to work across current accounts, business banking, international accounts, and more. While you’ll be managing people and programs, you should also be excited to roll up your sleeves and get hands-on. We need a crack team of crime fighters to help us stay one step ahead as we continue to grow. Helping to lead our fast-growing global Fraud & Disputes Risk team and work alongside leaders across our cross-functional Fraud Squads. We’re looking for a proactive, collaborative leader who really knows fraud risk management inside and out - spanning several of our authorised fraud, unauthorised fraud, first-party fraud, and disputes specialisms You’ll build great relationships with our Product, Engineering, Data, and Operations teams to design smooth, effective fraud controls, investigation processes, and reporting. You’ll also champion a positive team culture and make sure key fraud initiatives stay on track. • Fraud Strategy & Operational Execution: Join squad leadership to turn our big-picture fraud vision into practical roadmaps for our UK and EU Banks. You’ll strike the perfect balance between smart protection controls and a seamless customer experience., • Control Framework & Fraud SME: Be our go-to expert on fraud typologies and prevention tools, overseeing end-to-end design and rollout of strong controls., • Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements., • Cross-Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward., • People Leadership & Capability Building: Coach, mentor, and grow a fantastic fraud risk team while supporting everyone’s personal and professional development., • You have strong experience leading fraud strategy and risk teams, ideally in a fast-moving, regulated environment., • You know UK & EU fraud regulations inside out., • You’re skilled at building tech-driven fraud strategies that scale across operations., • You have a proven track record of delivering end-to-end projects and large-scale change programs., • You stay plugged into industry trends and can quickly respond to new fraud risks., • You excel at balancing fraud risk with business goals and collaborating to ship new products safely., • You’re a supportive coach who loves developing high-performing teams., • You’re an empathetic communicator who aligns messaging with our core values., • You’re data-driven, comfortable self-serving data, and love using tech to solve problems., • You hold a relevant industry qualification (such as ICA, Cifas, ACAMS, or CFE). 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. • 30 min call with the recruiter, • 2 hours of technical and leadership principle interviews This process should take around 4-5 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. 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. #LI-OS1 #LI-REMOTE 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 #J-18808-Ljbffr

Lead Machine Learning Scientist, Searchat Monzo • Cardiff, London or Remote (UK)Back to jobs1. Home2. Jobs3. United Kingdom4. Lead Machine Learning Scientist, Search1d agoM## Lead Machine Learning Scientist, SearchMonzoEngineeringFull-timeCardiff, London or Remote (UK)Sponsorship listedEmployer listing mentions sponsorship (“n help you relocate to the UK We can sponsor visas This role can be based in our London office, but we're open to distrib”). Confirm details on the application page.Apply Job### Job Description 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/Cardiff/UK Remote | £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits About our Machine Learning Search TeamWe are currently embarking on one of our two top strategic priorities to make Money work for Everyone: building the Monzo Co-pilot. We are becoming an intelligent, proactive ally that handles the complexity of users financial life. We aren't just selling financial products; we are building a truly smart agent that understands users, anticipates their needs, and helps people reach their financial goals.Our ML Search team brings together Backend, Product, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll build and ship models that help customers search for and find answers about their financial lives. You'll make it effortless for them to find the right products at the exact moment they need them.Whether it’s surfacing the right savings product at the perfect moment, helping customers manage their spending, or simplifying financial planning, our work makes banking smarter, more intuitive, and truly customer-first.What you’ll be working on:As a Lead Machine Learning Scientist, you'll be a technical leader and individual contributor. We have a modern, cloud-native data platform with billions of rows of data built for fast iterations. You'll leverage your deep expertise to develop and deploy advanced ML models to our more than 15 million customers.Your work may involve user and product embeddings to better understand customer behaviours, contextual bandits for optimising real-time decisions, or personalised ranking algorithms that improve search and discovery. You'll also build scalable, explainable, and responsible AI solutions that enhance trust, transparency, and the overall customer experience.The technical approaches you take to help solve customer problems will be very much in your hands and we’ll strongly encourage and support experimentation and innovation. We’ll be expecting you to justify and demonstrate effectiveness along the way, making sure the approach meets our business and customer needs.You should apply if:What we’re doing here at Monzo excites you!You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems preferably in a fast moving tech companyYou have experience developing and shipping state of the art ML models to production and delivering business impactYou're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in productionYou have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do soYou speak Python fluently and have extensive, hands-on experience with scikit-learn . You are comfortable using SQL, and keen to learn Go lang which is used in many of our backend microservicesYou’re comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguityYou want to be involved in building a product that you (and the people you know) use every dayYou have a product mindset : you care about customer outcomes and you want