As a Senior Fraud Risk Manager, you'll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence!

You'll get to work across current accounts, business banking, international accounts, and more.

Your Core Focus Areas include:

• Fraud Strategy & Operational Execution: Join squad leadership to turn our big-picture fraud vision into practical roadmaps for our UK and EU Banks.
• Control Framework & Fraud SME: Be our go-to expert on fraud typologies and prevention tools, overseeing end-to-end design and rollout of strong controls.
• Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements.
• Cross-Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward.
• People Leadership & Capability Building: Coach, mentor, and grow a fantastic fraud risk team while supporting everyone's personal and professional development.

We'd love to hear from you if…

• You have strong experience leading fraud strategy and risk teams, ideally in a fast-moving, regulated environment.
• You know UK & EU fraud regulations inside out.
• You're skilled at building tech-driven fraud strategies that scale across operations.
• You have a proven track record of delivering end-to-end projects and large-scale change programs.
• You stay plugged into industry trends and can quickly respond to new fraud risks.
• You excel at balancing fraud risk with business goals and collaborating to ship new products safely.
• You're a supportive coach who loves developing high-performing teams.
• You're an empathetic communicator who aligns messaging with our core values.
• You're data-driven, comfortable self-serving data, and love using tech to solve problems.
• You hold a relevant industry qualification (such as ICA, Cifas, ACAMS, or CFE).

What's in it for you

• £108,700 - £140,000 + equity + Incentive Awards tied to your performance + Benefits

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We're looking for an experienced, hands-on and enthusiastic Senior Director of Global Tax to lead the Global Tax team at Monzo, and our wider finance team.

Key Responsibilities:

• Global tax strategy: Defining how Monzo approaches tax across the UK, Europe, and future markets.
• International expansion: Structuring cross-border expansion across Europe and future regions.
• Transfer pricing: Establishing, documenting, and defending our global transfer pricing strategy and intragroup financing arrangements.
• Total tax ownership: Overseeing group Direct Tax, Indirect Tax, Employment Tax, Transfer Pricing, and Operational Customer Taxes across all locations.
• Tax authority relationships: Acting as the primary liaison with HMRC and international tax authorities.
• Product and commercial advisory: Working directly with product managers, engineers, and treasury to understand what they want to build and ensuring the tax treatment is clear from day one.
• Leading the team: Mentoring and leading our tax team, fostering a culture of technical excellence, autonomy, and commercial focus.
• AI and automation: Designing a tech-enabled tax operating model that embeds AI, workflow tools, and automation across our compliance, reconciliations, and contract reviews.

Requirements:

• Qualified tax professional or accountant (CTA, ACA, ACCA, ADIT, or international equivalent).
• Led an in-house tax team at scale, ideally within banking, fintech, or a regulated multinational.
• Empathetic, effective people leader with a strong track record of coaching individuals and fostering a positive, high-performing environment.
• Practical experience with cross-border tax issues, international structuring, and transfer pricing.
• Understands operational and customer taxes common to financial services.
• Excited by modern technology, data, and AI, with a clear view on how tools can automate workflows, reduce human error, and modernise routine tax tasks.

Benefits:

• Dependent on experience + Incentive Awards tied to performance
• Flexible working hours
• £1,000 learning budget each year
• Macbooks provided
• Extra support for work-from-home setup
• Lots more!

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As a Senior Android Engineer at Monzo, you'll play a key role in evolving our native mobile app, building polished user experiences, and balancing the need for well-tested resilient code with moving fast and iterating.

You'll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Data Scientists.

Our Android app is 100% Kotlin, built using MVVM (Model View ViewModel) and Coordinators, and modularised by product feature. We use RxJava, Retrofit and Moshi for API calls and Dagger for dependency injection.

We'd love to hear from you if:

• You care about the impact your work has on our customers, and optimise for outcomes rather than the number of lines of code you output
• You're excited about and have experience in programming in Kotlin
• You've shipped and iterated on at least one app in the Play Store
• You have a product mindset: you care about customer outcomes and you want to make data-informed decisions
• You love turning excellent design into beautiful products
• You're comfortable working in a team that deals with ambiguity
• You have an understanding of computer science principles

What's in it for you:

• Base salary depending on experience + Incentive Awards tied to your performance + benefits
• 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

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As our lending portfolio grows, our second line of defence Credit Model Validation team is growing with it - and we're looking for a Credit Model Validation Manager to join us!

Our Credit Model Validation team provides independent oversight and challenge to our model development teams in the first line of defence. We help Monzo grow safely and make sure the models we use are fit for purpose, appropriately governed and deliver good outcomes for our customers.

You'll join our validation squad and provide expert independent validation and oversight across a broad suite of credit models. This is a generalist role rather than one focused on a particular model type. You'll work across models used for impairment, capital, stress testing, forecasting and credit decisioning, including IFRS 9 PD, LGD, EAD and economic response models; decision science scorecards and origination PD models; and Net Present Value (NPV) / unit economics models.

Responsibilities:

• Leading hands-on independent validation across Monzo's credit model portfolio - covering models used for IFRS 9 impairment, capital and stress testing, forecasting, credit decisioning and unit economics - and making sure they are fit for purpose, appropriately governed and performing as expected
• Reviewing and challenging key model-led credit risk assessments, including impairment adequacy, ICAAP and stress testing, using independent analysis to assess assumptions, limitations and impacts
• Developing a deep understanding of Monzo's credit models and how they are used, and using this to provide impactful input and challenge to model developers and users
• Contributing to making model validation more consistent, scalable and technology-enabled - building reusable analytical tools and tests, experimenting with AI-assisted approaches and helping the team embed them safely
• 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, model replication and challenger work where appropriate to test assumptions, assess performance and strengthen validation conclusions
• Improving and helping to embed our Model Risk Framework, including our policies, standards, model inventory, governance and validation approach
• Writing clear and impactful model validation reports, and presenting the findings and actions in relevant committees
• Partnering with colleagues in first line of defence credit strategy, modelling and finance teams - and with wider risk teams across Monzo - to support effective model governance and consistent validation standards across the organisation

Requirements:

• Have a strong background and practical experience in credit model development and/or validation across a range of model types
• Understand model risk management in practice, including independent validation, model governance, ongoing monitoring, model change and issue management, and how regulatory expectations apply across the model lifecycle
• Are impact-driven and want to improve how validation is done, not only complete individual reviews
• Are curious about AI and automation, and can assess where they add value, the risks they introduce, and the controls and human oversight needed
• Are data driven, with strong analytical skills and deep knowledge of statistical techniques for credit and model risk
• Can assess models in the context of how they are used - including accounting, capital, credit strategy, risk appetite and customer outcomes - and can distinguish technical model performance from the wider risks of relying on the model
• Have strong written and verbal communication skills, and are able to articulate problems and solutions using clear and simple language
• Have a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challenge

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As a Senior Manager in the second line of defence, you will provide independent oversight, challenge, and advisory support on the effectiveness of our operational, technology, resilience, and information security risk management practices across the EU.

Key Responsibilities:

• Acting as the second line subject matter expert for operational risk, technology, and operational resilience
• Reviewing and challenging the design and effectiveness of controls over key technology systems and digital infrastructure
• Providing effective oversight and challenge of first line risk and control self-assessments, incident management, and risk mitigation processes
• Supporting the development and maintenance of our Operational Risk Management Framework, policies, and standards
• Co-ordinating second line assurance reviews and risk deep dives into critical operational and technology areas
• Overseeing ongoing compliance with the digital operational resilience act (DORA) in the EU
• Preparing operational and technology risk reports for relevant governance forums

Requirements:

• 8+ years' experience in operational risk, technology risk, or related roles in financial services
• Deep knowledge of risk management practices, regulatory expectations, and industry standards
• Strong understanding of digital banking technology, including cloud computing, cybersecurity, and data management
• Experience in evaluating and challenging risk and control environments
• Strong analytical, problem-solving, and project management skills
• Excellent stakeholder management and communication skills

What We Offer:

• Salary range: €92,000 - €116,000
• Incentive Awards tied to your performance
• Hybrid working model, based in our Dublin office 2-3 days a week
• Flexible working hours
• Annual Leave: 34 days including public holidays
• €1,200 learning budget each year
• Private healthcare scheme
• Pension scheme with 4% minimum contribution and matching up to 6%
• Wellbeing benefits, including financial education, women's and men's health support, and mental health benefits

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As a Software Engineer III, you will collaborate with your team to make a difference to customers. You will 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!

