Jobs at Monzo Bank

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

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

Produce and improve regulatory liquidity, capital, and disclosure reports, including LCR, NSFR, PRA110, ALMM, and Pillar 3 reporting. Maintain robust controls, document regulatory interpretations, ensure timely and accurate submissions, and support internal governance. Build dashboards using data visualization tools, identify useful insights, and automate recurring reporting processes while collaborating across the business.

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

Own the roadmap and delivery of Monzo’s internal controls and risk product platform. Build low-code prototypes, automated workflows, API integrations, AI-enabled tools, and real-time risk monitoring. Lead adoption across risk teams, guide two data and automation specialists, and partner with Product, Engineering, Data, Operations, and Risk stakeholders to replace manual control processes with scalable self-service solutions.

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

Lead product-focused data science work: run quantitative analyses and large-scale A/B tests, enable product teams with measurement, drive lifetime value analysis with finance, and partner with engineers to ensure correct data collection and actionable insights.

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

Data science intern working on real customer projects involving data wrangling, analysis, predictive modeling, visualization, and product insights. The role uses Python, SQL, Looker, and spreadsheets to transform raw data into customer stories and support data-driven product decisions. Interns collaborate with Data teams, learn commercial and product analytics, and complete a full-time 12-week hybrid internship in London.

Software engineering interns will design, write, test, review, and ship code supporting customer features. They will collaborate with product managers, designers, data analysts, and experienced engineers while learning new technologies and engineering practices. Interns will work on a real customer project, receive mentorship, seek feedback, and contribute to Monzo’s banking platform during a minimum 12-week summer internship.

Own Monzo’s global transfer pricing operations, policies, calculations, documentation, and intercompany agreements. Lead Master Files, Local Files, and Country-by-Country Reporting across jurisdictions; advise Finance, Legal, Treasury, Product, and business stakeholders; support international expansion and cross-border structuring; and manage transfer pricing tax authority enquiries and audits. The role requires a qualified accountant or tax advisor with strong transfer pricing expertise and the ability to work independently in a fast-paced fintech environment.

Lead complex, company-wide technical programmes across Operations, product, engineering, risk, compliance, and senior leadership. Responsibilities include defining roadmaps, milestones, priorities, dependencies, and risks; removing blockers; driving technical and organizational change; improving operational effectiveness; and ensuring adoption and measurable outcomes across multiple teams and markets.

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

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

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

Lead a content-scaling programme, build and deploy governed AI agents, integrate AI into the marketing technology stack, evaluate creative AI tools, and run marketing technology RFPs. The role also champions AI adoption across the business while ensuring data protection, compliance, human oversight, and effective stakeholder coordination in a regulated financial-services environment.

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

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

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

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