to make data-informed decisionsYou're excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domainYou’re adaptable, curious and enjoy learning new technologies and ideasNice to haves:Experience working on personalisation, ranking & recommendation problems for consumer applicationsCommercial experience writing critical production code and working with microservicesThe interview process:Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!30 minute recruiter call45 minute call with hiring managerFull Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interviewOur average process takes around 3-4 weeks but we will always work around your availability.What’s in it for you: We can help you relocate to the UK We can sponsor visasThis 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 training courses and conferencesAnd much more, see our full list of benefits hereIf 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-REMOTE #LI-SR1Equal opportunities for everyoneDiversity 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 #J-18808-Ljbffr

Staff Backend Engineerat Monzo • Cardiff, London or Remote (UK)Back to jobs1. Home2. Jobs3. United Kingdom4. Staff Backend Engineer1d agoM## Staff Backend EngineerMonzoEngineeringFull-timeCardiff, London or Remote (UK)Sponsorship listedEmployer listing mentions sponsorship (“n help you relocate to the UK We can sponsor visas. This role can be based in our London office or remotely across the UK”). Confirm details on the application page.Apply Job### Job Description 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 | Staff Backend Engineer (L60) £130,000 - £170,000 + Equity + Benefits | Technology - EngineeringAbout our Engineering 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.We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do!What you’ll be working on: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 storageKafka for our asynchronous message queueEnvoy Proxy for RPCKubernetes and Docker to schedule and run our servicesAWS for most of our infrastructureReact for internal web dashboardsWe also have two physical datacenter sites with actual cables to connect to various third partiesYour day-to-dayThis role is all about collaborating across disciplines to test hypotheses and make a difference to customers. As a product backend engineer you’ll work in a squad alongside product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more!Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people).Our collectives are doing innovative work, many of which have machine learning and AI at the forefront - from fighting financial crime to building smarter financial tools - and you may have the opportunity to join a collective that gives you direct exposure to this exciting space.Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles.How we work Locations & Flexible Working: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 productyou want to be involved in building a product that you (and the people you know) use every dayyou have a product mindset: you care about customer outcomes and you want to make data-informed decisionsyou’re comfortable working in a team that deals with ambiguityyou’re interested in distributed systems and writing resilient softwareyou have some experience with strongly-typed languages (Go, Java, C, Scala etc.).you think you’d enjoy the kind of work we’re doingWe're on the look out for L60 Engineers at the moment, you can read more in our Engineering Progression Framework we are also hiring on L40 & L50, our interview process will determine your levelling.The Interview Process:Our interview process involves three main stages:Initial CallTake home task or pair coding exerciseFinal interview including a system design and a behavioural interviewOur average process takes around 2-3 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: £130,000 - £170,000 + EquityWe can help you relocate to the UK We can sponsor visas.This role can be based in our London office or remotely across 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 conferencesAnd much more, see our full list of benefits hereWe're usually always hiring for Backend Engineers, so there's no closing date for this job.#LI-Remote#LI-HJ1Equal opportunities for everyoneDiversity 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 #J-18808-Ljbffr

Senior Backend Engineerat Monzo • Cardiff, London or Remote (UK)Back to jobs1. Home2. Jobs3. United Kingdom4. Senior Backend Engineer1d agoM## Senior Backend EngineerMonzoEngineeringFull-timeCardiff, London or Remote (UK)Sponsorship listedEmployer listing mentions sponsorship (“an help you relocate to the UK We can sponsor visas. This role can be based in our London office, but we're open to distri”). Confirm details on the application page.Apply Job### Job Description 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 | Senior Engineer (L50) £105,000 - £135,000 + Incentive Awards tied to your performance + Benefits | Technology - EngineeringAbout 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.We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do!Your day-to-dayThis role is all about collaborating with your team to make a difference to your customers. As a backend engineer you’ll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more!Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are: Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion.All of our collectives are doing innovative work, many of which have machine learning and AI at the forefront- from fighting financial crime to building smarter financial tools - and you may have the opportunity to join a collective that gives you direct exposure to this exciting space.They’re all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need!Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles.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 productyou want to be involved in building a product that you (and the people you know) use every dayyou have a product mindset: you care about customer outcomes and you want to make data-informed decisionsyou’re comfortable working in a team that deals with ambiguityyou’re interested in distributed systems and writing resilient softwareyou have some experience with strongly-typed languages (Go, Java, C, Scala etc.).you think you’d enjoy the kind of work we’re doingWe're on the look out for L50 Engineers at the moment, you can read more in our Engineering Progression Framework - we will interview you across the whole frame work, so if you are not sure what level you are aiming for please chat to your recruiters!