Your day-to-day will involve building and supporting a particular part of Monzo's banking platform. You will work on a wide range of projects, from products customers use every day to underlying infrastructure, security, payments, and finance.

We have over 650 engineers across Monzo who design and build our in-house banking platform. We contribute to open source software as much as possible.

Responsibilities:

• Collaborate with your team to make a difference to customers
• Build and support a particular part of Monzo's banking platform
• Work on a wide range of projects, from products customers use every day to underlying infrastructure, security, payments, and finance

Requirements:

• Strong experience working on the backend of a technology product
• Product mindset: care about customer outcomes and want to make data-informed decisions
• Comfortable working in a team that deals with ambiguity
• Interested in distributed systems and writing resilient software
• Experience with strongly-typed languages (Go, Java, C, Scala etc.)

Benefits:

• Base salary depending on experience
• Incentive Awards tied to performance
• Flexible working hours
• Learning budget of €1,200 a year for books, training courses, and conferences

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As a Staff Technical Program Manager, Operations, you will lead complex company-wide programmes driven by the Operations collective.

Key Responsibilities:

• Lead end-to-end planning and execution of major product or platform programs that cross multiple teams and markets
• Manage cross-collective programmes: define programme roadmaps and milestones, set priorities, manage trade-offs, identify and manage the critical path and risks, ensure alignment with the business goals and ambition
• Collaborate and communicate with multiple stakeholders, both technical and non-technical across the business to ensure alignment and speed of delivery
• Manage dependencies, timeline and the sequencing of delivery
• Drive effective decision making to remove blockers
• Ensure operational effectiveness across your collective/area

You should apply if:

• You have strong experience managing complex technology programmes or products from inception to launch
• You’re an exceptional communicator who can create clarity for technical and non-technical audiences
• You are comfortable working in a global business with a presence in multiple markets and want to be part of scaling this further
• You can work effectively with a diverse range of people and working styles to get stuff done, and are able to thoughtfully and constructively challenge and influence the people you work with
• You can make complex work easy to understand without losing the important detail
• You understand how functionality comes together (across products and platforms) to deliver value for users, and can proactively identify and mitigate delivery risks, and can propose and drive a technical solution
• You are comfortable personally diving deep into the data to make good decisions in complex situations where there’s often no “right answer”
• You can influence across teams even when you don’t manage them directly and can influence senior leaders, resolve disagreement and build alignment without relying on authority.
• You’ve driven organisation-wide change and can show how you supported adoption, not only delivery

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As a Senior Technical Program Manager at Monzo, you'll join our Engineering teams across Payments and Business Banking, helping us deliver complex, high-impact programmes as we continue to grow.

Depending on the team you join, you could be:

• Payments: helping us ship more and better payment products, working across teams to solve complex technical challenges and improve how money moves for millions of customers.
• Business Banking: helping us build Monzo into the financial control centre for SMEs.

Your responsibilities will include:

• Leading end-to-end planning and execution of launching payment products that cross multiple teams and disciplines
• Managing cross-collective programs, defining program roadmaps and milestones, setting priorities, managing trade-offs, identifying and managing critical path and risks
• Collaborating and communicating with multiple stakeholders, both technical and non-technical across the business to ensure alignment and speed of delivery
• Managing dependencies, timeline and sequencing of delivery
• Driving effective decision making to remove blockers and speed up delivery

To apply, you should have:

• 5+ years of experience managing complex technology programs or products from inception to launch
• Excellent communication skills, able to communicate clearly and persuasively to a wide range of audiences
• Experience working in a global business with a presence in multiple markets
• Ability to work effectively with a diverse range of people and working styles
• Understanding of how functionality comes together to deliver value for users

The interview process consists of a recruiter call, initial call, and loop stage.

We offer a competitive base salary and stock options, as well as benefits such as flexible working hours, learning budget, and relocation assistance.

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As a Staff Data Scientist at Monzo, you'll lead efforts on strategically important, business-critical problems, applying judgement in areas of organisational or technical complexity.

Responsibilities:

• Shape and lead the data strategy for a large domain or collective, connecting customer and commercial goals to a clear portfolio of high-impact Data Science work
• Identify, frame and lead strategically important problems where the path is ambiguous, dependencies span teams, and decisions involve meaningful customer, commercial, regulatory or operational trade-offs
• Partner with senior leaders across product, engineering, ML, design, research, risk and operations, bringing an independent technical perspective that influences strategy and turns it into measurable outcomes
• Establish measurement strategies and metric maps that clarify how customer behaviour, product changes and business outcomes connect, enabling teams to test assumptions and make better decisions faster
• Set and evolve best practices for experimentation, causal inference, forecasting, optimisation and decision science, choosing methods that are proportionate to the decision and its risks
• Remain hands-on where your expertise is most valuable: exploring complex data, designing analyses and experiments, building models or prototypes, and resolving the hardest technical questions
• Steward critical data products and initiatives end-to-end, ensuring they are robust, well-governed, clearly documented and adopted by the people who need them
• Balance pace and analytical rigour, making pragmatic trade-offs while protecting the quality, reproducibility and interpretability of your work
• Raise Data Science standards across Monzo through technical direction, proposals, reviews, reusable methods and thoughtful challenge
• Coach and mentor data scientists and analytics engineers, using live projects and wider discipline initiatives to build sustainable capability beyond your own individual output

Requirements:

• Exceptional track record of leading complex, business-critical Data Science work from ambiguous problem framing through to measurable outcomes
• Shaped strategy across a large product or business domain and can influence senior leaders through clear, independent judgement
• Deep expertise across several Data Science disciplines and can set the technical direction for work involving significant complexity, uncertainty or risk
• Repeatedly create clarity across organisational boundaries, resolve difficult dependencies and turn long-term strategy into decisive action
• Communicate complex ideas, assumptions and risks with clarity, and hold a consistently high bar for analytical quality, governance and reproducibility
• Highly credible hands-on practitioner with SQL and Python

What we offer:

• £124,400 - £165,000 + Incentive Awards tied to your performance + Benefits
• Flexible working hours and trust to work enough hours to do your job well
• Learning budget of £1,000 a year for books, training courses and conferences
• Relocation assistance to the UK or Spain
• Visa sponsorship

Interview process:

• Recruiter Call
• Initial Call
• Technical assessment
• Final Interviews
• Business Fit/Collaboration
• Case Study
• Technical Interview

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As a Senior Staff Backend Engineer at Monzo, you will partner with Engineering Directors to shape the technical and product direction of a collective, providing leadership across multiple squads (30–70+ engineers) and ensuring alignment with company-wide priorities.

Responsibilities:

• Partner with Engineering Directors to shape technical and product direction
• Be hands-on in coding and architecture, leading from the front
• Collaborate with Product and Design leadership to define strategy and roadmaps
• Mobilise teams around high-impact problems, creating clarity and alignment
• Lead architectural direction for complex systems, ensuring cohesive designs
• Set and uphold a high bar for technical excellence across the collective
• Mentor, sponsor, and develop senior engineers and future leaders

You'll be using:

• Go for application code
• Cassandra for persistent data storage
• Kafka for asynchronous message queue
• Kubernetes and Docker for scheduling and running services
• AWS for production infrastructure and GCP for data infrastructure
• React for internal Web dashboards
• Feast for storing features

Requirements:

• Track record of leading complex, high-impact systems
• Strong technical judgment with product and business awareness
• Experience with scalable backend, distributed, or data-intensive systems
• Comfortable operating in ambiguous problem spaces
• Ability to influence and align senior stakeholders
• Focus on outcomes and impact, using data to guide decisions
• Enjoy mentoring and raising the bar for other engineers

Benefits:

• Base salary £155,000 - £200,000 + Equity
• Flexible working hours and trust to work enough hours to do your job well
• £1,000 learning budget each year
• Macbooks provided for all employees
• Extra support for work-from-home setup for remote workers

Locations & Flexible Working:

• Main tech hub in London, but engineers live throughout the UK
• No mandated requirement on office attendance
• Monzo will support relocation costs if needed

Application journey:

• 4 key steps: Recruiter Call, Initial Call, System Design Interview, Take home task or pair coding exercise, Final interview
• Process takes around 3-4 weeks

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As a Staff 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! You'll build and support a particular part of Monzo.

Our engineering teams use a range of tools and technologies, including:

• Go for application code
• Cassandra for persistent data storage
• Kafka for asynchronous message queue
• Envoy Proxy for RPC
• Kubernetes and Docker for scheduling and running services
• AWS for infrastructure
• React for internal web dashboards

You'll collaborate across disciplines to test hypotheses and make a difference to customers. We're looking for someone with strong experience working on the backend of a technology product, a product mindset, and experience with strongly-typed languages.

