[{"_1":2,"_3":-5,"_4":-5},"loaderData",{"_5":6,"_7":8},"actionData","errors","root",{"_18":647,"_648":-7,"_649":650,"_651":-5},"routes/companies.$slug",{"_9":10,"_11":12},"company",{"_65":85,"_71":644,"_67":86,"_69":87,"_16":645,"_22":646},"search",["SingleFetchClassInstance",13],{"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":23,"_25":26,"_27":28,"_29":30,"_31":32,"_33":-5,"_34":35},"title","","description",{"_642":-5,"_643":-5},"meta",{"_14":15,"_16":15},"parameters",{},"url","https://jobsfordevelopers.com/companies/monzo-com","canonical","index",true,"order",{"_640":65,"_641":65},"items",[44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63],"pagination",{"_36":37,"_38":39,"_40":41,"_42":43},"filter","suggestions",[],"total",141,"perPage",20,"currentPage",1,"lastPage",8,["SingleFetchClassInstance",616],["SingleFetchClassInstance",587],["SingleFetchClassInstance",563],["SingleFetchClassInstance",537],["SingleFetchClassInstance",511],["SingleFetchClassInstance",488],["SingleFetchClassInstance",468],["SingleFetchClassInstance",440],["SingleFetchClassInstance",424],["SingleFetchClassInstance",408],["SingleFetchClassInstance",378],["SingleFetchClassInstance",364],["SingleFetchClassInstance",345],["SingleFetchClassInstance",315],["SingleFetchClassInstance",277],["SingleFetchClassInstance",243],["SingleFetchClassInstance",177],["SingleFetchClassInstance",157],["SingleFetchClassInstance",124],["SingleFetchClassInstance",64],{"_65":66,"_67":68,"_69":70,"_71":72,"_16":73,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":79,"_80":81,"_82":83,"_9":84},"id","9f81e2fb-035f-40ea-b4bb-472b8a123fb7","name","Senior Forecasting Modeller","slug","senior-forecasting-modeller-at-monzo-com-apr-13-2026-e60d9b","type","full_time","

🚀 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 | 💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing

Our Capital, Impairments & Forecasting Team

Our Capital, Impairments & Forecasting team (CIF) sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.

Within CIF, we are scaling up our Forecasting modelling and execution team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of forecasting and stress testing models across both well established and emerging products. Additionally the successful individual will have a key role in executing these models across high profile budgeting & stress-test exercises and building up our toolkit to quantify the impact of various strategic decisions for senior management.

Strong data and analytical skills are a must, as is experience in credit risk modelling. Prior experience developing credit risk forecasting models is desirable, but relevant model development / validation experience in IRB modelling, IFRS9 or scorecard models will also be considered. Experience as a ‘model user’ of forecasting models in the context of budgeting or stress-testing would be helpful but is not required.

We 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 infrastructure
dbt and BigQuery SQL for our data modelling and warehousing
Python for data science and predictive modelling, model implementation and data visualisation (via streamlit)
Github for version control

Your day-to-day responsibilities:

Assist with continuous improvement of forecasting models via new developments or recalibrations.
Construction of grounded overlays, where required, to quantify effects of future strategy changes or address known model limitations
Furthering the development and execution of forecast model monitoring to inform an effective prioritisation of model improvements
Presenting forecast model results to senior management
Close collaboration with portfolio strategy, model validation, finance and external audit teams

You should apply if:

You have a background in forecast modelling or execution
You have relevant experience in the development and implementation of credit models (e.g IFRS9 / Forecasting / IRB)
You have strong analytical skills and a track record of using these to deliver technical projects
You have a solid technical toolkit. SQL and Python are our desired coding languages but experience in SAS/R will be considered. A data visualisation tool (such as Streamlit or Looker) is a plus
You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
You're a team player whom your colleagues can rely on

The Interview Process:

Our interview process involves 4 main stages:

Initial call with a member of the Forecasting team
Technical modelling interview
Values and collaboration behavioural interview
A live case study problem solving interview

Our average process takes around 3-4 weeks but we will always work around your availability.

What’s in it for you:

💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits

📍 London (one to two days a week)

✈️ We can help you relocate to the UK

✅ We can sponsor visas

⏰ 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

#LI-LG1 #LI-Remote

Equal opportunities for everyone

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, 2024 Diversity and Inclusion Report and 2024 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 😊

","salaryMinimum","salaryMaximum","salaryCurrency","salarySource","createdAt",["D",1776100345000],"closedAt",["D",1786196376889],"tags",[88,89,90,91,92],{"_65":85,"_67":86,"_69":87},"2617a0ae-bf8e-4458-9418-4b1ffdad0726","Monzo","monzo-com",{"_93":117,"_95":118},{"_93":112,"_95":113},{"_93":105,"_95":106},{"_93":101,"_95":96},{"_93":94,"_95":96},"tag",{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},"priority",2600,"354bfecf-0ce7-40a2-8968-e62ece003ed6","skill","SQL","sql",{"_65":102,"_71":98,"_67":103,"_69":104,"_95":96},"43d80ea4-4b5f-4f07-ac06-d6f8f0296738","GCP","gcp",{"_65":107,"_71":108,"_67":109,"_69":110,"_95":111},6000,"23e976bc-f7cb-49f4-9a44-874330740fab","position","Senior Engineer","senior-engineer",1000,{"_65":114,"_71":98,"_67":115,"_69":116,"_95":113},2000,"25cdd626-f8e7-4522-84b2-72f8943842f1","Python","python",{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},0,"36210849-947a-4daa-bc80-ee7c1b860cb7","location","London, United Kingdom","london-united-kingdom",4000,{"_65":125,"_67":126,"_69":127,"_71":72,"_16":128,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":129,"_80":130,"_82":131,"_9":132},"fc4e5c9f-b993-471d-876e-b4eb5ded1df9","Lead Analytics Engineer, Borrowing","lead-analytics-engineer-borrowing-at-monzo-com-may-1-2026-ff9211","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London, Cardiff or Remote in the UK | 💰 £97,800 -125,000 + Benefits | Hear from the team ✨

⭐Our Borrowing Analytics Engineering Team:

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them 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. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely.

We're looking for a Lead Analytics Engineer within our borrowing team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms, identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new global markets, build new products and shape the future of how we serve our customers.

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.

🔑You’ll play a key role by...

Serving as a data architect for Monzo’s Borrowing data, contributing to the design and scalability of data models that measure the performance of our product suite.
Develop robust data models downstream of backend services, primarily in BigQuery, to support internal reporting, machine learning, large language models, as well as financial and regulatory use cases.
Be a key voice in shaping and maintaining best practices for our Data Warehouse, including source data payload design, logical data modelling, implementation, metadata, and testing standards.
Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
Contribute to prioritising data governance issues, ensuring a comprehensive approach to data integrity and compliance.
Being a key technical leader who’s able to champion central platform initiatives that aim to elevate the data standards across Borrowing and beyond.

🤩We’d love to hear from you :

You have a strong passion for data modelling, ETL projects, and Big Data.
You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
You have experience building robust and reliable data sets that require a high level of control.
You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Borrowing and Analytics Engineering.
Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

The interview process:

Our interview process involves 4 main stages:

Recruiter call
Initial call
Technical task
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:

💰 £97,800-£125,000 base + Benefits

✈️ We can help you relocate to the UK

✅ We 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 conferences

➕ And much more, see our full list of benefits here

#LI-AS #LI-Remote

Equal opportunities for everyone

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1777637920000],["D",1786196376889],[133,134,135,136,137,138],{"_65":85,"_67":86,"_69":87},{"_93":153,"_95":118},{"_93":149,"_95":106},{"_93":148,"_95":96},{"_93":144,"_95":118},{"_93":143,"_95":118},{"_93":139,"_95":118},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},"2211281e-38cd-41cd-aa94-612cda44a227","United Kingdom","united-kingdom",{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},"2c9955be-a7ab-4767-a0c1-1490be2ff3ea","Cardiff, United Kingdom","cardiff-united-kingdom",{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":150,"_71":108,"_67":151,"_69":152,"_95":111},"96453d2d-bb8a-45f9-8b71-8dc588d40bb4","Tech Lead","tech-lead",{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},"d8b0d9a7-9b6e-4943-a5d1-8273052b854d","Remote","remote",{"_65":158,"_67":159,"_69":160,"_71":72,"_16":161,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":162,"_80":163,"_82":164,"_9":165},"5f1946ad-81bf-4a8e-abf9-015442b414ae","Machine Learning Manager, Fincrime","machine-learning-manager-fincrime-at-monzo-com-jul-21-2026-6c924c","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London/Cardiff/UK Remote | 💰 £113,200 - £153,200 + Incentive Awards tied to your performance + Benefits ✨

Our Financial Crime and Fraud Team ⭐

Financial crime causes real harm. In Fraud, we build controls that help protect customers from scams, stolen-card fraud, account takeover and other fast-changing threats, all while keeping Monzo smooth and fair for the millions of people who use us every day.

Machine Learning is central to that work. Our ML specialists build, ship and improve models that help us spot risk, make better decisions, and keep our customers safe. We work closely with Product, Risk Partners, Engineering, Data and other disciplines to turn ambiguous fraud problems into reliable controls that make a measurable difference for customers.

We’re looking for a Machine Learning Manager to lead ML specialists across different levels of seniority in the Fraud group. You’ll report to the Senior ML Manager for the FinCrime Collective, and you’ll help the team deliver high-impact ML systems while growing a healthy, inclusive and high-performing team.