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 storageKafka for our asynchronous message queueKubernetes and Docker to schedule and run our servicesEnvoy Proxy for RPCAWS for most of our production infrastructure and GCP for most of our data infrastructureReact for our public web apps and internal toolsWe also have physical datacenters with actual cables to connect to various third partiesThe Interview Process:Our interview process involves three main stages:Initial CallTake home task or pair coding exerciseFinal interview: including a system design and a behavioural interviewOur 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: £105,000 - £135,000 + Incentive Awards tied to your performanceWe can help you relocate to the UKWe 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 conferencesAnd much more, see our full list of benefits hereWe're usually always hiring for Backend Engineers, so there's no closing date for this job.#LI-Remote#LI-NBEqual opportunities for everyoneDiversity 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 #J-18808-Ljbffr

Lead Machine Learning Scientist, Business Bankingat Monzo • Cardiff, London or Remote (UK)Back to jobs1. Home2. Jobs3. United Kingdom4. Lead Machine Learning Scientist, Business Banking1d agoM## Lead Machine Learning Scientist, Business BankingMonzoEngineeringFull-timeCardiff, London or Remote (UK)Sponsorship listedEmployer listing mentions sponsorship (“n help you relocate to the UK We can sponsor visas This role can be based in our London office, but we're open to distrib”). Confirm details on the application page.Apply Job### Job Description 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/Cardiff/UK Remote | £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits About our Machine Learning Business Banking teamOur mission in Business Banking is to simplify banking for small businesses; making business banking fairer, simpler and more transparent. Monzo Business Banking is fast-growing, is the UK’s most recommended business account for overall service quality. We recently hit 1 million customers and are used by 1 in 6 UK SMEs.We want to help businesses spend less time on financial admin and more time focused on running and growing their business. We’re building intelligent, data-driven and AI/ML-enabled product experiences that help small businesses feel more in control, make better decisions, and get more value from Monzo.ML is at the core of how we build and scale our products, enabling Monzo to make better decisions, faster, and helping us serve businesses more effectively.As a Lead Machine Learning Scientist in Business Banking, you’ll help build and ship models that power the next generation of Business Banking experiences. You’ll work closely with Product, Engineering, Design, Research, Data Science and Analytics Engineering to bring ML-enabled product capability into the heart of how we build for businesses.Whether it’s helping businesses understand their cash flow, reducing manual admin, surfacing the right insight at the right moment, or helping teams build intelligent product experiences responsibly, our work makes business banking smarter, simpler and more useful for SMEs.What you'll be working onAs a Lead Machine Learning Scientist, you’ll be a technical leader and hands-on individual contributor, spearheading our ML and GenAI capabilities and shipping key models that powers magical Business Banking experiences.You’ll:Be one of the first ML Scientists in Business Banking, bringing leadership through ambiguity by adding structure and direction to our ML capabilities while staying agile and building momentum.Develop and deploy advanced ML models on our cloud-native data platform to serve hundreds of thousands of business customers.Partner with Product, data science and other stakeholders to identify the highest-impact opportunities, size impact, and define success metrics.Decide when to use ML, GenAI, or simpler approaches and be clear on trade-offs.Design robust evaluation and monitoring so we can ship responsibly and measure impact in production.Lead the design and implementation of batch and near-real-time models (e.g. LLM-powered experiences, predictive models, time-series forecasting).Collaborate closely with MLOps and Backend Engineering to operationalise models end-to-end and raise the bar on ML lifecycle rigor.Set technical standards, mentor others, and support experimentation and iteration.You should apply ifWhat we’re doing here at Monzo excites you!You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems, preferably in a fast-moving tech company.You have experience developing and shipping state-of-the-art ML models to production and delivering business impact.You're impact-driven and excited to own the end-to-end journey that starts with a business problem and ends with your solution having a measurable impact in production.You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so.You speak Python fluently and have extensive, hands-on experience with scikit-learn . You are comfortable using SQL, and keen to learn Go, which is used in many of our backend microservices.You’re comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity.You want to be involved in building a product that small businesses use to run and manage their financial lives every day.You have a product mindset: you care about customer outcomes and you want to make data-informed decisions.You’re excited about fast-moving developments in Machine Learning and AI and can communicate those ideas to colleagues who are not familiar with the domain.You’re adaptable, curious and enjoy learning new technologies and ideas.You’re excited by the opportunity to help Business Banking evolve into AI and ML-enabled product capability.You can work closely with Product, Engineering, Design, Research and Data colleagues to shape product strategy, clarify trade-offs and build things that customers actually use.You’re thoughtful about responsible ML/AI; especially in financial products where trust, transparency and customer