We offer a salary of £130,000 - £170,000 + Equity, as well as benefits including flexible working hours, a learning budget of £1,000 a year, and relocation support.

The interview process involves three main stages: Initial Call, Take home task or pair coding exercise, and Final interview including a system design and a behavioural interview.

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As a Senior Software Engineer at Monzo, you will collaborate with your team to make a difference to customers. You will work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, and writers.

Your responsibilities will include:

• Building and supporting a particular part of Monzo's banking platform
• Working with a variety of technologies including Go, Cassandra, Kafka, Kubernetes, Docker, Envoy Proxy, AWS, and GCP
• Collaborating with cross-functional teams to solve interesting challenges

Requirements:

• Strong experience working on the backend of a technology product
• Product mindset: caring about customer outcomes and making data-informed decisions
• Comfortable working in a team that deals with ambiguity
• Experience with strongly-typed languages (Go, Java, C, Scala etc.)

Benefits:

• Base salary depending on experience
• Incentive Awards tied to performance
• Flexible working hours
• Learning budget of €1,200 a year
• Hybrid model: 3 days a week in the office

Job Data by YubHub.

As a Staff Backend Engineer at Monzo, you'll collaborate across disciplines to test hypotheses and make a difference to customers. You'll work in a squad alongside product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more!

Responsibilities You'll be working on:

• Building and supporting a particular part of Monzo's banking platform
• Collaborating with cross-functional teams to solve problems and change lives through Monzo
• Working with a range of tools and technologies, including Go, Cassandra, Kafka, Envoy Proxy, Kubernetes, Docker, AWS, and React

Requirements

• Strong experience working on the backend of a technology product
• Product mindset: caring about customer outcomes and wanting to make data-informed decisions
• Comfortable working in a team that deals with ambiguity
• Experience with strongly-typed languages (Go, Java, C, Scala etc.)
• Interest in distributed systems and writing resilient software

Benefits

• Base salary range depending on experience
• Equity and stock options
• Flexible working hours
• Learning budget of €1,200 a year for books, training courses, and conferences

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As a Staff Analytics Engineer in our Borrowing team, you will play a key role in architecting and scaling our data layer, designing and governing data products, building feature stores, and driving cross-product data consistency.

Responsibilities:

• Architecting Borrowing's data layer at scale, partnering with Analytics Engineering, Product, Engineering, Credit, and Data Platform teams.
• Designing and governing data products, moving beyond ad-hoc tables toward well-defined, contractual data assets.
• Building feature stores and reusable analytical assets, identifying cross-product signals.
• Scaling our analytics engineering infrastructure, shaping tooling, patterns, and developer experience.
• Driving cross-product data consistency, ensuring data models are coherent and comparable.
• Being a senior technical partner for Borrowing's data estate, partnering with backend engineers, product managers, and senior leadership.
• Leading through influence and leverage, setting patterns, unblocking architectural decisions, and raising the bar on what good looks like.

Requirements:

• Experience in designing data architectures that span multiple products or domains.
• Ability to build data products, not just data models.
• Deep fluency with analytics engineering systems and infrastructure.
• Experience in designing reusable feature layers.
• Comfortable at the platform boundary, able to have productive conversations with Data Platform engineers.
• Ability to connect technical choices to business outcomes.
• Leadership skills, ability to lead through others.
• Excellent communication skills, able to communicate across altitudes.

Benefits:

• Salary: £121,600-164,600 + Incentive Awards
• Flexible working hours
• Learning budget of £1,000 a year
• Relocation assistance
• Visa sponsorship
• Remote work options

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We're looking for a Senior Risk & Compliance Officer to oversee risk management and compliance activities for the Spanish Branch of Monzo Bank Europe.

Key Responsibilities:

• Implement Monzo's Risk Management Framework in Spain
• Monitor key material risks covering operational, conduct, and compliance risks
• Support regulatory engagements with Banco de España
• Provide independent oversight and advice to the Spain Branch Manager
• Develop and maintain risk and compliance dashboards, metrics, and data analytics capabilities
• Champion a strong risk and compliance culture across Monzo's Spanish operations

Requirements:

• Minimum 7 years of experience in Risk Management, Compliance, or Internal Audit within a regulated retail bank, digital bank, or top-tier fintech operating in Spain
• Deep understanding of Banco de España regulations and broader EBA/ECB regulatory requirements
• Proven experience in working with regulatory authorities and managing compliance-related audits
• Demonstrated experience managing or overseeing multiple risk types
• Native or completely bilingual Spanish speaker with excellent professional proficiency in English

What We Offer:

• Salary range of €75,000 - €95,000 + Incentive Awards tied to your performance
• Hybrid working model, based in our Madrid office 2-3 days a week
• Flexible working hours and trust you to work enough hours to do your job well
• Annual Leave - 38 days including public holidays
• €1,200 learning budget each year
• Private healthcare scheme
• Wellbeing benefits: financial education, women's and men's health support, mental health benefits

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We're looking for a Senior Risk & Compliance Officer to oversee risk management and compliance activities for the Spanish Branch of Monzo Bank Europe.

In this role, you will implement Monzo's Risk Management Framework in Spain, monitor the Branch's key material risks covering operational, conduct and compliance risks, and support regulatory engagements particularly with Banco de España.

Acting as a trusted advisor to the Spain Branch Manager, you will provide independent oversight, challenge and advice across a broad spectrum of risks including Credit, Operational, ICT/Security, Conduct, Compliance and Business risks.

Key Responsibilities:

• Local Branch Risk & Compliance Oversight and Governance
• Operational, ICT, Security, Data & Third-Party Risk Oversight
• Conduct Risk, Compliance & Consumer Protection
• Credit & Business Risk Oversight
• Deputy MLRO & FinCrime Oversight

Requirements:

• Minimum of 7 years of experience in Risk Management, Compliance or Internal Audit within a regulated retail bank, digital bank, or top-tier fintech operating in Spain
• Deep understanding of Banco de España regulations and broader EBA/ECB regulatory requirements (CRD V, PSD2/3, GDPR, DORA, AML/CFT)
• Proven experience in working with regulatory authorities and managing compliance-related audits
• Demonstrated experience managing or overseeing multiple risk types, with specific expertise in Operational Risk, ICT/Security Risk, Conduct risk, Compliance Risk and basic Credit Portfolio Quality reviews
• Native or completely bilingual Spanish speaker with excellent professional proficiency in English (written and spoken)

What We Offer:

• Salary range of €75,000 - €95,000 + Incentive Awards tied to your performance
• Hybrid working model, based in our Barcelona office 2 - 3 days a week
• Flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team
• Annual Leave - 38 days including public holidays
• €1,200 learning budget each year to use on books, training courses and conferences
• Private healthcare scheme
• Wellbeing benefits: financial education, women's and men's health support, mental health benefits, including coaching and counselling

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The Role: We're looking for several Senior PMMs to own Product Marketing for entire products and experiences. You'll be embedded in squads with Product Managers, Data Scientists, Designers, User Researchers, and Sales, bringing the voice of the customer and market into what we build, how we position it, and how we take it to market.

Key Responsibilities:

• Set Product Marketing Strategy for a set of products
• Develop differentiated positioning & messaging
• Drive competitive intelligence and market insights
• Shape product strategy across markets
• Set the go-to-market strategy for priority products and markets
• Own product representation across the customer journey
• Enable localisation

This is a senior individual contributor role. You'll own Product Marketing for a product end-to-end: understanding customers, shaping product strategy, defining positioning, and helping bring launches to market.

We offer:

• £80,000 - £105,000 as a base salary
• 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

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As a Senior Product Marketing Manager at Monzo, you'll own Product Marketing for one of our most important products across Core Banking, Borrowing, and Wealth.

You'll work closely with Integrated Marketing, Product Managers, Designers, and Researchers to shape product strategy, define positioning, and bring launches to market.

Key responsibilities:

• Own Product Marketing for a product end-to-end
• Build a deep understanding of customers, competitors, and category
• Define positioning and messaging that resonates with customers
• Influence product strategy with customer and market insight
• Shape successful launches and measure their impact

Requirements:

• You enjoy owning entire products
• You solve ambiguous problems with evidence
• You know what makes products win
• You influence through collaboration
• You're always improving and helping others improve

Benefits:

• £70,000 - £105,000 base salary
• Flexible working hours
• Learning budget of £1,000 a year
• Hybrid approach of office-based and home working or remote work within the UK

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As a Senior Product Manager for Web Growth, you will deliver the future of how people first discover Monzo and start their journey with us on the web.