🔑 You’ll play a key role by…

Managing, coaching and developing a team of Machine Learning specialists, helping them do the best work of their careers through regular 1:1s, clear feedback and thoughtful development plans.
Helping the Fraud group focus ML effort on the highest-impact problems, balancing customer protection, regulatory expectations, operational impact and delivery pace.
Partnering with PMs, Risk Partners, Engineering Managers, Data Managers and senior ML/Data colleagues to shape roadmaps, unblock delivery and make clear trade-offs.
Creating the conditions for high-quality ML delivery: reliable model development, deployment, monitoring, governance, documentation and ownership across the full model lifecycle.
Holding a high bar for ML excellence in Fraud, including model performance, explainability, reproducibility, observability and safe operation in production.
Making sure ML products are owned, maintained and improved over time, rather than treated as one-off projects.
Building a strong team culture where people give and receive useful feedback, learn from each other, and work well with cross-functional partners.
Contributing to the wider Machine Learning and Data discipline at Monzo, including hiring, improving ways of working, and sharing patterns that help other teams move faster and more safely.

🤩 We’d love to hear from you if…

You’ve managed Machine Learning specialists and have delivered through others and want to move further into people management.
You have strong ML judgement and can guide teams through the full model lifecycle, from problem framing and feature/model development through to deployment, monitoring, governance and iteration.
You’re comfortable working in ambiguous, high-impact problem spaces where there often isn’t one “right” answer.
You can build trusted relationships with Product, Risk, Engineering, Data and senior stakeholders, and you know how to bring the right people into the right conversations early.
You focus on outcomes over process, and can help a team prioritise work that protects customers and moves the business forward.
You know what good looks like for production ML systems, and you can raise the bar through coaching, review, standards and pragmatic decision-making.
You communicate clearly with technical and non-technical audiences, especially when explaining trade-offs, risks and recommendations.
You care deeply about building inclusive teams where people with different levels of experience can grow, challenge each other, and do high-quality work sustainably.

Experience in fraud, financial crime, risk, regulated environments or customer protection would be a bonus, but it’s not the only way to be successful here. We’re most interested in your ability to lead ML work that has real-world impact.

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 that's listed just yet. Drop us your application, we’d love to hear from you!

🙌 What’s in it for you

💰 £113,200 - £153,200 + Incentive Awards tied to your performance.

✈️ We can 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, at times that suit you and your team.

📚 £1,000 learning budget each year to use on books, training courses and conferences.

🏡 We’ll set you up to work from home; all employees are given MacBooks and for fully remote workers we’ll provide extra support for your work-from-home setup.

➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 3 key steps

Recruiter call
Initial interview with ML/Data leadership, focused on your people leadership, ML judgement and delivery experience.
Loop stage, likely covering team and stakeholder leadership, technical ML judgement, and Monzo behaviours.

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.

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1784628428000],["D",1786759288159],[166,167,168,169],{"_65":85,"_67":86,"_69":87},{"_93":176,"_95":118},{"_93":175,"_95":118},{"_93":174,"_95":118},{"_93":170,"_95":106},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},"2e7ba426-631f-44c4-aebd-bceec96038dc","Machine Learning","machine-learning",{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":178,"_67":179,"_69":180,"_71":72,"_16":181,"_74":182,"_75":183,"_76":184,"_77":185,"_78":186,"_80":-5,"_82":187,"_9":188},"b9c25dad-7183-40b0-8ead-28f070c7b1ae","Backend Engineer III","backend-engineer-iii-at-monzo-com-feb-17-2025-aa9ed5","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

Hear from our team about what it's like working at Monzo ✨

📍London / UK Remote | 💰 Engineer III £75,000 - £105,000 + Benefits | Technology - Engineering |

About our Engineering Teams:

We have around 400 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-day

This 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.

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.

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. 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 storage
Kafka for our asynchronous message queue
Kubernetes and Docker to schedule and run our services
Envoy Proxy for RPC
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 coding exercise
Final interview: including a system design and a behavioural interview

Our average process takes around 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 tech-hiring@monzo.com

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:

💰 £75,000 - £105,000 base salary➕ plus stock options

✈️We can help you relocate to the UK

✅We 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 conferences

➕And much more, see our full list of benefits here

We're usually always hiring for Backend Engineers, so there's no closing date for this job.

#LI-Remote

#LI-HJ1

Equal opportunities for everyone

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, 2023 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",110000,265000,"USD","estimate",["D",1739785483000],[189,190,191,192,193,194,195,196,197,198,199,200,201],{"_65":85,"_67":86,"_69":87},{"_93":242,"_95":118},{"_93":241,"_95":118},{"_93":240,"_95":118},{"_93":236,"_95":96},{"_93":232,"_95":96},{"_93":228,"_95":113},{"_93":224,"_95":113},{"_93":220,"_95":96},{"_93":216,"_95":113},{"_93":212,"_95":96},{"_93":207,"_95":208},{"_93":206,"_95":96},{"_93":202,"_95":113},{"_65":203,"_71":98,"_67":204,"_69":205,"_95":113},"ff773669-9e99-434c-b891-e3a49967d479","Java","java",{"_65":102,"_71":98,"_67":103,"_69":104,"_95":96},{"_65":209,"_71":98,"_67":210,"_69":211,"_95":208},2100,"ba342ba8-3375-4688-9cc2-f16515289190","React","react",{"_65":213,"_71":98,"_67":214,"_69":215,"_95":96},"c360889c-9e29-470e-8571-e25076f72639","AWS","aws",{"_65":217,"_71":98,"_67":218,"_69":219,"_95":113},"464a7aeb-bf2d-4e98-86f3-2b63464e5288","C","c",{"_65":221,"_71":98,"_67":222,"_69":223,"_95":96},"67cdf69a-7fed-4cb9-a421-32627045f695","Docker","docker",{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},"6c5e2310-2ff4-4721-8d31-def370486ac1","Golang","golang",{"_65":229,"_71":98,"_67":230,"_69":231,"_95":113},"242b5f75-948b-4094-b927-ab35d2143af8","Scala","scala",{"_65":233,"_71":98,"_67":234,"_69":235,"_95":96},"cb161441-ae12-4e60-816d-b4ad5ad9bf11","Kubernetes","kubernetes",{"_65":237,"_71":98,"_67":238,"_69":239,"_95":96},"c2f5b77c-35f3-4a9a-a10e-8c2564ccee68","Kafka","kafka",{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":244,"_67":245,"_69":246,"_71":72,"_16":247,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":248,"_80":-5,"_82":249,"_9":250},"6b75dd43-7dea-4fb4-8929-18d207c0c6af","Staff Backend Engineer","staff-backend-engineer-at-monzo-com-dec-16-2025-864dec","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

Hear from our UK team about what it's like working at Monzo ✨

📍London / UK Remote | 💰 Staff Engineer (L60) £115,000 - £150,000 + Benefits | Technology - Engineering

About our Engineering Teams:

We have around 300 engineers out of roughly 2,500 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 storage
Kafka for our asynchronous message queue
Envoy Proxy for RPC
Kubernetes and Docker to schedule and run our services
AWS for most of our infrastructure
React for internal web dashboards
We also have two physical datacenter sites with actual cables to connect to various third parties

Your day-to-day

This 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). 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.

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 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 🍽️. 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. 🕒✨

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 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 Call
Take home task or pair coding exercise
Final interview including a system design and a behavioural interview

Our 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:

💰 £115,000 - £150,000 base salary ➕ plus stock options

✈️We 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 conferences

➕And much more, see our full list of benefits here

We're usually always hiring for Backend Engineers, so there's no closing date for this job.

#LI-Remote

#LI-HJ1

Equal opportunities for everyone

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1765901892000],[251,252,253,254,255,256,257,258,259,260,261,262,263],{"_65":85,"_67":86,"_69":87},{"_93":276,"_95":118},{"_93":275,"_95":118},{"_93":274,"_95":118},{"_93":273,"_95":118},{"_93":272,"_95":113},{"_93":271,"_95":96},{"_93":270,"_95":208},{"_93":269,"_95":96},{"_93":268,"_95":96},{"_93":267,"_95":113},{"_93":266,"_95":113},{"_93":265,"_95":113},{"_93":264,"_95":96},{"_65":221,"_71":98,"_67":222,"_69":223,"_95":96},{"_65":203,"_71":98,"_67":204,"_69":205,"_95":113},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":229,"_71":98,"_67":230,"_69":231,"_95":113},{"_65":213,"_71":98,"_67":214,"_69":215,"_95":96},{"_65":237,"_71":98,"_67":238,"_69":239,"_95":96},{"_65":209,"_71":98,"_67":210,"_69":211,"_95":208},{"_65":233,"_71":98,"_67":234,"_69":235,"_95":96},{"_65":217,"_71":98,"_67":218,"_69":219,"_95":113},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":278,"_67":279,"_69":280,"_71":72,"_16":281,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":282,"_80":-5,"_82":283,"_9":284},"90683d61-cda5-42d6-a225-1ccaa1021e3e","Senior Backend Engineer","senior-backend-engineer-at-monzo-com-dec-16-2025-500e36","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

Hear from our UK team about what it's like working at Monzo ✨

📍London / UK Remote | 💰 Senior Engineer (L50) £95,000 - £130,000 + Benefits | Technology - Engineering

About our Engineering Teams:

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-day

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.

