Jobs at Monzo Bank

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

The Third Party Risk Manager will integrate Habito into Monzo's risk management framework, ensuring effective processes and compliance with regulations.

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

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

Build and optimise downstream data pipelines and models (mostly in BigQuery) to support reporting, ML, financial and regulatory use cases. Define and apply data warehouse best practices, improve data quality, reduce complexity and cost, and support BI (Looker) and analytics consumers across the business.

Partner with Payments leadership to manage P&L and balance sheet, build business cases, analyse product and market performance, drive commercial projects, forecast and report results, design processes, and mentor financial analysts to support strategic financial decision-making.

As a Senior Product Manager, you'll lead cross-functional teams to deliver customer strategies, enhance the app experience, and align with product goals at Monzo.

Lead and build the credit risk function for Monzo Business Borrowing: design and iterate credit and pricing strategies, improve underwriting and automated decisioning, support new product launches, manage credit analysts and collaborate across product, engineering, marketing and risk to build profitable lending portfolios.

Lead Monzo's partnerships strategy across subscriptions, rewards and customer propositions. Build and negotiate strategic commercial relationships with major consumer brands, using data to evaluate performance. Partner with Product, Marketing, Legal, Compliance and Finance to embed partnerships in customer journeys. Hire, develop and scale a high-performing partnerships team and governance model.

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

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

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

Build and operate ML platform systems that enable teams to train, evaluate, deploy and serve models. Work on backend services, Python libraries, model lifecycle tooling, evaluation workflows and low‑latency serving using Go/Python, Kubernetes and cloud infrastructure, prioritizing reliability, observability, safety and developer experience.

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

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

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

The Engineering Manager at Monzo will lead and develop autonomous teams, focusing on technical excellence, delivery outcomes, and fostering an inclusive environment for engineers, collaborating closely with Product Managers.

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

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

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