You will own our web acquisition domain across monzo.com: how we land, educate and convert millions of visitors into active customers.

Your responsibilities include:

• Leading the charge: build a product vision and strategy for monzo.com, ensuring alignment with Monzo's goals and an exceptional customer experience.
• Communicating effectively: you get people inspired by the web growth vision and you share the right context with the right people at the right time.
• Collaborating seamlessly: partner with engineering, design, data, research and marketing across Monzo to create a strategy and deliver.
• Delivering impact: define, deliver and measure the impact of the web experiences you create.

Requirements:

• Experienced product manager, having led high-performing teams to ship high-converting web experiences and acquisition funnels at a fast-growing company.
• Track record of leading consumer web efforts that drive significant top-of-funnel value, turning visitors into active customers.
• Exceptionally data-driven and commercial, with a high bar for rapid experimentation.
• Track record of collaborating with data scientists to build attribution models, run multi-variant tests and measure downstream activation.
• Ability to systematically break down and solve complex problems.
• Good judgement, and a track record of making good decisions in complex situations.
• Urge and resilience to challenge the status quo and make things better.
• Ability to work effectively with a diverse range of people and working styles.

Benefits:

• £100,000 - £125,000 salary
• Incentive Awards tied to your performance
• Flexible working hours
• £1,000 learning budget each year
• Macbook and support for work-from-home setup
• Relocation assistance
• Visa sponsorship

Application process:

• Recruiter screen
• Meet with our PM team
• Product full loop

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As the Senior Product Director for Business Banking, you will define and drive the product strategy, vision, and execution for one of Monzo's most strategically important product areas.

Responsibilities:

• Product Strategy & Vision: Set a bold, customer-centric, commercially grounded product strategy for Business Banking.
• Develop and articulate a compelling long-term product vision that positions Monzo as the leader in differentiated business financial experiences.
• Combine customer insights, market trends, and commercial priorities into a roadmap that delivers measurable business impact.

Innovation & Differentiation:

• Foster a culture of innovation that challenges conventions and inspires teams to build category-defining experiences.
• Identify and pursue opportunities to meaningfully differentiate Monzo's business banking offerings.
• Drive teams to create unique, delightful products based on exceptional product taste.

Analytical & Strategic Depth:

• Spar with data scientists and use data to understand 'the why' behind customer behaviour, product performance, and opportunities.
• Help teams deepen their analytical thinking, improving decision-making quality across the org.

Execution & High-Performance Culture:

• Build an execution engine that consistently delivers against ambitious goals.
• Create extreme clarity on priorities, establish strong processes, remove blockers, and maintain team momentum.
• Instil a culture of ownership, speed, and high performance.

Leadership & Organisational Impact:

• Be a self-starter with a strong bias for action,willing to lead from the front when needed and empower from behind when that's best.
• Take full ownership of the Business Banking product area, operating with autonomy and accountability.
• Identify organisational inefficiencies and design structures that enable teams to thrive.
• Hire, coach, and develop exceptional product managers, helping them reach their full potential and cultivating the next generation of Monzo product leaders.

Requirements:

• You are a seasoned product leader, and have a track record of leading high-performing product teams at a fast-growing consumer tech company.
• You're data-driven and commercial, and have a track record of collaborating with data scientists to define key metrics, run experiments, and deliver business impact.
• You can systematically break down and solve complex problems.
• You have good judgement, and you're able to make good decisions in complex situations where there's often no 'right answer'.

Benefits:

• Base salary dependent upon experience + Stock Options
• Flexible working hours
• Learning budget of £1,000 a year for books, training courses and conferences
• And much more

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As a Senior PR and Communications Manager, you will lead PR activities and campaigns in multiple European markets outside of the UK. You will devise and execute PR strategies that support business goals and showcase the best of Monzo in other markets.

Responsibilities:

• Plan and execute PR activity in established European markets, Ireland, and Spain.
• Lead and implement go-to-market PR strategy for Monzo in new markets across EU.
• Find creative ways to get Monzo into consumer press through big campaigns and smaller reactive, locally relevant news jumps.
• Balance global campaigns with localised stories.
• Manage spokespeople and act as a strategic advisor to senior leaders on external communications.
• Collaborate cross-functionally with product, commercial, and operations teams.
• Manage current international agencies and team members.
• Build strong relationships with key media and journalists.
• Use data and insights to inform and adapt strategy.

Requirements:

• Proven experience leading tailored and scalable PR strategies for multiple international markets.
• Experience launching brands with little brand awareness in new markets across Europe.
• A track record of building and managing high-performing teams.
• Strong experience working with and managing external agencies.
• Ability to understand local media, audience nuances, and adapt strategy.
• Exceptional written and verbal communication skills.
• Ability to thrive in fast-paced, evolving environments.

Benefits:

• £95,000 - £115,000 salary
• Flexible working hours
• Substantial learning budget
• Macbook and comprehensive support for remote work
• Lots more!

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As a Senior Machine Learning Manager, Borrowing, you will lead a high-calibre team of ML scientists and help define Borrowing's ML roadmap across UK growth, new customer segments, and EU expansion.

Responsibilities:

• Lead a high-calibre team of ML scientists
• Define Borrowing's ML roadmap across UK growth, new customer segments, and EU expansion
• Work across underwriting, pricing, limits, and lifecycle decisioning
• Improve today's models while helping build the next generation of capability for Monzo
• Partner closely with leaders across Credit Strategy, Product, Engineering, Model Validation, Data, and Platform

Requirements:

• 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 leading and developing senior ML scientists
• Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation

Nice to Have:

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

Benefits:

• £138,000 to £176,000 salary
• Incentive Awards tied to your performance
• Stock options
• Flexible working hours
• Learning budget for books, training courses, and conferences
• Support for remote setups
• Relocation assistance
• Visa sponsorship

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As a Senior iOS Engineer at Monzo, you'll play a key role in evolving our native mobile app, building polished user experiences, and balancing the need for well-tested resilient code with moving fast and iterating.

You'll work in a small, autonomous product squad alongside Android Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Data Scientists.

Our iOS app is 100% Swift, with features built in SwiftUI and using elements of The Composable Architecture.

We're looking for someone who cares about the impact of their work on customers, optimizes for outcomes, and has experience programming in Swift.

In return, we offer a base salary depending on experience, Incentive Awards tied to performance, and benefits, including a learning budget of €1,200 a year.

Responsibilities

• Build polished user experiences, balancing well-tested resilient code with moving fast and iterating
• Work in a small, autonomous product squad with cross-functional teams
• Contribute to open-source software and participate in regular knowledge-sharing sessions

Requirements

• Experience programming in Swift
• Shipped and iterated on at least one app in the App Store
• Product mindset, caring about customer outcomes and data-informed decisions
• Comfortable working in a team that deals with ambiguity
• Understanding of computer science principles

Benefits

• Base salary depending on experience
• Incentive Awards tied to performance
• Learning budget of €1,200 a year
• Flexible working hours
• Hybrid model: 3 days a week in the office

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As a Senior Growth Marketing Executive, Business Banking EU, you'll play a key role in delivering our EU growth strategy, taking ownership of the day-to-day execution and optimisation of our Direct Mail campaigns, while also supporting activity across Paid Social and Search.

Key Responsibilities:

• Support the end-to-end delivery of activity across our European markets, from campaign planning and set up through to optimisation, measurement and reporting
• Take a leading role in delivering and optimising our Direct Mail activity, including audience selection, campaign planning, creative development, supplier coordination, testing and performance analysis
• Support campaign execution across Paid Social and Paid Search, working closely with our channel managers to launch and optimise activity
• Help develop testing strategies around account structure, campaign planning, experiments, and creative roadmaps
• Work closely with local market teams and our Brand, Integrated Marketing, Creative, Product and Data teams to deliver campaigns that are locally relevant and grounded in customer insight
• Share learnings across the wider Growth Marketing team, helping us build repeatable playbooks for launching Monzo Business in new markets

This is for you if:

• You put the customer first
• You take a ‘test and learn’ approach and love agile ways of working
• You have experience delivering Direct Mail campaigns, ideally within an acquisition or growth marketing environment
• You have experience across, or are curious to expand your skills into, other performance channels such as Paid Social and Paid Search
• You like to use data to tell a story about performance and understand how our business customers engage with us
• You’re highly organised and enjoy getting campaigns from idea through to execution, coordinating across different teams and partners

The team: You'll join our Growth Marketing team at Monzo and report into Ashil Shavdia, Growth Marketing Lead (Business Banking).