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.

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 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 storage
Kafka for our asynchronous message queue
Kubernetes and Docker to schedule and run our services
Envoy Proxy for RPC
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 coding exercise
Final interview: including a system design and a behavioural interview

Our 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:

💰 £95,000 - £130,000 base salary➕ plus stock options

✈️We can help you relocate to the UK

✅We 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 conferences

➕And much more, see our full list of benefits here

We're usually always hiring for Backend Engineers, so there's no closing date for this job.

#LI-Remote

#LI-HJ1

Equal opportunities for everyone

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1765901892000],[285,286,287,288,289,290,291,292,293,294,295,296,297,298,299],{"_65":85,"_67":86,"_69":87},{"_93":314,"_95":118},{"_93":313,"_95":118},{"_93":312,"_95":118},{"_93":311,"_95":96},{"_93":310,"_95":106},{"_93":309,"_95":113},{"_93":308,"_95":96},{"_93":307,"_95":113},{"_93":306,"_95":113},{"_93":305,"_95":96},{"_93":304,"_95":118},{"_93":303,"_95":96},{"_93":302,"_95":113},{"_93":301,"_95":96},{"_93":300,"_95":208},{"_65":209,"_71":98,"_67":210,"_69":211,"_95":208},{"_65":233,"_71":98,"_67":234,"_69":235,"_95":96},{"_65":217,"_71":98,"_67":218,"_69":219,"_95":113},{"_65":237,"_71":98,"_67":238,"_69":239,"_95":96},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":221,"_71":98,"_67":222,"_69":223,"_95":96},{"_65":203,"_71":98,"_67":204,"_69":205,"_95":113},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":102,"_71":98,"_67":103,"_69":104,"_95":96},{"_65":229,"_71":98,"_67":230,"_69":231,"_95":113},{"_65":107,"_71":108,"_67":109,"_69":110,"_95":111},{"_65":213,"_71":98,"_67":214,"_69":215,"_95":96},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":316,"_67":317,"_69":318,"_71":72,"_16":319,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":320,"_80":-5,"_82":321,"_9":322},"5ff1809b-abf5-4787-9ae9-136cd89792df","Senior Machine Learning Scientist, Borrowing","senior-machine-learning-scientist-borrowing-at-monzo-com-mar-6-2026-bb9a6c","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London/Cardiff/UK Remote | 💰 £86,000-105,000 + Benefits | Hear from the team ✨

About us:

At Monzo we want to make money work for everyone. We care deeply about our 15+ million customers. Through magically simple products and actionable insights, we put our customers in control of their finance. Our products are different by design, and reliable at our core.

Our range of borrowing products are critical to Monzo’s mission. Not only do they serve important needs of our customers, they are also a key revenue driver to support Monzo keep delivering great products and experience. We have seen stellar growth and deep engagement with millions of borrowers, supported by effective and efficient credit risk management. Our product portfolios are still expanding fast, from personal to business credit, and markets beyond UK. We are looking for bright, passionate and creative individuals to further accelerate our growth.

About the role

The mission of Borrowing ML Scientists is to improve the customer and business outcomes through better automated decisioning, using Machine Learning and Statistical modelling. We have a primary focus in credit risk modelling, with our expertise also applied to predict and optimise utilisation, pricing, collection and marketing.

You will be working alongside a team of very experienced and highly efficient ML Scientists, with well established toolings for the fully lifecycle of ML models. Each of you owns multiple ML applications end-to-end, from experiment design and data curation, to deployment and monitoring. You will be empowered to innovate in the data, methodologies and toolings, so we can build better models easier and faster.

You will have exposure to all Borrowing products and applications, with autonomy to decide what are the most impactful topics to work on, and how to deliver them. You will work closely with our Credit Strategy Managers, Model Validation Analysts, Backend Engineers, and Product Managers, to fit your model development into the product roadmap. You are also empowered to think big about the business, market and customers, to influence our product and credit strategy beyond just the world of models.

Our technology stack

We rely heavily on the following tools and technologies (although we do not expect applicants to have prior experience of all them):

Google Cloud Platform for all of our analytics usages\n
- BigQuery SQL and dbt for our data modelling and warehousing
- PyData stack for model development and offline deployment
- Google Vertex AI platform for cloud computing
\n
AWS for backend infrastructure\n
- Python for ML model microservices
- Go lang for most other microservices
\n
AI toolings for productivity (an evolving list)\n
- Google suites including access to Gemini
- ChatGPT enterprise
- Claude code
\n

🤩 You should apply if:

You are result oriented and motivated by the impact on our customers and business
You enjoy a high degree of autonomy and thrive in a fast-paced environment
You are keen to grow your knowledge in both business and technology

📌 You must have:

Excellent SQL and Python skills with good understanding of best practices in software engineering and data engineering
In-depth knowledge of statistical and machine learning models: gradient boosted trees, logistic regression, neural networks, survival analysis, etc
Solid knowledge of statistics: hypothesis testing, confidence intervals, bootstrap
Experience of end-to-end model development and maintenance of ML models used for business critical automated decisioning, in a consumer facing industry
Great attention to details while keeping an eye on the big picture
Excellent communication skills to articulate complex problems
Capability to build mutual respect and trust with people of different background

Nice to have:

Experience in UK/EU retail lending businesses for personal/business customers
Experience of ML model governance in a regulated industry
Experience in leverage modern day AI tools for productivity

The Interview Process:

Our interview process involves:

30’ Recruiter Call
45’ Initial Call
60’ ML technical skill interview
60’ Behavioural interview

All interviews will be conducted through Google Meet.

What’s in it for you:

💰 £86,000 to £105,000 ➕ plus stock options & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be either based in our London office with hybrid working pattern, or fully remote within UK with occasional travels to London.

🏡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.

⏰ 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

#LI-DC2 #LI-Remote

Equal opportunities for everyone

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1772802832000],[323,324,325,326,327,328,329,330,331,332,333],{"_65":85,"_67":86,"_69":87},{"_93":344,"_95":118},{"_93":343,"_95":118},{"_93":342,"_95":96},{"_93":341,"_95":113},{"_93":340,"_95":106},{"_93":339,"_95":106},{"_93":338,"_95":96},{"_93":337,"_95":96},{"_93":336,"_95":118},{"_93":335,"_95":118},{"_93":334,"_95":113},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":213,"_71":98,"_67":214,"_69":215,"_95":96},{"_65":102,"_71":98,"_67":103,"_69":104,"_95":96},{"_65":107,"_71":108,"_67":109,"_69":110,"_95":111},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},{"_65":114,"_71":98,"_67":115,"_69":116,"_95":113},{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":346,"_67":347,"_69":348,"_71":72,"_16":349,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":350,"_80":-5,"_82":351,"_9":352},"3306eec2-73fb-4eb5-9543-4b1a9e30a6d0","Engineering Director, Security","engineering-director-security-at-monzo-com-may-13-2026-b189e4","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London or Remote (UK) | 💰 Base salary £170k - £200k + Equity + Benefits

Monzo is on a mission to build technology that connects the world. We are more than a platform; we are a global infrastructure that millions of people rely on for their daily lives, finances, and communication. This puts us in an incredibly unique position. We are the custodians of immense amounts of sensitive financial data as well as people’s money that are highly attractive to sophisticated adversaries and state-level actors.

Monzo has always adopted a Secure by Design model. We believe that security is not a function, but is instead a fundamental property of high-quality engineering. We have a world-class team of software and security engineers who ensure our platform is inherently secure and resilient, and we achieve that by making our security principles an invisible part of the developer experience.

What you'll do

Drive the secure-by-design mandate, leading the transition from reactive security to proactive architectural invariants. Your goal is to ensure that our core platform primitives - compute, storage, networking and identity - are built with inherent security properties that cannot be bypassed.
Eliminate systemic risk by identifying fundamental, cross-cutting security problems and driving major engineering improvements to solve them at the root.
Partner with product and engineering teams to embed a healthy security culture into Monzo’s product development process.
Cultivate an engineering-first culture, fostering a culture where security engineers are, first and foremost, software engineers. You’ll ensure your teams are delivering high-leverage tools and frameworks that enable the data and engineering disciplines to move at the speed-of-thought, without compromising security.
Manage a high-performing group of engineering leaders and senior individual contributors, nurturing a diverse organisation that thrives on solving the world’s most complex security challenges.
Collaborate with engineering managers and engineering leaders to contribute to company-wide security best practices and standards.
Form a close alliance with the CISO, CTO, and Product leaders to advise on the long-term health of the business, ensuring our security roadmap is aligned with our global mission.

Responsible for the engineering effectiveness and operational excellence of your teams, setting a high bar for performance, rigour, and inclusive leadership.

What we are looking for

We are looking for a leader who has been in the weeds of technical detail and has moved into high-scale leadership without losing their technical edge. Whilst this role doesn’t require very specific deep security engineering expertise, we’re looking for:

Architectural authority: You possess the technical depth to understand and challenge complex engineering decisions. You can lead a room of Principal Engineers through a deep-dive into distributed systems, or cryptographic trust boundaries.
Proven leadership: You have a track record of leading engineering organisations of 30–50 people in a high-growth, top-tier tech environment. You know how to structure teams for maximum impact and autonomy.
Software engineering experience: You likely spent the first half of your career as a Senior or Staff Engineer. You have a deep understanding of how systems are built.
Outcome-obsessed: You prioritise high-leverage work over process for process’s sake. You understand that good security looks like a platform that is secure by default, not a long list of compliance tickets.
Empathy & inclusion: You have a high degree of emotional intelligence and a relentless drive to create an inclusive, blameless team environment where everyone can do their best work.
Decisiveness in ambiguity: You are comfortable operating with a high degree of autonomy, making high-stakes decisions in fast-moving, often time-sensitive scenarios.