control matter.Nice to havesExperience working on personalisation, ranking, recommendation, forecasting, classification or decisioning problems for customer-facing applications.Experience working on ML systems for fintech, banking, accounting, payments, lending, invoicing, cash flow, tax, risk or business software.Experience with GenAI, LLMs, agentic workflows, retrieval, evaluation frameworks, or human-in-the-loop product experiences.Commercial experience writing critical production code and working with microservices.Experience designing experiments, A/B tests or other approaches to measure product and customer impact.Experience working in regulated environments or with products where explainability, auditability and customer trust are especially important.The interview processOur interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!30 minute recruiter call45 minute call with hiring managerFull Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interviewOur average process takes around 3-4 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 but if you do have any specific questions ahead of this please contact us on .Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason.What’s in it for you We can help you relocate to the UK We can sponsor visasThis 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 training courses and conferencesAnd much more, see our full list of benefits hereIf 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-REMOTE #LI-SR1Equal opportunities for everyoneDiversity 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 #J-18808-Ljbffr

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/Cardiff/UK Remote | £108,700 - £140,000 + equity + Incentive Awards tied to your performance + Benefits We’re all about building trust and keeping our community safe while helping Monzo grow. The Financial Crime & Fraud Collective is at the heart of this work. As a Senior Fraud Risk Manager, you’ll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence! You’ll get to work across current accounts, business banking, international accounts, and more. While you’ll be managing people and programs, you should also be excited to roll up your sleeves and get hands‑on. We need a crack team of crime fighters to help us stay one step ahead as we continue to grow. You’ll play a key role by… Helping to lead our fast‑growing global Fraud & Disputes Risk team and work alongside leaders across our cross‑functional Fraud Squads. We’re looking for a proactive, collaborative leader who really knows fraud risk management inside and out - spanning several of our authorised fraud, unauthorised fraud, first‑party fraud, and disputes specialisms. • Fraud Strategy & Operational Execution: Join squad leadership to turn our big‑picture fraud vision into practical roadmaps for our UK and EU Banks. You’ll strike the perfect balance between smart protection controls and a seamless customer experience., • Control Framework & Fraud SME: Be our go‑to expert on fraud typologies and prevention tools, overseeing end‑to‑end design and rollout of strong controls., • Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements., • Cross‑Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward., • People Leadership & Capability Building : Coach, mentor, and grow a fantastic fraud risk team while supporting everyone’s personal and professional development., • You have strong experience leading fraud strategy and risk teams, ideally in a fast‑moving, regulated environment., • You know UK & EU fraud regulations inside out., • You’re skilled at building tech‑driven fraud strategies that scale across operations., • You have a proven track record of delivering end‑to‑end projects and large‑scale change programs., • You stay plugged into industry trends and can quickly respond to new fraud risks. #J-18808-Ljbffr

ð 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. Apply promptly! A high volume of applicants is expected for the role as detailed below, do not wait to send your CV. 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 ðLondon or Remote (UK) | ð79,000, • 93,000 + Incentive Awards tied to your performance + BenefitsAbout 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 provides independent oversight and challenge to our model development teams in the first line of defence. We help Monzo grow safely and make sure the models we use are fit for purpose, appropriately governed and deliver good outcomes for our customers. You’ll join our validation squad and provide expert independent validation and oversight across a broad suite of credit models.This is a generalist role rather than one focused on a particular model type. You’ll work across models used for impairment, capital, stress testing, forecasting and credit decisioning, including IFRS 9 PD, LGD, EAD and economic response models; decision science scorecards and origination PD models; and Net Present Value (NPV) / unit economics models.Strong data and analytical skills are a must, as is broad expertise in credit risk modelling and model risk management. You’ll have hands-on experience in model validation and/or development within financial services, and be comfortable getting into the data and code to form an independent view across different model types.Your day-to-day Leading hands-on independent validation across Monzo’s credit model portfolio • covering models used for IFRS 9 impairment, capital and stress testing, forecasting, credit decisioning and unit economics, • and making sure they are fit for purpose, appropriately governed and performing as expectedReviewing and challenging key model-led credit risk assessments, including impairment adequacy, ICAAP and stress testing, using independent analysis to assess assumptions, limitations and impactsDeveloping a deep understanding of Monzo’s credit models and how they are used, and using this to provide impactful input and challenge to model developers and usersContributing to making model validation more consistent, scalable and technology-enabled, • building reusable analytical tools and tests, experimenting with AI-assisted approaches and helping the team embed them safelyReviewing 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 requiredPerforming statistical analyses, model replication and challenger work where appropriate