Jobs at Monzo Bank

Lead and execute EU affiliate strategy for Personal and Business Banking. Manage affiliate partners, campaign lifecycle, tracking (Impact and API), commercial negotiations, budgeting, regulatory compliance, performance analysis, and cross-functional stakeholder relationships to drive customer acquisition and scalable growth.

The Backend Engineer III will collaborate with cross-functional teams to design and build parts of Monzo's banking platform using technologies like Go and Kubernetes, focusing on customer outcomes and resilient software.

Lead Monzo's global FX strategy, building an automated execution environment and scalable multi-entity FX framework. Manage FX risk and hedging (spot, forwards, swaps, NDFs), cultivate liquidity provider relationships, optimise capital efficiency, and partner with Product, Engineering and Data to enable new FX products and revenue streams while maintaining strong controls and policies.

Develop cross-channel content strategies for web, app and customer communications to support product launches, market expansion and adoption. Partner with Product, Marketing, Design and Editorial to map journeys, close content gaps, create playbooks, and run experiments. Champion web as a launch channel, incorporate SEO and AI search insights, and measure content impact to drive customer and business outcomes.

Lead development and deployment of advanced ML models to detect financial crime, minimise false positives and operational cost, adapt to evolving fraud trends, scale solutions globally, collaborate across engineering, product and risk, and demonstrate measurable production impact.

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

The Product Director will lead the Flex product’s growth, set strategy, drive performance, ensure customer satisfaction, and lead a team of Product Managers.

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

Provide high-touch support to senior leaders: manage complex calendars and priorities, drive leadership effectiveness, lead projects and offsites, surface risks, prepare meeting materials, handle confidential information, build cross-functional relationships, and improve EA processes and tools to enable leaders to focus on high-impact work.

Second-line oversight of Treasury Markets' £9.5bn investment portfolio: monitor wholesale credit, market and liquidity risk; write independent credit assessments; stress-test ABS/CLOs; review collateral and ALM inputs; ensure controls and contribute 2LoD opinions and forum reporting.

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

Own preparation, analysis and submission of capital and liquidity regulatory reports. Ensure compliance, high data quality and controls, build dashboards, investigate data issues, automate reporting processes, and partner with internal teams on regulatory and product changes.

Lead technical ML efforts to detect and prevent financial crime by designing, developing and shipping production deep learning, graph and sequence models. Provide IC technical leadership, mentor peers, work with product, engineering and MLOps to iterate models on a cloud-native platform, and measure production impact while minimising false positives and operational costs.

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

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

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

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

The Senior Product Marketing Manager will shape global propositions for Monzo's Borrowing products, lead product launch strategies, and collaborate with cross-functional teams to ensure market success and compliance with regulatory requirements.

Lead portfolio management for a growing unsecured lending product (Flex), building forecasting and monitoring frameworks, risk-based pricing, lifecycle engagement and loss-mitigation strategies. Manage and grow a team of credit analysts, collaborate across product squads, and partner with Legal, Compliance and 2nd Line Risk to scale the portfolio safely while driving commercial outcomes.

Build, maintain and improve Monzo's cloud infrastructure and platform services. Run and manage Kubernetes clusters, service mesh and networking across AWS and GCP, implement Infrastructure as Code with Terraform, and develop backend services (APIs/controllers) to provide self-service tooling, support migrations, ensure scalability, reliability and a great developer experience.