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.

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.

Work the way that works for you with Monzo! 💼

The interview process:

Our interview process involves 3 main stages:

Recruiter Call (30 mins) You'll meet our Engineering Leadership Recruiter to discuss your experience and learn more about Monzo. They'll be your partner and guide throughout the interview process.
Initial Call (1 hour) You'll meet with our VP of Engineering. 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 - This is one stage with 4 interviews (totalling 4 hours) split between a collaboration with one of our engineers on a technical exercise, as well as execution and leadership interviews.

At all stages we’ll create space for you to ask as many questions as you have, you’re interviewing us as well!

What’s in it for you:

💰Base salary £170k - £200k + Equity + Benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be based in our London office, or 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

➕And much more, see our full list of benefits here

Equal opportunities for everyone

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1778657094000],[353,354,355,356],{"_65":85,"_67":86,"_69":87},{"_93":363,"_95":118},{"_93":362,"_95":118},{"_93":361,"_95":118},{"_93":357,"_95":106},{"_65":358,"_71":108,"_67":359,"_69":360,"_95":111},"0d747953-bac5-44b2-90d1-f12fcf170997","Security Engineer","security-engineer",{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":365,"_67":366,"_69":367,"_71":72,"_16":368,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":369,"_80":-5,"_82":370,"_9":371},"ae111071-97d2-45b8-a9f7-e9094466f189","Data Director, Workforce Systems & Service Performance","data-director-workforce-systems-service-performance-at-monzo-com-jun-23-2026-d96973","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

London/Cardiff/UK Remote | 💰 £150,000–£180,000 + Incentive Awards tied to your performance + Benefits✨

Our Workforce Systems team ⭐

Customer Operations at Monzo is at the heart of delivering fast, safe and high-quality support to millions of customers.

As Monzo grows, the way we run operations is evolving. We’re supporting more customers, more products, more markets, more regulatory expectations, and a growing mix of human and AI-powered service. This creates one of the most interesting operational systems challenges at Monzo: how do we forecast demand, plan supply, schedule work, route tasks, understand live performance, and make capacity decisions across an increasingly complex global operation?

Workforce systems are central to this. They help determine how Monzo matches customer demand with human and AI capacity, how we protect service levels, how we make cost and capacity trade-offs, and how we keep support fast, safe and reliable as we scale.

The next phase is about building the workforce systems that allow Monzo to keep scaling Customer Operations as we expand our products, global footprint and AI capabilities - supporting our mission to make money work for everyone.

This role will lead that next phase.

You’ll sit at the intersection of Data, Product, Engineering, Operations and Finance. You’ll shape the technology, data products and operating systems that help Monzo understand demand, plan capacity, schedule work, measure execution, assign tasks, and respond to live operational change. You’ll work on capabilities that make workforce decisions more accurate, more automated, more explainable and more resilient as the business grows.

You’ll also build and develop the team and capability needed for this next stage - raising the bar for forecasting, measurement, operational data products and system-led workforce decisioning.

You don’t need to come from a traditional Workforce Management or contact centre background. We’re looking for a senior data-product systems leader who can reason from first principles, build scalable operational systems, and lead through ambiguity across multiple disciplines.

🔑 You’ll play a key role by…

Leading the strategy for Monzo’s Workforce Systems, across forecasting, capacity planning, scheduling, work status, task assignment and service performance.
Building and developing a high-performing team across forecasting, measurement, analytics and operational data products, while helping shape the wider workforce systems roadmap with Product and Engineering.
Building production-grade data products that support live operational decisions - including forecasting, schedule fit, work-status signals, capacity impact, throughput and service-performance measures.
Improving how we forecast and plan demand, including forecast accuracy, bias, uncertainty, feedback loops, and the impact of new products, new markets, AI agents and changing customer behaviour.
Connecting forecasts, schedules and live execution, so teams can understand how operational reality is changing and take action at the right time.
Developing stronger system controls for capacity decisions, including forecast releases, demand changes, operational process changes, tooling launches and staffing decisions.
Evolving how Forecast Change Requests and capacity-impacting changes work, moving toward system-supported decisioning, impact assessment and guardrails.
Partnering deeply with Product and Engineering to define and build the workflows, metrics, controls and technical capabilities that help teams make better workforce decisions.
Helping evolve task assignment and routing, so work is allocated based on schedule, skill, capacity, prioritisation logic and live service needs.
Raising the analytical and statistical bar across workforce planning and service performance, helping teams reason clearly about forecast error, AHT, workload, volatility, throughput, schedule adherence and customer outcomes.
Transforming the operating model for the next stage of scale, helping teams move toward exception-based operation, feedback loops and system-led control.
Working with senior leaders across Ops, Data, Product, Engineering and Finance to make trade-offs between service quality, cost, capacity, risk and speed of execution.

🤩 We’d love to hear from you if…

You’ve led data products, forecasting systems, marketplace systems, logistics systems, operational platforms or live decision systems where data and models directly influenced how a business operated.
You have strong first-principles systems thinking and can break complex operational problems into clear components, feedback loops, controls and product opportunities.
You have strong statistical judgement - you understand forecasting, uncertainty, bias, volatility, measurement quality, and when a metric is ready to support an operational decision.
You’re product-minded: you think about users, workflows, incentives, adoption, decision points, and how tooling can make good decisions easier.
You’re credible with Engineering and can partner on architecture, reliability, system design, productisation, sequencing and trade-offs.
You’ve built, led or scaled teams working across data, product, engineering or operational systems.
You’re comfortable working in live operational environments, where decisions affect customers, cost, risk, regulation and service performance.
You can lead through ambiguity and influence senior stakeholders across Product, Engineering, Data, Ops and Finance.
You’re a builder-leader: you’ve created teams, systems, processes or capabilities that scale.
You’re excited by the challenge of building workforce systems for a future where human and AI capacity operate together.
You’re motivated by Monzo’s mission to make money work for everyone, and by the role Operations plays in delivering fast, safe and high-quality customer support as we grow.

👀 Your background could look like…

You may have worked in data science, data products, operational systems, forecasting, marketplace operations, logistics, planning systems, routing, service platforms, AI-enabled operations, or another complex supply/demand environment.

Experience in Workforce Management, customer operations, outsourcing, or contact centres would be useful, but it’s not required. We care more about your ability to understand complex systems, build data products that power operational decisions, and lead across Data, Product, Engineering and Operations.

You also don’t need to be the deepest hands-on forecaster or ML engineer yourself, but you should know what good looks like, set a high bar, and build the team and systems around you.

🌍 The opportunity

This is a senior technology and data leadership role focused on building the next generation of workforce systems at Monzo.

The role sits at the intersection of Data Science, Product, Engineering and Operations. It needs someone who can bring statistical judgement, product thinking, technical credibility and people leadership together to shape systems used in live operational decision-making.

You’ll help Monzo continue to scale Customer Operations as our product set, customer base, AI capabilities and global footprint grow. That means building systems that help us serve customers quickly and safely, use human and AI capacity well, and make high-quality operational decisions in increasingly complex environments.

🙌 What’s in it for you

💰 £120,000–£175,000 + Benefits
✈️ We’ll help you relocate to the UK, if applicable
✅ 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 occasional 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
📚 £1,000 learning budget each year to use on books, training courses and conferences
🏡 We’ll set you up to work from home; all employees are given MacBooks and remote workers get extra support for their home setup
➕ Plus lots more - read our full list of benefits

🧠 Our interview process

We focus on real-world problem solving - not brainteasers.

Our process usually includes:

30 minute recruiter call
45 minute hiring manager call
Interviews with senior leaders across Data, Product, Engineering and Operations

We’ll explore how you think about:

building data products that operate inside live systems
forecasting, uncertainty and operational measurement
designing systems, controls and feedback loops
cross-functional leadership
service performance and operational trade-offs
building teams and capabilities for scale

Our average process takes around 3-4 weeks, and we’ll always work around your availability

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1782211332000],[372,373,374],{"_65":85,"_67":86,"_69":87},{"_93":377,"_95":118},{"_93":376,"_95":118},{"_93":375,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":379,"_67":380,"_69":381,"_71":72,"_16":382,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":383,"_80":-5,"_82":384,"_9":385},"21daf34f-d74e-4dcc-b365-f7890b95c50c","Senior Machine Learning Manager, Borrowing","senior-machine-learning-manager-borrowing-at-monzo-com-jun-24-2026-53960b","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London/Cardiff/UK Remote | 💰 £138,000 to £176,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨

About the role

Borrowing 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 products
unlocking new data and faster model development
helping Monzo build underwriting that scales into new markets
shaping how advanced ML and AI can create real value in Borrowing

You’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 own

Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion
Faster model improvement through new data and feature engineering
How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning
More portable underwriting capabilities across products, customer segments, and markets
Hiring, leading, and developing a high-performing ML team
Raising the bar on model quality, governance, tooling, and speed of iteration

What you’ll be working on

Examples of the challenges you could help lead:

Improving underwriting models across Loans, Flex, and Overdrafts
Expand the data we use in our models
Building better feature engineering and model shipping capability
Improving transaction intelligence for credit use cases
Developing underwriting capabilities for new customer segments and EU markets
Shaping Monzo’s approach to advanced ML and AI

Our technology stack

We rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them:

Google Cloud Platform
BigQuery SQL and dbt
Python and the PyData stack
Google AI Platform
AWS
Python for ML services
Go for backend services
AI tooling for productivity
Google Workspace including Gemini
ChatGPT Enterprise
Claude Code

You should apply if

You want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechs
You enjoy combining strategic leadership with strong technical judgment
You’re excited by the intersection of underwriting, data, product, and platform capability
You like building teams as much as building models
You care about real customer and business impact

You must have

Credit and machine learning

Strong knowledge of machine learning, statistics, and decisioning systems
Deep experience in credit risk and lending
Experience building, deploying, and iterating credit models in production
Experience pushing the innovation frontiers of the credit industry

Leadership and delivery

Experience leading and developing senior ML scientists
Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation
Track record of turning strategy into practical delivery in a regulated environment

It would be great if you also have

Experience across more than one market
Experience with advanced ML methods and AI on structured financial data

The interview process

30 min Recruiter Call
45 min Initial Call
60 min ML technical interview
60 min People Leadership interview
60 min Product / Credit ML interview

All interviews will be conducted through Google Meet.