to test assumptions, assess performance and strengthen validation conclusionsImproving and helping to embed our Model Risk Framework, including our policies, standards, model inventory, governance and validation approach. This means making sure we follow up-to-date regulatory expectations and that our processes remain proportionate and relevant as modelling techniques evolveWriting clear and impactful model validation reports, and presenting the findings and actions in relevant committeesPartnering with colleagues in first line of defence credit strategy, modelling and finance teams • and with wider risk teams across Monzo, • to support effective model governance and consistent validation standards across the organisationYou should apply if you:Have a strong background and practical experience in credit model development and/or validation across a range of model types. You’ll have meaningful experience with IFRS 9 impairment, Internal Ratings Based (IRB) or other capital models, alongside broader exposure to several areas such as stress testing, economic response, forecasting, decision science scorecards or NPV / unit economics modellingUnderstand model risk management in practice, including independent validation, model governance, ongoing monitoring, model change and issue management, and how regulatory expectations apply across the model lifecycleAre impact-driven and want to improve how validation is done, not only complete individual reviews. You can turn repeatable work into practical methods, tools or guidance that improve quality and consistency across the team.Are curious about AI and automation, and can assess where they add value, the risks they introduce, and the controls and human oversight needed. Experience with AI-assisted analytical or coding tools is useful, but not essentialAre data driven, with strong analytical skills and deep knowledge of statistical techniques for credit and model risk. Strong SQL and Python skills are essential. You can produce clear, reusable and tested code, using collaborative practices such as version control, peer review and documentation. Experience with Tableau, Looker or similar is a plus.Can assess models in the context of how they are used • including accounting, capital, credit strategy, risk appetite and customer outcomes, • and can distinguish technical model performance from the wider risks of relying on the modelHave 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-expertsHave a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challengeOur technology stackWe 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 infrastructuredbt and BigQuery SQL for our data modelling and warehousingPython for data science and machine learningGo to write our application codeAWS for most of our backend infrastructureThe interview process:Our interview process usually involves up to four main stages via Google Meet: An initial call with our recruiterA call with our Senior Model Validation Manager, the hiring manager for the role A role-specific call with colleagues from our credit modelling and model risk 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 interviewð What’s in it for youð 79,000 • 93,000 + Incentive Awards tied to your performance benefits.ð 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.ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ 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!#LI-TK1Equal opportunities for everyoneDiversity 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

ð 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. Learn more about the general tasks related to this opportunity below, as well as required skills. 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 ðLondon/Cardiff/UK Remote | ð 138,000 to 176,000 + Incentive Awards tied to your performance +benefits | Hear from the teamAbout the roleBorrowing is one of Monzo’s most important growth engines. We’ve built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe.We’re looking for a senior ML leader to help shape that next phase.You’ll lead a high-calibre team of ML scientists and help define Borrowing’s ML roadmap across UK growth, new customer segments, and EU expansion. You’ll work across underwriting, pricing, limits, and lifecycle decisioning — improving today’s models while helping build the next generation of capability for Monzo.This role combines near-term commercial impact with long-term strategic advantage:improving performance across our range of productsunlocking new data and faster model developmenthelping Monzo build underwriting that scales into new marketsshaping how advanced ML and AI can create real value in BorrowingYou’ll partner closely with leaders across Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, and influence decisions that shape both business performance and the long-term architecture of credit decisioning at Monzo. What you’ll ownBorrowing ML roadmaps across UK optimisation, new customer segments, and EU expansionFaster model improvement through new data and feature engineeringHow Monzo uses Open Banking, transaction intelligence, and external data in credit decisioningMore portable underwriting capabilities across products, customer segments, and marketsHiring, leading, and developing a high-performing ML teamRaising the bar on model quality, governance, tooling, and speed of iterationWhat you’ll be working onExamples of the challenges you could help lead:Improving underwriting models across Loans, Flex, and OverdraftsExpand the data we use in our modelsBuilding better feature engineering and model shipping capabilityImproving transaction intelligence for credit use casesDeveloping underwriting capabilities for new customer segments and EU marketsShaping Monzo’s approach to advanced ML and AIOur technology stackWe rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them:Google Cloud PlatformBigQuery SQL and dbtPython and the PyData stackGoogle AI PlatformAWSPython for ML servicesGo for backend servicesAI tooling for productivityGoogle Workspace including GeminiChatGPT EnterpriseClaude CodeYou should apply ifYou want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechsYou enjoy combining strategic leadership with strong technical judgmentYou’re excited by the intersection of underwriting, data, product, and platform capabilityYou