What’s in it for you:

• £42,500 - £55,500 as a base salary
• 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

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As a Senior Fraud Operations Manager, you will oversee our outsourced partners, holding them accountable for SLAs and performance. You will need to have in-depth data analysis expertise and a strong commitment to data-driven decision making, alongside a solid understanding of day-to-day fraud operations and deep knowledge of fraud, disputes, and chargebacks rules and models implementation.

Your responsibilities will include:

• Driving strategic partners oversight: Ensuring that our outsourcing partners for fraud and disputes operations are operating effectively.
• Monitoring our fraud and disputes metrics and driving action delivery with our product teams to address the trends.
• Combining hands-on execution with strategic thinking to align cross-functional teams with our fraud and disputes vision and strategy.
• Helping to build and oversee solutions with technology at the heart of our fraud monitoring mitigation strategies to cover the various fraud typologies using automated alerts.
• Supporting the Director of FinCrime, Fraud and Disputes operations with producing Committee packs.
• Supporting and managing the oversight of change implementation, making prioritisation calls of those initiatives.
• Working closely with the second line of defence and our Money Laundering Reporting Officer (MLRO) to complete assurance activity, identification and remediation of any actions.
• Collaborating across the company to remove roadblocks and solve complex challenges relating to Monzo's EU expansion.
• Supporting 3rd line of defence with auditing activities.
• Being an excellent partner to our third party vendors, unblocking and empowering their teams for high delivery and high performance.

We'd love to hear from you if:

• You excel at leveraging robust data insights and analytics to drive strategic decision-making.
• You are a problem solver who takes initiative to create a high impact for stakeholders.
• You excel at stakeholder management and coordination across multiple teams.
• You have previous experience of achieving results through 3rd party/outsourcing management and you're excited about working in a cross-functional team with engineers and data scientists to empower third party vendors' success.
• You have previous experience leading and managing Fraud operations in payments or banking.
• You enjoy partnering with 3rd party vendors, data scientists, and second line of defence (2LOD) to proactively mitigate and respond to existing and emerging fraud trends.
• You understand the Financial crime, money laundering risks of the various products and services operating in the fintech space.
• You champion the use of automated processes to find more efficient ways of working.

In terms of benefits, we offer:

• A salary range of €76,500 - €95,500 + Incentive Awards tied to your performance
• Hybrid working model, based in our Dublin office 3 days a week
• Flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team
• Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)
• €1,200 learning budget each year to use on books, training courses and conferences
• Private healthcare scheme
• Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%
• Wellbeing benefits: financial education, women's and men's health support, mental health benefits, including coaching and counselling

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We are looking for a Senior Financial Crime Ops Manager to join our EU team in Dublin. You will report to the EU Director of FinCrime, Fraud and Dispute Operations and oversee our outsourced partners, holding them accountable for SLAs and performance.

Key responsibilities:

• Drive strategic partners oversight
• Monitor FinCrime metrics and drive action delivery with product teams
• Combine hands-on execution with strategic thinking to align cross-functional teams with our FinCrime, AML/CTF vision and strategy
• Help build and oversee solutions with technology at the heart of our screening, onboarding, and transaction monitoring mitigation strategies
• Support the Director of FinCrime, Fraud and Disputes operations with producing Committee packs
• Support and manage the oversight of change implementation
• Work closely with the second line of defence and our Money Laundering Reporting Officer (MLRO)
• Collaborate across the company to remove roadblocks and solve complex challenges
• Support 3rd line of defence with auditing activities
• Be an excellent partner to our third-party vendors

Requirements:

• Leverage robust data insights and analytics to drive strategic decision-making
• Excel at stakeholder management and coordination across multiple teams
• Previous experience of achieving results through 3rd party/outsourcing management
• Previous experience leading and managing FinCrime operations in payments or banking
• Understand the Financial crime, money laundering risks of various products and services operating in the fintech space
• Champion the use of automated processes to find more efficient ways of working

Benefits:

• Salary range of €76,500 - €95,500 + Incentive Awards tied to your performance
• Hybrid working model, based in our Dublin office 3 days a week
• Flexible working hours
• Annual Leave - 34 days including public holidays
• €1,200 learning budget each year
• Private healthcare scheme
• Pension scheme
• Wellbeing benefits

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As a Senior Financial Crime Investigator, you'll play a key role in supporting our customers by investigating complex or high-risk anti-money laundering alerts on business or retail accounts, recommending Suspicious Transaction Reports (STR) to Monzo Bank EU, making business onboarding decisions in high-risk or complex cases, conducting ongoing due diligence on high-risk business accounts, and providing financial crime expertise and support to other operational teams across the business.

You'll have strong English written and verbal communication skills, be fluent in Spanish, and have experience of conducting high-risk business banking screening or complex business financial crime investigations, making independent, risk-based financial crime decisions in a regulated financial services firm, and knowledge of the current financial crime landscape in the UK and the EU, and associated financial crime risks.

The role is remote-based in the UK, with a salary of £31,100 - £39,350 (+ £2,500 Multilingual Premium) + Incentive awards tied to your performance. You'll also receive a £1,000 learning budget each year, and we guarantee to approve time off on your birthday if it falls on a day you're scheduled to work and it's outside of your training period.

The application journey has 4 key steps: Application questions, Call with a Recruiter, Take home task to assess your financial crime knowledge, and Interview to discuss your previous experience and technical knowledge and values & language assessment.

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As a Senior Finance Business Partner in our Commercial finance team, you will partner with our Borrowing collective to support Flex Credit cards, Loans, and Overdraft portfolios.

Your responsibilities will include:

• Being the single point of contact between the business and finance
• Diving deep into data to identify trends, opportunities, and stories that can improve profitability and growth
• Analysing and scoping new markets and products
• Presenting ideas and working with stakeholders across engineering, legal, risk management, product, strategy, and marketing
• Designing and building new processes for effective decision-making
• Supporting the build of a highly competent and motivated team of financial analysts

To be successful in this role, you will need:

• Demonstrable experience in financial business partnering with senior business leaders
• Strong financial modelling skills, preferably with advanced Excel and Google Sheets
• Experience with SQL and Python
• Great analytical and problem-solving skills
• Good interpersonal and influencing skills
• Experience building business cases and presenting investment choices

We offer a salary of £84,200 - £99,000, plus incentive awards tied to your performance.

Benefits include:

• Flexible working hours
• £1,000 learning budget per year
• Hybrid working environment

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As a Senior Engineering Manager at Monzo, you'll lead multiple teams in an organisation of around 20-30 people, growing and building new squads as needed.

Your direct reports will include Tech Leads, Senior Engineers, and 2-3 Engineering Managers.

You'll be responsible for structuring, organising, supporting, and challenging your team to deliver on their mission.

We recognise that Senior Engineering Managers lead in different ways, we're looking for someone who is adept at:

• Delivery and Execution: taking accountability for delivery across your squad(s), collaborating with the Technical Lead and Product Manager.
• Engineering and Operational Excellence: actively fostering a high bar for engineering excellence within your teams.
• People Leadership: having experience directly managing at least 2-3 Engineering Managers and leading orgs of around ~20 engineers.
• Technical Influence: partnering with senior engineers to drive technical initiatives that raise the bar for our engineering practices.
• Stakeholder Relationships: building strong stakeholder relationships with other teams.
• Organisational Wide Impact: collaborating with the wider engineering organisation to contribute to company-wide best managerial and technical practices and standards.

Locations & Flexible Working: our main tech hub is in London, but our engineers live everywhere in the UK.

We value meeting in person but there's no pressure to come into the office, even if you're nearby.

Benefits include:

• £138,000 - £175,000 + Equity
• Learning budget of £1,000 a year for books, training courses, and conferences
• Flexible working hours
• Opportunities for relocation and visa sponsorship

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As a Senior Product Data Scientist, you'll help supercharge user engagement and build a bank that customers truly love. You'll work in cross-functional squads with engineers, designers, marketers, and product managers.

Your day-to-day will involve:

• Applying expertise in quantitative analysis, data mining, and presenting data to inform product strategy
• Guiding product teams to measure what matters and running A/B experiments
• Driving a unified understanding of user lifetime value with the finance team
• Liaising with engineers to ensure relevant data collection

You should apply if you're impact-driven, commercially-minded, and have a self-starter mindset. You should be comfortable with SQL and Python, and have experience in conducting large-scale A/B experiments.

We offer a salary of £80,000 to £95,000, plus incentive awards tied to your performance, and a range of benefits.