What’s in it for you

💰 £138,000 to £176,000 ➕ plus stock options & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London.

🏡 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.

📚 Learning budget for books, training courses and conferences

➕ And much more — see our full list of benefits here

#LI-DC2 #LI-Remote

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1782311367000],[386,387,388,389,390,391,392,393,394,395,396],{"_65":85,"_67":86,"_69":87},{"_93":407,"_95":118},{"_93":406,"_95":118},{"_93":405,"_95":118},{"_93":404,"_95":118},{"_93":403,"_95":96},{"_93":402,"_95":113},{"_93":401,"_95":106},{"_93":400,"_95":106},{"_93":399,"_95":96},{"_93":398,"_95":113},{"_93":397,"_95":96},{"_65":213,"_71":98,"_67":214,"_69":215,"_95":96},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":102,"_71":98,"_67":103,"_69":104,"_95":96},{"_65":107,"_71":108,"_67":109,"_69":110,"_95":111},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},{"_65":114,"_71":98,"_67":115,"_69":116,"_95":113},{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":409,"_67":410,"_69":411,"_71":72,"_16":412,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":413,"_80":-5,"_82":414,"_9":415},"a4ff414c-aad0-45d1-86bc-167f1addd08d","Engineering Director, EU","engineering-director-eu-at-monzo-com-jun-24-2026-c8d621","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London or Remote (UK) | 💰 Base salary £170k - £225k + Equity + Benefits

Engineering at Monzo

Monzo has successfully launched in Ireland and is expanding across Europe. We're now entering the next phase of our journey: building and scaling a multi-market European bank.

The EU Engineering organisation sits at the centre of that ambition. We are responsible for helping Monzo launch, grow and operate across Europe, navigating everything from product-market fit and customer growth to regulatory requirements, localisation and operational scale.

Unlike most engineering organisations at Monzo, EU does not own a single product area. We work horizontally across the company, partnering with teams across Payments, Core Banking, Growth, Wealth, Customer Operations, Fincrime, Platform and many others to bring Monzo's products to new markets and deliver great customer experiences locally.

As an Engineering Director, you'll lead a distributed engineering organisation across the UK, Spain and remote locations. You'll partner closely with Product, Design, Data, Operations, Risk, Compliance and executive stakeholders to solve complex problems that span organisational boundaries.

Success in this role comes through influence, relationships and organisational leadership as much as execution. You'll need to build alignment across a wide range of teams, create clarity in ambiguity, and help Monzo discover what works in new markets while establishing the foundations that allow us to scale across Europe.

This is one of Monzo's most strategically important areas and a unique opportunity to help build a European bank from the ground up.

What you’ll work on

Lead a distributed engineering organisation spanning multiple squads, markets and countries.
Build and develop Engineering Managers, Senior Engineering Managers and senior technical leaders.
Partner with Product, Design, Data, Research, Operations, Risk and Compliance leaders to define and execute Monzo's European strategy.
Drive alignment and execution across numerous collectives to ensure Europe receives the capabilities it needs to succeed.
Shape how Monzo approaches market expansion, localisation, regulatory requirements and multi-market product development.
Influence priorities and outcomes across teams that do not directly report to you.
Create clarity and momentum in highly ambiguous problem spaces where ownership and solutions are not always obvious.
Design and evolve organisational structures, operating models and planning processes that allow Monzo to scale effectively across Europe.
Help identify and validate product-market fit in new markets while balancing short-term delivery and long-term strategic investments.
Partner closely with executive leadership to shape the future of Monzo's European business.

You should apply if

You have experience leading large engineering organisations through other leaders, including Engineering Managers, Senior Engineering Managers and senior individual contributors.
You have successfully operated in highly complex organisations where outcomes depend on collaboration across many teams and functions.
You are exceptional at building relationships and influencing without direct authority.
You can navigate ambiguity and create clarity where goals, ownership or priorities are not yet fully defined.
You have experience scaling organisations through periods of rapid growth, organisational change or market expansion.
You enjoy solving organisational and business problems, not just technical ones.You can balance strategy and execution, translating ambitious goals into tangible outcomes.
You are comfortable making decisions in environments where there is rarely a perfect answer.
You have a strong track record of building high-performing leadership teams and developing future leaders.
You are energised by the challenge of building something new and helping shape the future of Monzo's international expansion.

The interview process

After an informal ~30 min recruiter call our interview process involves 2 main stages:

Initial Call (1 hour) You'll meet with one of our senior engineering leaders. 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 - This is one stage with 4 interviews (totalling 4 hours) split between a collaboration with one of our engineers on a technical exercise, as well as execution and leadership interviews.

At all stages we’ll create space for you to ask as many questions as you have, you’re interviewing us as well!

Our 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 tech-hiring@monzo.com. 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.

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.

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.

Work the way that works for you with Monzo! 💼

What’s in it for you

💰Base salary £170k - £225k + Equity + Benefits

✈️ We can help you relocate to the UK

✅ We 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 conferences

#LI-AL1 #LI-REMOTE

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1782316938000],[416,417,418,419],{"_65":85,"_67":86,"_69":87},{"_93":423,"_95":118},{"_93":422,"_95":118},{"_93":421,"_95":118},{"_93":420,"_95":118},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":425,"_67":426,"_69":427,"_71":72,"_16":428,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":429,"_80":-5,"_82":430,"_9":431},"8f3fe6ee-34c7-4aa2-a5c5-07e2d30812b3","Machine Learning Manager, Operations","machine-learning-manager-operations-at-monzo-com-jul-3-2026-942c1a","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London/Cardiff/UK Remote | 💰£113,200 - £145,200 + equity + Incentive Awards tied to your performance + Benefits ✨

Our Operations Machine Learning team ⭐

We’re building the machine learning and optimisation systems that help Monzo provide fast, efficient and resilient customer support at scale.

You’ll lead Machine Learning for our Workforce Management vertical: the organisation that makes sure Monzo has the right human support supply to meet customer demand. The team works on demand forecasting, real-time supply <> demand matching, problem routing and escalation, and predictive models that help us understand how long work will take, what might become late, and where the next best human support should be assigned.

This is a great role for someone who is still close to technical work. You might be a Tech Lead, Team Lead, Senior Machine Learning Scientist or Senior Machine Learning Engineer who has recently been building models and systems yourself, and is excited to grow into a broader leadership role.

Not everything here is about LLMs. You’ll work on rigorous ML, forecasting, optimisation and operations research problems where quantitative thinking, pragmatic delivery and strong product judgement really matter.

You’ll lead a growing team of Machine Learning Scientists, embedded in product squads working alongside data scientists, backend, mobile and web engineers, product managers, user researchers, designers and operations specialists.

🔑You’ll play a key role by…

Shaping the ML strategy for Workforce Management, helping us decide where ML, forecasting and optimisation can have the biggest impact for customers and human agents.
Leading the design, build and delivery of production ML systems across forecasting, routing, assignment, escalation and time-to-completion prediction.
Staying close to the technical details: helping the team frame problems well, choose the right modelling approach, define robust validation, review trade-offs and ship safely.
Working with Product, Engineering, Data and Operations leaders to turn ambiguous operational problems into pragmatic, iterative ML systems that improve real customer outcomes.
Coaching and developing Machine Learning Scientists through regular 1:1s, feedback and technical guidance.
Creating healthy ways of working for the team: clear priorities, strong technical standards, good documentation, sensible monitoring, and space for people to do their best work.
Contributing to the wider Machine Learning discipline at Monzo, helping us scale how we build, ship and operate ML systems in production.

🤩 We’d love to hear from you if…

You’ve recently worked as a hands-on Machine Learning practitioner, for example as a Senior IC, Tech Lead, Team Lead or ML manager.
You have strong foundations in ML, statistics, forecasting, optimisation or operations research, and enjoy applying them to messy real-world problems.
You’ve built, shipped or owned ML systems in production, and understand what it takes to make models useful, reliable, monitored and safe.
You can move between technical detail and business context, explaining complex ML ideas clearly to technical and non-technical people.
Coaching others is something you enjoy and take seriously. You may already have people management experience, but we’re also open to people taking their first formal step into management.
Ambiguous problem spaces energise you. The right answer might involve a model, an algorithm, a product change, an operational process, or a combination of all four.
Customer outcomes matter to you, and you want to build systems that help people get answers to their problems quickly and efficiently.
You’re adaptable, curious and excited by quantitative problems.