like building teams as much as building modelsYou care about real customer and business impactYou must haveCredit and machine learningStrong knowledge of machine learning, statistics, and decisioning systemsDeep experience in credit risk and lendingExperience building, deploying, and iterating credit models in productionExperience pushing the innovation frontiers of the credit industryLeadership and deliveryExperience leading and developing senior ML scientistsStrong cross-functional leadership with Product, Credit Strategy, Engineering, and ValidationTrack record of turning strategy into practical delivery in a regulated environmentIt would be great if you also haveExperience across more than one marketExperience with advanced ML methods and AI on structured financial dataThe interview process30 min Recruiter Call45 min Initial Call60 min ML technical interview60 min People Leadership interview60 min Product / Credit ML interviewAll interviews will be conducted through Google Meet.What’s in it for youð 138,000 to 176,000 plus stock options & benefits We can help you relocate to the UK We can sponsor visasðThis role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London.ð¡ We’ll set you up to work from home, including support for remote setups. We offer flexible working hours and trust you to work in a way that lets you do your best work.ð Learning budget for books, training courses and conferences And much more — see our full list of benefits here#LI-DC2 #LI-RemoteEqual opportunities for everyoneDiversity 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

Digital Marketing Executive Placement Programme – No experience needed From £27,000 to £60,000 per annum Trainee Digital Marketing Executive – £27,000–£60,000 – Job Programme This is a self-funded programme that leads to employment, fees apply. Job Guarantee Complete the programme and get a job, or get your course fees back. Location: UK Wide (Remote Opportunities Available) Looking to start a career in Digital Marketing? We are offering a structured pathway into Digital Marketing, designed to help you enter the industry with no prior experience. This opportunity includes training, support, and access to our specialised recruitment support for job roles across the UK. No prior experience required. Train online at your own pace and become job-ready in as little as a few weeks. Our programme includes: Industry-leading Digital Marketing qualification from DMI Training across SEO, PPC, social media, content, and email marketing Practical assessments to build your marketing portfolio Professional CV and LinkedIn support Interview preparation Dedicated recruitment support until placed Personalised 1-1 tutor support Flexible, affordable, achievable To make things easier, we offer flexible payment options, allowing you to spread the cost of your training over 12 months so you can get qualified without financial pressure. Salary expectations: Digital Marketing Assistant: £27,000 – £35,000 Digital Marketing Executive: £35,000 – £45,000 Progression into senior marketing roles with higher earning potential We support you into employment We focus on outcomes, not just training. ITOL Recruit has over 15 years of experience supporting candidates into roles across digital marketing, content, and performance marketing roles. From the beginning of your journey to the end, you are supported by qualified tutors, and at the end, our specialised recruitment team helps you secure your first job role. Important: Money-back guarantee applies to candidates who complete and pass all required qualifications, meet programme requirements, and actively engage with the recruitment process. If you do not secure a role within 12 months, you will receive a refund. Full T&Cs available on request. Apply now to get started. TPBN1_UKTJ

ð 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. Please read the information in this job post thoroughly to understand exactly what is expected of potential candidates. 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 ðLondon or UK remote | ð 100,000 to 130,000 + Incentive Awards tied to your performance + Benefits | Technology, • DataAbout us: We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.About our Financial Crime Data Team:As we continue to scale, we’re looking for a Data Science Manager to lead one of our key product areas for Financial Crime.As a Data science manager, you’ll be working in an ever changing environment work in collaboration with Product, Risk and Engineering peers and champion the data strategy and lead a cross-functional team.You’ll help us build and improve these for now and for our future roadmap. We’re looking for a leader with hands-on experience, data driven strategic leader who can bring fresh thinking and new ways to inspire the team and our customersWhat you’ll be working on:You’ll work closely with the Product Managers, engineers, and Financial Crime control owners in an agile product environment. You’ll champion the use of data, bring ideas to life through a rigorous analytical approach. Your work will focus on improving our efforts in financial crime detection, prevention and mitigation, ensuring we stay ahead of emerging threats and regulatory requirements.You’ll help your team grow, hiring new team members, supporting their personal development. You will manage a team with Data Scientists and Data Analysts, working together with Analytics Engineers to drive product innovation and you’ll get to see the impact of all your work in the product changes we make.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. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data folk the head space to focus on more impactful business questions and analyses.Your day-to-day Be a key leader in building a discipline of exceptional data scientists and analysts working on making Monzo world class at detecting and fighting financial crime activityHelp hire, develop and retain talented Data peopleGenerate insights that can change the direction of our financial crime strategyBring data leadership and rigour to our approach to product development and build a strategic understanding of the business while structuring complex projects to bring them to lifeLiaise with risk, product and engineering managers to keep making sure we collect the right data to produce relevant business insightsYou should apply if:What we’re doing here at Monzo excites you!You must have at least 4 years of experience as a Data Science Manager- at least 2 of them managing a data team larger than 4 peopleYou are a strong strategic data leader and love to drive decisionsStrong experience with working with executive or C-level peers, managing stakeholders across levels of seniorities and disciplinesYou know what it takes to manage top tier Data talentYou’re excited by the opportunity to work autonomously to impact the future of a fast growing, ever evolving businessYou're familiar with using a variety of Data Science tools (from business intelligence, experimentation and causal inference through to machine learning), and coding languages (Python and SQL). You know when to pick the right tool, and can help others do the sameExperience in financial crime, fraud detection, or similar areas (Trust & Safety, Integrity, Security) is a plus.The Interview Process:Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!30 minute recruiter call 45 minute call with hiring manager 3 x 1-hour video calls with various team membersOur average process takes around 3-4 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 but if you do have any specific questions ahead of this please contact us on ’s in it for you: We can help you relocate to the UK We can sponsor visasðThis 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.ðLearning budget of 1,000 a year for books, training courses and conferencesAnd much more, see our full list of benefits here#LI-NB2 #LI-RemoteEqual opportunities for everyoneDiversity 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

ð 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. Candidates should take the time to read all the elements of this job advert carefully Please make your application promptly. 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 ðLondon or Remote (UK) | ð 79,000, • 93,000 + Incentive Awards tied to your performance + Benefitsð 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. ð 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 expectedSupporting oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response modelsDeveloping deep understanding of Monzo’s credit models, and using this to provide impactful input and challenge to model developers to improve our modelling capabilitiesReviewing 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 requiredPerforming statistical analyses to independently assess model performance, including developing challenger models where appropriate to test model assumptions and strengthen validation conclusionsImproving 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 evolveWriting clear and impactful model validation reports, and presenting the findings and actions in relevant committeesPartnering 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 organisationEmbracing new and innovative technology, including leading the adoption of AI tools to enhance our model validation approach ð 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 modellingAre 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 outcomesHave 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-expertsHave a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challengeAre impact-driven, and proactive in identifying issues and opportunities to improve outcomes for both our customers and our businessAre passionate about technology, and what we’re doing here at Monzo excites you!Our technology stackWe 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 infrastructuredbt and BigQuery SQL for our data modelling and warehousingPython for data science and machine learningGo to write our application codeAWS for most of our backend infrastructureThe interview process: Our interview process usually involves up to four main stages via Google Hangouts: An initial call with our recruiterA 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 ð What’s in it for youð 79,000 • 93,000 + Incentive Awards tied to your performance benefits.ð 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.ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ 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-TK1Equal opportunities for everyoneDiversity 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

ð 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 ️Senior Financial Control AnalystðLondon/Cardiff | ð56,000 - 75,000 + Incentive Awards tied to your performance + Benefits Our Financial Control Team:Monzo is growing fast - new products, new markets and new locations. As we expand we need to make sure we can support our businesses and control our processes, so we are growing our team to meet these exciting new challenges!Our team sits within Monzo’s Finance collective and our job is getting the numbers right. We’re currently a team of seven qualified accountants, split between our Cardiff and London offices, and we ensure the ledger’s correct at every month-end. We work closely with all areas of Finance and the product teams to make that happen.ð You’ll play a key role by… We're looking for a proactive, enthusiastic and commercially-minded accountant to work on our financial accounting, and help us build a world-class finance function. This role would be well suited to a qualified accountant with 2+ years of post-qualification experience.We have some really exciting challenges under way like making sure we maximise our new SAP S4/HANA general ledger, expanding into the European Union, pushing forward with our automation plans, continuing to grow our customer base, growing our lending business and adding to our marketplace. You’ll work on scaling Monzo in a controlled way, while helping us optimise our financial control processes with the help of technology. You’ll report to our Financial Control Manager.Your day-to-day:Manage a tight process with the rest of our internal Finance team to ensure a swift month-end close process and group consolidation.Understand the business and our products to write insightful management commentary.Understand our accounting systems and make sure we are taking advantage of all features we can to minimise manual elements of reporting.Embrace the opportunity to improve and transform processes, driving incremental improvements through to adoption of AI.Learn SQL skills to run reports and propose solutions that make our processes efficient and scalable.Support our year end process working with external auditors and our Financial Reporting squad.Help review new products, assessing the accounting and implementing them in our banking platform and accounting system.Work with the business to assess the impact of changes in accounting standards and make proposals on accounting policy matters for new products launched.Help maintain the integrity of our chart of accounts and financial static data.Resolve miscellaneous inquiries and support the overall finance team wherever needed - from forecasting and valuations, to bank transfers, transfer pricing and tax policy research!