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As a Senior Credit Risk Manager, Credit Platform, you will lead a team of five Credit Analysts, shaping the evolution of our platform, pushing the boundaries to unlock the next generation of lending capabilities and drive efficiencies. You will define the roadmap for Monzo's Credit Platform, evolving the shared infrastructure that enables Product Credit teams to develop, evaluate and deploy lending strategies across our retail and business lending products in the UK and new global markets.

Your responsibilities include:

• Shaping the Credit Platform
• Building Credit Valuation Infrastructure
• Leading and developing a high-performing team
• Partnering across Monzo
• Influencing through technical leadership

Requirements:

• Technical and strategic credit leader with extensive experience in unsecured lending
• Deep understanding of lending economics, NPV modelling, and credit decisioning infrastructure
• Experience in fast-paced environments, designing frameworks from scratch, and delivering meaningful change
• Exceptional cross-functional leadership skills
• Strong analytical and data capabilities, with technical coding skills (SQL, Python, Looker)

Benefits:

• Salary: £125,400 - £169,600 + Incentive Awards
• Flexible working hours
• Learning budget of £1,000 a year
• Relocation assistance
• Visa sponsorship
• And more

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As a Senior Backend Engineer at Monzo, you'll collaborate with your team to make a difference to customers. 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!

Your day-to-day will involve building and supporting a particular part of Monzo's banking platform. Our squads belong to our wider collectives, which are self-governing business units of around 100 people. We're looking for engineers to join our collectives, which include Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion.

We're a flexible organisation that values 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.

Responsibilities

• Collaborate with your team to make a difference to customers
• Build and support a particular part of Monzo's banking platform
• Work in a squad alongside other disciplines
• Contribute to open source software

Requirements

• Strong experience working on the backend of a technology product
• Product mindset: you care about customer outcomes and want to make data-informed decisions
• Comfortable working in a team that deals with ambiguity
• Experience with strongly-typed languages (Go, Java, C, Scala etc.)

What we offer

• £105,000 - £135,000 + Incentive Awards tied to your performance
• Flexible working hours and trust you to work enough hours to do your job well
• Learning budget of £1,000 a year for books, training courses and conferences
• Opportunity to relocate to the UK
• Visa sponsorship available

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As a Sales Account Executive, you will be part of the Business Banking Sales team, supporting complex high-value customers with their banking needs.

Key responsibilities:

• Engage with prospective small-medium business customers through discovery calls
• Drive the full sales cycle, from prospecting to activation
• Guide customers through Monzo's business banking offerings
• Manage a pipeline of leads with strong attention to data hygiene
• Collaborate internally with marketing, product, risk, and customer operations
• Deliver outstanding service at every touchpoint
• Achieve sales targets and feed insights back to the team

Requirements:

• Experience in Small Business sales, ideally selling business solutions or financial services
• Proven track record of meeting sales quotas in a performance-driven environment
• Expert at managing a full sales cycle
• High emotional intelligence and ability to build relationships with customers
• Strategic communicator, excellent at building trust and helping customers discover value
• Adaptable and resilient, with a strong winning mindset
• Can communicate clearly, written, verbal, and via video
• Coachable and comfortable seeking constructive criticism
• Comfortable working in a fast-moving, high-change environment

Nice-to-haves:

• Prior experience in a regulated environment (banking)
• Experience with Salesforce
• Familiarity with SMBs in specific verticals

Benefits:

• £67,000 Total OTE (base salary + commission)
• 4 days a week in our London office with occasional flexibility to work remotely
• Flexible working hours
• £1,000 learning budget each year
• Macbooks provided for all employees

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As a Regulatory Reporting Analyst at Monzo, you will play a key role in our regulatory reporting team, producing and submitting regulatory reports, and collaborating with teams across the organisation.

Responsibilities

• Producing Monzo’s regulatory liquidity reporting, ensuring robust and consistent controls across all outputs to support regulatory compliance and internal governance requirements
• Documenting the applicable regulatory interpretations and communication
• Assisting the wider team produce Monzo’s capital and liquidity regulatory reporting and disclosures (including Pillar 3)
• Executing and improving the controls required to ensure regulatory reporting is timely, accurate and complete
• Ensuring all our regulatory reporting runs like clockwork
• Using data visualisation tools to build dashboards and facilitate sign-off and useful insights
• Designing brilliant ways to automate your work and leverage technology to ensure we scale with the business

Requirements

• Good understanding and experience of producing LCR, NSFR, PRA110, ALMM returns
• Sharp eye for detail and excited by data
• Knowledge of coding languages like SQL (a bonus, but willingness to learn is fine)
• Proven record of delivering to strict deadlines
• Ability to automate or enhance recurring processes, particularly by leveraging technology

Benefits

• Up to £55,000 salary (depending on experience)
• Incentive awards tied to your performance
• Flexible working hours
• £1,000 learning budget each year
• £200 allowance to spend on your work-from-home setup
• Hybrid working model (1-2 days per week in the office)

Application Process The application journey has 4 key steps:

1. Phone call with recruiter (30 mins)
2. Initial call with hiring manager (30 mins)
3. Technical interview with hiring manager and team member (45 mins)
4. Monzo behavioural interview (30 min)

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As a Prudential Risk Manager at Monzo, you will be part of the broader 2LoD Risk and Compliance department. You will champion our value to 'grow Monzo safely.' Your focus will involve collaborating with 1st Line Financial Risk to provide expert second-line oversight of their key prudential regulatory deliverables including the ICAAP, Recovery Plan and Resolution Planning.

The role will also interpret and assess the impact of regulatory change and support the review and development of financial models used for financial forecasting, capital planning, and stress testing.

Key responsibilities:

• Supporting the oversight of key regulatory deliverables and enhancement plans in line with Monzo's approach, regulatory expectations and industry best practices.
• Identification and interpretation of regulatory rules, providing oversight and challenge and ensuring these are applied correctly.
• Support the production of reports and options on Monzo's financial position and controls framework for key risk committees and the Board, making recommendations for ensuring controls are effective and prudential regulatory compliance.
• Work alongside the Group Risk team to ensure Monzo's Group Financial Risk Framework and Financial Projections Framework are adhered to, and that suitable controls and policies are in place.
• Review financial models used for financial forecasting, capital planning and stress testing (including the ICAAP and Recovery Plan), owned by the 1st Line of Defence, within G-Sheets and Anaplan, including running sensitivity analysis and forming insights, observations and recommendations.
• Conduct discrete pieces of assurance to support the strengthening of risk and controls in Monzo.
• Develop strong relationships with colleagues to support the embedding of prudential risk management activity.

Requirements:

• Relevant prudential experience gained within a bank, a consultancy, or a regulatory body.
• Genuine desire to learn and grow, and excitement about building enhanced 2LoD oversight within a dynamic, fast-paced environment.
• In-depth knowledge/experience of the relevant regulatory requirements, specifically in relation to capital, recovery planning and resolution.
• Advanced Excel/ G-sheet skills and experience of building or reviewing financial models to support financial forecasting or capital planning.
• Interest in analysing data, performing analysis and understanding the impact on our bank to form risk insights.
• Good relationship builder who can develop productive working connections with 1LoD stakeholders across all levels of the business.

Benefits:

• £64,000 - £80,000 + Incentive Awards tied to your performance.
• Flexible working hours and trust to work enough hours to do your job well.
• £1,000 learning budget each year.
• MacBooks provided for remote workers.

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We are looking for several Product Marketing Leads to set the market intelligence and product strategy for individual product Collectives.

As a Product Marketing Lead, you will own Product Marketing for a Collective: understanding customers, shaping product strategy, defining positioning, and guiding how launches land in the market.

Key Responsibilities:

• Set strategy for multiple categories
• Set the market intelligence agenda
• Shape what gets built
• Define positioning that moves the business
• Own how we go to market
• Raise the bar for Product Marketing

Great PMMs come from all sorts of places. This is for you if:

• You think beyond a single product
• You own the hardest calls in your domain
• You bring senior people with you
• You're a player/coach

The Interview Process:

• Initial Call (45mins)
• Case Study Presentation (1hour)
• x2 final interviews via Google Meet (45mins for each interview)

What's in it for you:

• £100,000 - £133,000 as a base salary
• Flexible working hours and trust you to work enough hours to do your job well
• Learning budget of £1,000 a year for books, training courses and conferences

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As a Product Manager, Finance, you will be responsible for building foundational financial infrastructure, including ledgers, data, controls, reporting, reconciliation, and platform capabilities that help Monzo understand, account for, and manage money across the bank.