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 that's listed just yet. Drop us your application, we’d love to hear from you!

🙌 What’s in it for you

💰 £113,200 - £145,200 ➕Incentive Awards tied to your performance.

✈️ 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 3 key steps

Recruiter Call
Initial Call
Full Loop: ML Modelling Skills Interview, Product & ML interview, Project Deep Dive Interview, Leadership 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-REMOTE

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1783070577000],[432,433,434,435],{"_65":85,"_67":86,"_69":87},{"_93":439,"_95":118},{"_93":438,"_95":118},{"_93":437,"_95":118},{"_93":436,"_95":106},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":441,"_67":442,"_69":443,"_71":72,"_16":444,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":445,"_80":-5,"_82":446,"_9":447},"1f3ddef2-018b-47c6-a90b-b3176c66f9ee","Credit Model Validation Manager (Machine Learning & NPV Models)","credit-model-validation-manager-machine-learning-npv-models-at-monzo-com-jul-8-2026-47a325","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London or Remote (UK) | 💰 £79,000 - £93,000 + Incentive Awards tied to your performance + Benefits

🌟 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.

🔑 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 expected
Supporting oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response models
Developing deep understanding of Monzo’s credit models, and using this to provide impactful input and challenge to model developers to improve our modelling capabilities
Reviewing 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 required
Performing statistical analyses to independently assess model performance, including developing challenger models where appropriate to test model assumptions and strengthen validation conclusions
Improving 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 evolve
Writing clear and impactful model validation reports, and presenting the findings and actions in relevant committees
Partnering 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 organisation
Embracing new and innovative technology, including leading the adoption of AI tools to enhance our model validation approach

🤩 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 modelling
Are 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 outcomes
Have 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-experts
Have a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challenge
Are impact-driven, and proactive in identifying issues and opportunities to improve outcomes for both our customers and our business
Are passionate about technology, and what we’re doing here at Monzo excites you!

Our technology stack

We 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 infrastructure
dbt and BigQuery SQL for our data modelling and warehousing
Python for data science and machine learning
Go to write our application code
AWS for most of our backend infrastructure

The interview process:

Our interview process usually involves up to four main stages via Google Hangouts:

An initial call with our recruiter
A 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

\n
🙌 What’s in it for you
\n

💰 £79,000 - £93,000 + Incentive Awards tied to your performance benefits.
📍 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.

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-TK1

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1783519975000],[448,449,450,451,452,453,454,455,456,457],{"_65":85,"_67":86,"_69":87},{"_93":467,"_95":118},{"_93":466,"_95":113},{"_93":465,"_95":96},{"_93":464,"_95":106},{"_93":463,"_95":96},{"_93":462,"_95":113},{"_93":461,"_95":118},{"_93":460,"_95":118},{"_93":459,"_95":118},{"_93":458,"_95":96},{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":102,"_71":98,"_67":103,"_69":104,"_95":96},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},{"_65":213,"_71":98,"_67":214,"_69":215,"_95":96},{"_65":114,"_71":98,"_67":115,"_69":116,"_95":113},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":469,"_67":470,"_69":471,"_71":72,"_16":472,"_74":473,"_75":473,"_76":474,"_77":475,"_78":476,"_80":-5,"_82":477,"_9":478},"d7673054-108e-4b0c-9c21-173154cd9bfb","Senior Data Scientist","senior-data-scientist-at-monzo-com-jul-21-2026-a57be7","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits
Hybrid model: 3 days a week in the office

About our Data Science Teams:

We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement and help us to build a bank that customers truly love.

At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 15 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.

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. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data scientists the head space to focus on more impactful business questions and analyses.

How we hire

We are excited to be expanding and are hiring for multiple roles across our Data Science teams! Whether your interests lie in Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. While we allocate teams after the interview process, we aim to match your skills and aspirations with the most suitable role. Throughout the process, you will meet team members from across our Data Science collectives, who will guide you through the opportunities available. Join us and be part of shaping our future!

Your day-to-day

Applying your expertise in quantitative analysis, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our products and how those insights can inform our product strategy
Guide and enable product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do
Drive together with the finance team a unified company-wide understanding of the lifetime value of our users and how different product features are impacting user profitability
Liaise with engineers to keep making sure we collect the right data to produce relevant business insights

You should apply if:

You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well
You're commercially minded and can put numbers into business perspective
You’re as comfortable getting hands-on as taking a step back and thinking strategically
You have a self-starter mindset ; you proactively identify issues and opportunities and tackle them without being told to do so
You're a team player whom your colleagues can rely on
You have solid grounding in SQL and preferably Python
You have experience in conducting large scale A/B experiments

The Interview Process:

Our interview process involves three main stages:

1. Recruiter Call
2. Initial Call
3. Technical Interview
4. Final Interview including a case study and collaboration interview

Our average process takes around 2-3 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.

What’s in it for you:

💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits

📍Barcelona, Spain

⏰ 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 €1,200 a year for books, training courses and conferences

#LI-JS1

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",14400,"EUR","direct",["D",1784625137000],[479,480,481],{"_65":85,"_67":86,"_69":87},{"_93":484,"_95":118},{"_93":483,"_95":96},{"_93":482,"_95":106},{"_65":107,"_71":108,"_67":109,"_69":110,"_95":111},{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":485,"_71":120,"_67":486,"_69":487,"_95":123},"e124afd9-5d6c-4907-a783-468126f86813","Barcelona, Spain","barcelona-spain",{"_65":489,"_67":490,"_69":491,"_71":72,"_16":492,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":493,"_80":-5,"_82":494,"_9":495},"e89b2d66-e6eb-400f-80ae-8ae89b6f43ec","Staff Analytics Engineer","staff-analytics-engineer-at-monzo-com-jul-23-2026-f1fb15","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

Staff Analytics Engineer - Borrowing

📍London/Cardiff/UK Remote | 💰 £121,600-164,600 + Incentive Awards tied to your performance and benefits | Hear from the team ✨

⭐ Our Borrowing Analytics Engineering Team

Our 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 process

Our 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 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 conferences

➕ And much more, see our full list of benefits here

#LI-AS #LI-Remote

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1784816853000],[496,497,498,499,500,501],{"_65":85,"_67":86,"_69":87},{"_93":510,"_95":118},{"_93":509,"_95":118},{"_93":508,"_95":118},{"_93":507,"_95":118},{"_93":506,"_95":96},{"_93":502,"_95":96},{"_65":503,"_71":98,"_67":504,"_69":505,"_95":96},"4a897956-c46d-4444-b13f-31c447b10859","CI/CD","ci-cd",{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":512,"_67":513,"_69":514,"_71":72,"_16":515,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":516,"_80":-5,"_82":517,"_9":518},"a0da6227-0317-464d-ae33-1cafb2ba7411","Lead Machine Learning Scientist, Customer Operations","lead-machine-learning-scientist-customer-operations-at-monzo-com-aug-6-2026-4ba771","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 Operations team:

The challenges are significant: we aim to transform customer service by reducing the time and effort required to resolve issues, enhancing customer confidence and satisfaction. As part of Operations, you’ll be at the forefront of our mission to provide unparalleled customer support experiences.

Your role will be pivotal in leveraging state-of-the-art machine learning techniques (including LLMs and autonomous agents) to understand customer problems. You will lead the development of an effective human-in-the-loop system that augments automation with the efforts of our support workforce (who we call COps). This allows us to more expediently and efficiently predict, identify, disambiguate, and route customer problems at scale to support a rapidly expanding company with global ambitions across multiple geographies.

You’ll be working closely with a team of Machine Learning Scientists in Operations, embedded in product squads alongside data scientists, backend, mobile and web engineers, product managers, user researchers, designers, and operations specialists.

Your day-to-day:

As a technical individual contributor, you’ll be providing technical leadership and shipping highly impactful ML-based solutions. You’ll be embedded in a cross-functional product squad, working closely with product managers, data scientists, backend engineers, and designers in an agile environment. You’ll also be a technical leader within the wider Machine Learning discipline, helping to steer technical work and drive up standards.

This will involve:

\n
Working with stakeholders across the organisation to identify and scope out the most impactful opportunities to transform Customer Operations with Machine Learning.
\n
\n
Leading the design and development of advanced Machine Learning models, exploring how LLMs, RAG, and sequence-based architectures can drive improvements in query resolution and routing.
\n
\n
Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others.
\n
\n
Steering ongoing technical strategy, working closely with our MLOps team and backend engineers to enable rapid iteration of models and optimisations of the full ML model lifecycle.
\n

You should apply if:

What we’re doing here at Monzo excites you!