ð We’d love to hear from you if…You’re a qualified accountant with a few years’ post-qualification experience, ideally in financial reporting/controlling teams and working in a retail banking environmentYou have a strong understanding of technical accounting standardsYou have a great eye for detailYou’re fascinated by the banking and regulatory landscape, and have a good understanding of key financial controlsYou’re a self-starter and enjoy tackling what needs doing, whether it’s making a bank transfer or pulling together reports for investorsYou’re comfortable translating complex information into simple words for people with diverse backgroundsYou’re interested in using data (SQL skills would be a bonus)You embrace change and are motivated to improve and innovate processYou thrive in a dynamic and constantly evolving environmentWhat we’re doing at Monzo excites you!ð What’s in it for youð56,000 - 75,000 Incentive Awards tied to your performance.ðThis role can be based in our London or Cardiff 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. ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ 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.ð The application journey has 4 key stepsRecruiter Screening Conversation Initial HM Interview Role Specific Interview Behavioural Interview This process should take around 3-4 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.#LI-TP1Equal opportunities for everyoneDiversity 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 ð

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. 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, Cardiff or Distributed | Dependant on experience + Incentive Awards tied to your performance + Benefits | Hear from the team We're looking for an experienced, hands-on and enthusiastic Senior Director of Global Tax to lead the Global Tax team at Monzo, and our wider finance team. You'll be leading our growing Tax team of 10+ individuals, and will be reporting into the Group Financial Controller (with a close partnership with the MBL Chief Financial Officer and wider Executive team). A large part of the role involves advising on the tax implications of all new business developments, ensuring we're both set up for compliance and optimised wherever possible and appropriate. Given the stage Monzo is currently at in its growth journey, these will be many and wide ranging, from customer products to treasury strategies, group reorgs to mobility proposals, systems implementations to international expansion. • Global tax strategy: Defining how Monzo approaches tax across the UK, Europe, and future markets. You will set our tax risk appetite and prepare reporting for our Audit and Risk Committee., • International expansion: Structuring cross-border expansion across Europe and future regions, advising on market-entry structures, permanent establishment risks, and local compliance., • Transfer pricing: Establishing, documenting, and defending our global transfer pricing strategy and intragroup financing arrangements., • Total tax ownership: Overseeing group Direct Tax, Indirect Tax (VAT), Employment Tax, Transfer Pricing, and Operational Customer Taxes across all locations., • Tax authority relationships: Acting as the primary liaison with HMRC and international tax authorities, proactively managing tax audits, and overseeing statutory regimes including Senior Accounting Officer compliance., • Product and commercial advisory: Working directly with product managers, engineers, and treasury to understand what they want to build (from savings pots to complex lending products) and ensuring the tax treatment is clear from day one., • Leading the team: Mentoring and leading our tax team, fostering a culture of technical excellence, autonomy, and commercial focus., • AI and automation: Designing a tech-enabled tax operating model that embeds AI, workflow tools, and automation across our compliance, reconciliations, and contract reviews; scaling our output as volumes grow while keeping the team focused on high-judgement strategic work., • You’re a qualified tax professional or accountant (CTA, ACA, ACCA, ADIT, or international equivalent)., • You’ve led an in-house tax team at scale, ideally within banking, fintech, or a regulated multinational., • You’re an empathetic, effective people leader with a strong track record of coaching individuals and fostering a positive, high-performing environment., • You bring practical experience with cross-border tax issues, international structuring, and transfer pricing., • You understand operational and customer taxes common to financial services (such as FATCA/CRS, withholding taxes, and interest reporting)., • You are excited by modern technology, data, and AI, with a clear view on how tools can automate workflows, reduce human error, and modernise routine tax tasks., • You can explain complex tax positions to non-tax stakeholders, including product leads, commercial teams, and auditors., • You’re comfortable with ambiguity: we move fast, build things that haven’t been built before, and you’ll frequently make calls without a standard blueprint., • What we’re doing at Monzo excites you! Dependant on experience + Incentive Awards tied to your performance This role can be based in our London or Cardiff offices. We're also open to distributed working within the UK (with the expectation of some travel to our London office). 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. 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. #J-18808-Ljbffr

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