Key responsibilities:

• Building the roadmap for Finance Infrastructure within Payments Platform and executing on it
• Partnering closely with Engineering, Finance, and Payments leaders to understand what Monzo needs from its financial systems
• Translating complex finance, accounting, operational, and regulatory needs into scalable platform capabilities
• Prioritising across competing stakeholder needs, balancing urgent delivery with long-term system health
• Helping Monzo build financial infrastructure that can support multiple products, entities, countries, currencies, and regulatory environments

Requirements:

• Strong Product Manager with experience owning complex technical, platform, infrastructure, or financial systems
• Technical depth to partner credibly with engineers and reason about systems, trade-offs, dependencies, and long-term architecture
• Experience with "boring but critical" infrastructure, such as ledgers, reconciliation, financial data, controls, reporting, internal platforms, abstractions, or backend systems
• Ability to work with senior and cross-functional stakeholders, including Finance, Engineering, Product, and operational teams

Benefits:

• £80,000 - £125,000 salary
• Equity and Incentive Awards tied to performance
• Flexible working hours and remote work options
• £1,000 learning budget each year
• Macbook and support for work-from-home setup

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As a Product Director, Flex (Borrowing) at Monzo, you will lead Flex into its next phase of growth.

About the role: Flex is one of Monzo's fastest-growing and most commercially significant products. You will define how we scale borrowing responsibly, expand into new segments, and continue building products customers genuinely love. You will work closely with Engineering, Credit, Data, Design, and senior leadership to identify new opportunities, optimise performance across complex segments, and deliver at pace.

Responsibilities:

• Set the strategy for Flex - Set direction for one of Monzo's most important revenue-driving products
• Identify and unlock new commercial opportunities across customer segments
• Navigate complex trade-offs between growth, risk, and customer outcomes
• Drive commercial performance - Work closely with Credit teams to shape propositions across multiple risk segments and cohorts
• Interrogate performance deeply , from unit economics to long-term profitability curves
• Identify and drive new commercial opportunities
• Champion the customer - Ensure Flex remains rooted in strong customer outcomes, not just revenue
• Push for simple, transparent, and delightful experiences
• Advocate for customer experience alongside commercial outcomes
• Build and lead a high-performing team - Manage and develop a team of Product Managers
• Deliver multiple high-impact initiatives through your direct reports
• Raise the bar on product thinking and foster a culture of high standard and high velocity

Requirements:

• Commercial Thinking - Strong commercial instinct , you think in terms of trade-offs, economics, and outcomes
• Comfortable operating in complex environments (e.g. multiple segments and cohorts with different commercials)
• Able to engage deeply with Credit and Data partners
• Experience in lending, credit cards, or adjacent borrowing products
• Consumer Focus - You start with the customer never lose track of their needs
• You're willing to challenge revenue-driven decisions when they conflict with good customer outcomes
• You have strong product taste and care deeply about experience quality
• Execution & Leadership - Proven ability to deliver in fast-paced environments with multiple workstreams
• Comfortable going deep in the detail while leading through others
• Strong cross-functional leadership across technical, credit, and governance stakeholders

Benefits:

• Base salary dependent upon experience + Stock Options + Benefits
• 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

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You'll be joining our Tax Team and will be leading on all taxes that touch our customers and their tax reporting, across the UK and Europe. You’ll report into our Tax Governance Lead.

This role covers all taxes that relate to customer liabilities or customer tax reporting. These are a core part of product design: we make sure we comply with our own obligations, and we make it as easy as possible for customers to comply with theirs.

Key Responsibilities:

• Owning operational tax: Be Monzo’s subject matter expert on operational tax, advising the business and making sure we meet our obligations as we grow and enter new markets.
• Leading compliance & controls: Own our operational tax processes and controls across jurisdictions, including BBSI, ISA reporting, FATCA and CRS, Corporate Criminal Offence and CT61s, plus overseas equivalents.
• Shaping new products: Partner with Product and local market teams from the outset to embed tax into product design, build the right reporting and controls, and pressure-test edge cases.
• Staying ahead of change: Keep on top of tax laws, regulations and case law across the UK and EU, translating changes into clear actions and helping Monzo prepare for new requirements.
• Partnering across Monzo: Work closely with Product, Financial Crime, Engineering, Legal, EU Next Markets and Finance to solve problems and support business initiatives from an operational tax perspective.

Requirements:

• You’re a qualified accountant and/or qualified tax advisor, or qualified by significant experience.
• You have significant in-house experience working in Operational Tax.
• You’re comfortable working relatively autonomously.
• You’re energetic and are hands-on with your work, tackling whatever needs doing to make things happen.
• You have an eye for detail and enjoy working methodically through processes.

Benefits:

• £94,700 - £111,400 + incentive awards tied to your performance
• Flexible working hours
• £1,000 learning budget each year
• Macbooks provided
• Extra support for work-from-home setup

Application Process:

• Phone call with Recruiter (30 mins)
• Initial video call with Tax member (30 mins)
• Case study video interview with Hiring Manager and Tax member (60 mins)
• Stakeholder interview (45 mins)

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As a Model Validation Senior Manager, you will lead the oversight of Generative AI models/use cases across Monzo's Operations squads to provide assurance that the models/use cases we use are not only good for Monzo but what's best for our customers.

Key Responsibilities:

• Drive the embedding of the Model Risk Framework for Generative AI use cases across Monzo
• Lead the collaboration with the first line of defence teams to strengthen policies, standards and procedures for Generative AI model, use case, system design and build, implementation, governance, monitoring and use
• Help embed best practice of Generative AI across the business
• Own the setting and maintenance of Generative AI validation methods, evidence expectations and reusable technical assets with relevant 1LoD modelling teams
• Convert modelling/validation experience into controlled playbooks, tests and working examples that can be applied to 2LoD Validation standards and processes for all Generative AI models, use cases, systems
• Coach Generative AI validation methodologies to 2LoD Model Oversight colleagues
• Perform, and oversee, independent model validations of new Operational models, and changes to existing ones
• Build relationships with first line of defence modelling teams and wider risk teams
• Review ongoing model performance monitoring to ensure Operational models are performing within risk thresholds
• Monitor and measure the overall level of Operational model risk that Monzo operates

Requirements:

• Robust Data Science or Machine Learning background with strong Python capability
• Experience with design of Generative AI evaluation frameworks, architectures, methods, practical tooling and platform alignment
• Knowledge of Gemini implementations and change assessment
• Experience of managing a modelling project through its full lifecycle
• Great communication and interpersonal skills

What We Offer:

• £85,000 - £105,000 salary
• Incentive Awards tied to your performance
• Flexible working hours
• £1,000 learning budget each year
• And lots more!

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As a Lead Product Manager for Growth, you will define and deliver the future of how people first experience Monzo.

You will own the strategic direction across our core growth engines: how we attract, onboard and activate people from their very first interaction.

Responsibilities:

• Leading the charge: set a durable product vision and strategy that spans multiple cycles, ensuring alignment with Monzo's goals and an exceptional customer experience.
• Communicating effectively: you get people inspired by the product vision and you share the right context with the right people at the right time.
• Collaborating seamlessly: lead through influence across collectives, building deep partnerships with engineering, design, data, fincrime, legal and marketing to resolve complex organisational trade-offs.
• Delivering impact: define, deliver and measure the impact of the customer-focused experiences you create.
• Establishing high-velocity operating rhythms that empower squads to switch seamlessly between rapid experimentation, deep iteration and bold 0-1 builds.

Requirements:

• You are a seasoned growth product manager, and have led multiple high-performing teams to ship world-class products at a fast growing company.
• You have a track record of leading high-scale consumer growth efforts that drive significant top of funnel value for customers and scaling for the business.
• You're exceptionally data-driven and commercial, and you know when to lean on rapid experimentation and when to move quicker with high conviction from first principles.
• You can systematically break down high-ambiguity product spaces that lack precedent, structuring clear narratives that cut through noise and align teams.
• You have excellent judgement, and have a track record of making good decisions in complex situations where there's often no 'right answer'.
• You hold an uncompromising standard for product craft, moving effortlessly between high level company strategy and deep execution.
• You can work effectively with a diverse range of people and working styles - spanning engineering, design, data, user research, marketing, legal and compliance - to get stuff done.
• You're a great storyteller, who is able to motivate, energise and inspire people towards a common goal.
• You have experience mentoring, coaching or managing other product managers, setting a high performance bar and multiplying your impact through the people around you.

Benefits:

• £120,000 - £140,000 salary
• Equity
• Incentive Awards tied to your performance
• Flexible working hours
• £1,000 learning budget each year
• Macbook and work-from-home setup provided

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As a Lead Product Designer at Monzo, you will play a key role in tackling complex design challenges, defining and delivering large-scale projects, and leading the creation of compelling product visions.