\n
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
\n
\n
You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact
\n
\n
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
\n
\n
You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
\n
\n
You have extensive experience writing production Python code and a strong command of SQL. You are comfortable using them every day, and keen to learn Go lang which is used in many of our backend microservices
\n
\n
you’re comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity
\n
\n
you want to be involved in building a product that you (and the people you know) use every day
\n
\n
you have a product mindset: you care about customer outcomes and you want to make data-informed decisions
\n
\n
You're excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain
\n
\n
You’re adaptable, curious and enjoy learning new technologies and ideas
\n

Nice to haves:

\n
Experience working with customer operations, capacity planning, forecasting, or in regulated institutions.
\n
\n
Commercial experience writing critical production code and working with microservices.
\n

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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interview

What’s in it for you:

✈️ We can help you relocate to the UK

✅ We 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 training courses and conferences

➕And much more, see our full list of benefits here

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

#LI-REMOTE #LI-SR1

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1786019475000],[519,520,521,522,523,524,525,526,527],{"_65":85,"_67":86,"_69":87},{"_93":536,"_95":118},{"_93":535,"_95":118},{"_93":534,"_95":118},{"_93":533,"_95":118},{"_93":532,"_95":96},{"_93":531,"_95":113},{"_93":530,"_95":106},{"_93":529,"_95":106},{"_93":528,"_95":113},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},{"_65":150,"_71":108,"_67":151,"_69":152,"_95":111},{"_65":114,"_71":98,"_67":115,"_69":116,"_95":113},{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":538,"_67":539,"_69":540,"_71":72,"_16":541,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":542,"_80":-5,"_82":543,"_9":544},"7a88c139-ab97-4d44-b298-1fd5fa9d81f1","Lead Machine Learning Scientist, FinCrime","lead-machine-learning-scientist-fincrime-at-monzo-com-aug-6-2026-8780d5","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 FinCrime Team:

Our Financial Crime Data team consists of over 25 people across 4 data specialisms: Analytics Engineers, Data Analysts, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll be working in a fast moving environment, building and iterating on our financial crime defensive capabilities to ensure we keep Monzo and our customers safe.

Our financial crime team has a large impact on Monzo’s bottom line as fraud and scams are usually some of the largest cost line items in a bank's P&L. We have a major influence on the overall customer experience and it’s our duty to keep our customers safe. The work we do results in directly measurable customer or company benefit, which is incredibly satisfying.

Our Machine Learning Scientists work on a range of problems within the different financial crime areas ranging from fraud detection and prevention, transaction monitoring for different types of suspicious activity through to customer risk assessment and operational tooling.

What you’ll be working on:

A Lead Machine Learning Scientist at Monzo is a technical Individual Contributor (IC) leadership position. As a technical Machine Learning expert, working with billions of rows of data stored on a modern cloud native data platform, we’ll be expecting you to leverage your deep experience of developing and deploying advanced Machine Learning models to:

Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs
Adapt quickly and appropriately to changing fraud and financial crime trends, ensuring our detection systems remain performant through time.

The technical approaches you take to help solve these 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.

Your day-to-day:

As a technical individual contributor, you’ll be providing technical leadership and shipping highly impactful ML-based solutions. You’ll be embedded in a cross functional product squad, working closely with product managers, data scientists, backend engineers and designers in an agile environment. You’ll also be a technical leader within the Machine Learning discipline, helping to steer technical work and drive up standards.

This will involve:

Working with stakeholders across the organization to identify and scope out the most impactful opportunities to tackle Financial Crime and Fraud with Machine Learning.
Leading the design and development of advanced real time Machine Learning models, for example exploring how neural network, graph-based, and sequence-based architectures can drive improvements in detection of financial crime.
Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others.
Working closely with our MLOps team to steer the ongoing development of tools to enable rapid iteration of models and optimisations of the full ML model lifecycle.

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 company
You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures 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
Reducing financial crime and protecting customers with data driven strategies sounds exciting to you
You have extensive experience writing production Python code and a strong command of SQL. You are comfortable using them every day, and keen to learn Go lang 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 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 excited about fast-moving developments in Machine Learning 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

Nice to haves:

Experience working with financial crime and in regulated institutions
Commercial experience writing critical production code and working with microservices

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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interview

What’s in it for you:

✈️ We can help you relocate to the UK

✅ We 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 training courses and conferences

➕And much more, see our full list of benefits here

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

#LI-REMOTE #LI-SR1

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1786019502000],[545,546,547,548,549,550,551,552,553],{"_65":85,"_67":86,"_69":87},{"_93":562,"_95":118},{"_93":561,"_95":118},{"_93":560,"_95":118},{"_93":559,"_95":118},{"_93":558,"_95":96},{"_93":557,"_95":113},{"_93":556,"_95":106},{"_93":555,"_95":106},{"_93":554,"_95":113},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},{"_65":150,"_71":108,"_67":151,"_69":152,"_95":111},{"_65":114,"_71":98,"_67":115,"_69":116,"_95":113},{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":564,"_67":565,"_69":566,"_71":72,"_16":567,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":568,"_80":-5,"_82":569,"_9":570},"3518e197-1901-4c12-9565-89c0d6b8490e","Lead Machine Learning Scientist, Search","lead-machine-learning-scientist-search-at-monzo-com-aug-6-2026-b327b7","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 Team

We 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 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 lang 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 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 excited about fast-moving developments in Machine Learning 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

Nice to haves:

Experience working on personalisation, ranking & recommendation problems for consumer applications
Commercial experience writing critical production code and working with microservices

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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interview

Our 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 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 training courses and conferences

➕And much more, see our full list of benefits here

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

#LI-REMOTE #LI-SR1

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1786019526000],[571,572,573,574,575,576,577,578],{"_65":85,"_67":86,"_69":87},{"_93":586,"_95":96},{"_93":585,"_95":113},{"_93":584,"_95":106},{"_93":583,"_95":106},{"_93":582,"_95":113},{"_93":581,"_95":118},{"_93":580,"_95":118},{"_93":579,"_95":118},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},{"_65":150,"_71":108,"_67":151,"_69":152,"_95":111},{"_65":114,"_71":98,"_67":115,"_69":116,"_95":113},{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},{"_65":588,"_67":589,"_69":590,"_71":72,"_16":591,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":592,"_80":-5,"_82":593,"_9":594},"8645401d-7b0f-466b-ac55-47c370d19f92","Platform Engineer","platform-engineer-at-monzo-com-aug-10-2026-d1251a","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London / UK Remote | 💰Engineer £65,000 - £80,000 + Incentive Awards tied to your performance Benefits | Technology - Engineering |

About Platform Engineering at Monzo:

The Platform Collective builds and maintains the infrastructure, tools and processes that sets the rest of Monzo technology teams up for success. We work on a wide range of shared infrastructure, services and engineer tooling.

The Infrastructure Platform team sit within the Platform Collective and is responsible for running the Kubernetes clusters, service mesh and networking that all of Monzo's microservices run on. Our team is made up of backend engineers and cloud infrastructure experts, using our experience and software engineering skills to solve problems and manage our cloud infrastructure.

Read more about Platform Engineering at Monzo here.

Our Infrastructure Platform team Has Two Focus Areas

We build and centrally manage the cloud infrastructure that underpins technology at Monzo, running components like Kubernetes and Envoy across AWS and GCP.We help other platform teams to succeed at using cloud infrastructure by abstracting away the complexity and enabling them to solve real customer problems

We’re investing heavily in this team to support Monzo’s ambitions to grow from 10 to 20 million customers, expand the range of products to improve our customers’ financial lives and set up the foundations for scaling Monzo across the globe.

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.

What you’ll be working with:

As a Platform Engineer at Monzo, you will work across the full breadth of our core infrastructure and application platform. This role involves a balanced split of responsibilities between two critical areas:

Platform & Infrastructure Engineering: Enhancing and maintaining our foundational tools and systems.Working hands-on with our Kubernetes clusters, AWS infrastructure, and configuration management using Terraform.Integrating and managing various open-source components to provide robust, scalable primitives for our engineering teams.Software & Backend Engineering: Building and maintaining the services that abstract and orchestrate our infrastructure.Designing and implementing backend services (APIs, controllers, etc.) that provide a simplified, self-service experience for other engineers.Developing software for complex projects like infrastructure migrations, high-scale traffic management, or security tooling.

We rely heavily on the following tools and technologies, please note direct experience in these technologies is not required and our interview process can be completed in any language:

Go to write our application code (there’s an excellent interactive Go tutorial here), in platform we build services to manage parts of the platform
Kubernetes most workloads we run are on Kubernetes with this team being responsible for the underlying cluster's management
AWS and GCP whilst our primary platform is in AWS our footprint in GCP is continually growing and we are increasing our maturity across both of these platforms
Terraform is primarily how we manage any resources deployed into the cloud
Envoy Proxy for our RPC service mesh

🤩We’d love to hear from you if…

To succeed in this role, you will need a solid foundation in practical software development and a keen interest in modern platform tooling.

Software Engineering Foundation: You have a keen interest in software engineering, demonstrated by writing, testing, and deploying robust backend services.

Cloud & Container Experience: You’re enthusiastic about working with AWS and/or GCP, and with Kubernetes.

Automation & Infrastructure as Code: You are naturally inclined to solve problems through automation and have experience with Infrastructure as Code (e.g., Terraform).

System Curiosity: You are deeply curious about systems, enjoy diving deep to investigate complex issues, and understand how modern distributed applications fail and scale.

Platform Mindset: You'd be excited to build a platform that enables success for everyone at Monzo, focusing on reliability, performance, and developer experience.

Comfort with Ambiguity: You're comfortable working in a fast-paced team that deals with ambiguity and evolving requirements.

We're on the look out for L30 and L40 Platform Engineers at the moment, you can read more in our Engineering Progression Framework

The Interview Process:

Our interview process involves three main stages:

Initial Call
Take home task or pair coding exercise
Final interview: including a system design and a behavioural interview

Our 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:

💰 £65,000 - £80,000 base salary➕ 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, 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

#LI-Remote

#LI-HJ1

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1786371551000],[595,596,597,598,599,600,601,602,603],{"_65":85,"_67":86,"_69":87},{"_93":615,"_95":118},{"_93":614,"_95":118},{"_93":613,"_95":118},{"_93":612,"_95":118},{"_93":608,"_95":96},{"_93":607,"_95":96},{"_93":606,"_95":96},{"_93":605,"_95":96},{"_93":604,"_95":113},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":102,"_71":98,"_67":103,"_69":104,"_95":96},{"_65":213,"_71":98,"_67":214,"_69":215,"_95":96},{"_65":233,"_71":98,"_67":234,"_69":235,"_95":96},{"_65":609,"_71":98,"_67":610,"_69":611,"_95":96},"2824a85f-626b-44f7-8ef2-0c6a6cdc3fc1","Terraform","terraform",{"_65":140,"_71":120,"_67":141,"_69":142,"_95":123},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":617,"_67":618,"_69":619,"_71":72,"_16":620,"_74":-5,"_75":-5,"_76":-5,"_77":-5,"_78":621,"_80":-5,"_82":622,"_9":623},"ff9b1ab4-556b-4abb-b205-6ad9c6c60339","Lead Machine Learning Scientist, Business Banking","lead-machine-learning-scientist-business-banking-at-monzo-com-aug-11-2026-19db61","

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 team

Our 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 on

As 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 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 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 haves

Experience 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 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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interview

What’s in it for you

✈️ We can help you relocate to the UK

✅ We 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 training courses and conferences

➕And much more, see our full list of benefits here

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

#LI-REMOTE #LI-SR1

Equal opportunities for everyone

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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

",["D",1786465562000],[624,625,626,627,628,629,630,631],{"_65":85,"_67":86,"_69":87},{"_93":639,"_95":96},{"_93":638,"_95":113},{"_93":637,"_95":106},{"_93":636,"_95":106},{"_93":635,"_95":113},{"_93":634,"_95":118},{"_93":633,"_95":118},{"_93":632,"_95":118},{"_65":154,"_71":120,"_67":155,"_69":156,"_95":118},{"_65":119,"_71":120,"_67":121,"_69":122,"_95":123},{"_65":145,"_71":120,"_67":146,"_69":147,"_95":123},{"_65":225,"_71":98,"_67":226,"_69":227,"_95":113},{"_65":171,"_71":108,"_67":172,"_69":173,"_95":111},{"_65":150,"_71":108,"_67":151,"_69":152,"_95":111},{"_65":114,"_71":98,"_67":115,"_69":116,"_95":113},{"_65":97,"_71":98,"_67":99,"_69":100,"_95":96},"default","current","top","bottom","greenhouse_io","Monzo is a UK-based digital bank providing personal and business accounts through a mobile app with a focus on intuitive money management. It serves over 14 million customers and is a fully licensed and regulated bank in the UK.","https://monzo.com",{"_22":812,"_813":814},"toast","filters",[652,653,654,655,656,657,658,659,660,661,662,663,664,665,666,667,668,669,670,671,672,673,674,675,676,677,678,679,680,681,682,683,684,685,686,687,688,689,690,691],"analytics",{"_65":809,"_14":810,"_69":811},{"_65":806,"_14":807,"_69":808},{"_65":803,"_14":804,"_69":805},{"_65":800,"_14":801,"_69":802},{"_65":797,"_14":798,"_69":799},{"_65":794,"_14":795,"_69":796},{"_65":791,"_14":792,"_69":793},{"_65":788,"_14":789,"_69":790},{"_65":785,"_14":786,"_69":787},{"_65":782,"_14":783,"_69":784},{"_65":779,"_14":780,"_69":781},{"_65":776,"_14":777,"_69":778},{"_65":773,"_14":774,"_69":775},{"_65":770,"_14":771,"_69":772},{"_65":767,"_14":768,"_69":769},{"_65":764,"_14":765,"_69":766},{"_65":761,"_14":762,"_69":763},{"_65":758,"_14":759,"_69":760},{"_65":755,"_14":756,"_69":757},{"_65":752,"_14":753,"_69":754},{"_65":749,"_14":750,"_69":751},{"_65":746,"_14":747,"_69":748},{"_65":743,"_14":744,"_69":745},{"_65":740,"_14":741,"_69":742},{"_65":737,"_14":738,"_69":739},{"_65":734,"_14":735,"_69":736},{"_65":731,"_14":732,"_69":733},{"_65":728,"_14":729,"_69":730},{"_65":725,"_14":726,"_69":727},{"_65":722,"_14":723,"_69":724},{"_65":719,"_14":720,"_69":721},{"_65":716,"_14":717,"_69":718},{"_65":713,"_14":714,"_69":715},{"_65":710,"_14":711,"_69":712},{"_65":707,"_14":708,"_69":709},{"_65":704,"_14":705,"_69":706},{"_65":701,"_14":702,"_69":703},{"_65":698,"_14":699,"_69":700},{"_65":695,"_14":696,"_69":697},{"_65":692,"_14":693,"_69":694},"0b97a312-0f65-48cd-9b3d-f146c138cfbe",".NET jobs","net-jobs","ebf71731-d2c0-49c6-956e-b8769916d5b8","Unity jobs","unity-jobs","a0f4c71f-6a35-47ae-bf4c-8ac20c1cb8d1","CSS jobs","css-jobs","042cd5b5-1dd1-4f07-91d1-469ff27ee1ec","gRPC jobs","grpc-jobs","0be1b018-0289-44cc-b679-8a7cb6d83c2c","Vuex jobs","vuex-jobs","8203730b-6bae-42d9-ad06-af473e4d526e","iOS jobs","ios-jobs","6a783f3a-62c5-47fb-baa8-7b293cb86b28","MongoDB jobs","mongodb-jobs","d1a8a791-26a8-49e5-9c56-fa7dc7e94409","AWS jobs","aws-jobs","9a065a08-8b44-4cbf-95c2-e15d2f1ce2d7","Electron jobs","electron-jobs","244eeac1-46a8-4b0c-bfc7-e6dfe2f7058f","MVC jobs","mvc-jobs","5ae11518-261e-4b97-b7ad-0be11645ac3e","Cypress jobs","cypress-jobs","d3c53034-1884-47aa-a7e8-7922cc57a336","Elasticsearch jobs","elasticsearch-jobs","be74bef3-8c01-481d-866c-cf259966c72a","JWT jobs","jwt-jobs","252d0ac3-f1bb-4b6f-a6c6-571d50021613","Serverless jobs","serverless-jobs","047387d9-77ae-42bf-9e10-abb18e6c3ad5","GraphQL jobs","graphql-jobs","9f7e9856-4e9d-4097-85ab-7e8e5073b343","React jobs","react-jobs","da5a2dab-935f-43aa-805a-b4847d818eea","Ansible jobs","ansible-jobs","978dda2b-6a13-4ca9-b13d-86a562ba897c","Android jobs","android-jobs","699661f8-269f-4e7b-a0b1-f0d3422a2729","Blockchain jobs","blockchain-jobs","5545eceb-b2fa-4b9d-a63c-ec404449aafe","Bun jobs","bun-jobs","8778f686-3509-4ac5-b373-621e0c57d2a9","S3 jobs","s3-jobs","411d1ffd-5cac-4e96-9506-9ba72d17fec5","API jobs","api-jobs","a3eb0f70-eba5-46de-a86c-0a427f6c79d2","TDD jobs","tdd-jobs","4861834e-6d23-461f-a91e-5b1fe3e84604","EC2 jobs","ec2-jobs","a31805d3-2bcc-4a50-8b74-8a2fbbd0dd4d","Docker jobs","docker-jobs","04ffd7db-36b3-4971-a008-453a4644d3d7","Remix jobs","remix-jobs","5592d84b-74bf-4308-9891-0512ba152a32","Vue jobs","vue-jobs","8f46b327-ebce-414c-83bf-cd888dc05407","Flutter jobs","flutter-jobs","d17e99ba-b364-4469-a036-cf2bc3a27aa1","Web3 jobs","web3-jobs","3f319cef-27df-4535-8c9f-73ac128644b3","Next.js jobs","next-js-jobs","00ac9095-bd38-475c-8c2e-e75977c44eff",".NET Core jobs","net-core-jobs","185592c3-7b22-4962-ab9e-15e3839ca99d","React Native jobs","react-native-jobs","dd5e8b34-539d-4b38-bd62-9f1f77dd41ce","ASP.NET jobs","asp-net-jobs","c1136caf-1ab5-4de2-94ff-6aa01376b9b6","Astro jobs","astro-jobs","4f0b038c-be9b-43b4-92cd-eba2258ea860","Azure jobs","azure-jobs","b1d9c383-0296-4781-88b5-913b2f724ab4","GIT jobs","git-jobs","f15868ea-68cc-4805-a09b-da0c42170372","Ruby on Rails jobs","ruby-on-rails-jobs","74f79424-182a-44c0-933c-216a6334f85d","jQuery jobs","jquery-jobs","147abb45-3ef9-47c9-87d6-045ef8dc4e42","JSON jobs","json-jobs","f6c9d2c7-5b05-4abe-8415-d23625545a28","Nuxt.js jobs","nuxt-js-jobs","https://jobsfordevelopers.com","image","https://jobsfordevelopers.com/images/social/default.png"]

Monzo

Automate your job search with AI

Get 1-on-1 mentorship to land your dream job

Popular searches