Responsibilities:

• Tackle complex design challenges, turning complexity into elegant solutions
• Define and deliver large-scale projects that connect initiatives across the business
• Lead the creation of compelling product visions, principles, and direction
• Use AI to level-up parts of your design workflow
• Raise the bar for visual execution, considering motion, interaction, and mental model clarity
• Positively influence our design system, tooling, and processes
• Drive improvements across the business through cross-functional collaboration
• Act as a role model in Design, sharing your work broadly, mentoring others, and contributing to the growth and success of the Design team

Requirements:

• Proven track record of delivering impactful, customer-centric native-app designs
• Skilled at leading research, defining product visions, and aligning teams around a shared strategy
• Excel at creating modular, scalable solutions and communicating insights effectively
• Natural collaborator who can navigate multi-squad projects and drive clarity in ambiguous situations
• Passionate about improving design systems, processes, and ways of working
• Role model who actively contributes to the growth of the Design team

Benefits:

• £90,000 - £120,000 salary
• Incentive Awards tied to your performance
• Flexible working hours
• £1,000 learning budget each year
• Macbook and support for remote work setup

Application process:

• 30-minute call with Recruiter
• 1-hour craft interview
• 2 x 45-minute interviews

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As a Lead Machine Learning Scientist, Search, 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.

Responsibilities

As a Lead Machine Learning Scientist, you'll be a technical leader and individual contributor. 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.

Requirements

• 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

Nice to haves

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

Benefits

• £115,000 - £150,000 + Incentive Awards tied to your performance
• Flexible working hours
• Learning budget of £1,000 a year for training courses and conferences
• Relocation assistance
• Visa sponsorship

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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.

Responsibilities

• 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
• Work with stakeholders across the organization to identify and scope out the most impactful opportunities to tackle Financial Crime and Fraud with Machine Learning
• Lead the design and development of advanced real-time Machine Learning models
• Provide technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline

Requirements

• Multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems
• Experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact
• 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
• Extensive experience writing production Python code and a strong command of SQL
• Comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity

Nice to Haves

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

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As a Lead Machine Learning Scientist, Customer Operations, you'll be at the forefront of our mission to provide unparalleled customer support experiences. You'll leverage state-of-the-art machine learning techniques to understand customer problems and lead the development of an effective human-in-the-loop system.

Your day-to-day:

• Work with stakeholders to identify and scope out impactful opportunities to transform Customer Operations with Machine Learning.
• Lead the design and development of advanced Machine Learning models.
• Provide technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline.
• Steer ongoing technical strategy, working closely with our MLOps team and backend engineers.

You should apply if:

• You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models.
• You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production.
• 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 extensive experience writing production Python code and a strong command of SQL.

Nice to haves:

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

What's in it for you:

• £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits
• Flexible working hours and trust you to work enough hours to do your job well
• Learning budget of £1,000 a year for training courses and conferences

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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.

Responsibilities

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.

Requirements

You should apply if:

• 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.

Benefits

We offer:

• £115,000 - £150,000 + Incentive Awards tied to your performance
• Flexible working hours
• Learning budget of £1,000 a year for training courses and conferences
• And much more

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As a Lead Data Scientist, you'll help supercharge user engagement and build a bank that customers truly love. You'll lead the data strategy, develop best practices for experimentation, and collaborate with leaders across product, engineering, design, and research.

Responsibilities:

• Lead the data strategy and continue to evolve Monzo for our customers
• Develop and execute best practices for experimentation
• Collaboratively set standards and work with data across Monzo
• Work closely with leaders in product, engineering, design, and research

Requirements:

• Enjoy working with cross-functional teams
• Think strategically about commercial products and data-driven decisions
• Excited about mentoring other data scientists and analytics engineers
• Experience with experimentation and new data techniques
• Willing to challenge the status quo

Benefits:

• £95,000 to £130,000 + Incentive Awards
• Flexible working hours
• Learning budget of £1,000 a year
• Relocation assistance
• Visa sponsorship

Interview process:

• Recruiter Call
• Initial Call
• Technical assessment
• Final Interviews
• Business Fit/Collaboration
• Case Study
• Technical Interview

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As a Finance Forecasting Modeller, you will join our Capital, Impairments & Forecasting team, which sits at the intersection of our Borrowing and Finance collectives.

The role involves developing, executing, and managing models used to calculate IFRS 9 ECL and credit risk capital through the annual ICAAP.

Key responsibilities include:

• Assisting with continuous improvement of forecasting models
• Developing best practices for financial modelling across Monzo
• Presenting forecast model results to senior management
• Collaborating with portfolio strategy, model validation, finance, and external audit teams

Requirements:

• Background in financial forecast modelling or execution
• Strong analytical skills and experience delivering technical projects
• Solid technical toolkit, including SQL and Python
• Ability to convey complex issues and priorities to non-experts
• Impact-driven and eager to have a positive impact on the company

Nice to have:

• Experience working in regulatory stress testing exercises
• Familiarity with Google Cloud Platform, dbt, BigQuery SQL, Anaplan, and Github

Benefits:

• £79,000 to £106,800 salary
• Incentive awards tied to performance
• Flexible working hours
• Learning budget of £1,000 a year
• And more

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As an Engineering Manager at Monzo, you'll be part of cross-functional, autonomous teams and groups, focusing on people, product, and technical leadership.

Your responsibilities will include:

• Taking accountability for delivery across your squad(s), collaborating with the Technical Lead and Product Manager.
• Fostering a high bar for engineering excellence within your teams.
• Leading a group of around 7-10 engineers, supporting, coaching, and developing them through their careers.
• Partnering with senior engineers to drive technical initiatives that raise the bar for engineering practices.
• Leading communication with stakeholders from other teams.

We're looking for someone with:

• Experience working as a software engineer in previous roles.
• Strong technical and delivery background.
• Ability to operate with ambiguous problem areas and a high degree of autonomy.
• Experience working in an experimentation-led environment (nice to have).
• Delivery experience and ability to guide squads in achieving outcomes.
• Focus on outcomes over processes.
• Understanding of what good looks like for a high-performing team of engineers.
• Ability to coach people to achieve their goals.
• Natural ability to inspire and motivate a team.

In return, you'll get:

• Base salary of £112,000 - £145,000 + Incentive Awards tied to your performance.
• Flexible working with no company mandate on how often you need to come into the office.
• Learning budget of £1,000 a year for books, training courses, and conferences.
• And much more (see our full list of benefits).

Our interview process involves two main stages: Initial Call Interview and Loop Stage.

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As an Engineering Director, you'll lead a distributed engineering organisation across the UK, Spain, and remote locations.

Responsibilities

• 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.

Requirements

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

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As a Director of Product Design at Monzo, you'll lead design across Payments, one of Monzo's most important and fast-evolving multi-market business areas.

You'll partner closely with senior leaders across Product and Engineering to shape strategy, set direction, and drive exceptional execution across your area.

Key responsibilities:

• Set the strategic direction and design vision for your area, inspiring teams to think bigger and bolder, whilst aligning with Monzo goals and mission.
• Partner with the leadership team for your area to define priorities, shape roadmaps, and turn strategy into impactful execution.
• Build and nurture a high-performing design team - investing in their growth, wellbeing, and long-term success.
• Maintain an exceptional quality bar across all design work through clear feedback and coaching, helping designers and teams consistently deliver best-in-class experiences.
• Create an environment where feedback is open, craft is celebrated, and design quality continues to evolve across the organisation.
• Act as a champion for design at Monzo, influencing how design thinking shapes our products and culture.

Requirements:

• You've led design strategy and vision across complex product areas, helping teams navigate ambiguity and deliver meaningful customer and business impact.
• You're comfortable operating at multiple altitudes, from defining long-term direction to driving high-quality execution.
• You build strong partnerships across Product, Engineering, Research and Commercial, and know how to influence senior stakeholders through clarity, insight, and craft.
• You have a strong point of view on product design and consistently raise the bar for quality, systems thinking, and customer experience.
• You've built and led high-performing design teams, creating environments where people can grow, do exceptional work, and have meaningful impact.
• You know how to scale design influence across an organisation, shaping product direction, ways of working, and culture beyond your immediate team.

Benefits:

• £140,000 - £165,000 + Equity + Benefits
• 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)
• Flexible working hours and trust-based work culture
• £1,000 annual learning budget for books, training, and conferences
• Full remote setup support, including equipment and workspace essentials

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As a Data Science Manager, you'll lead one of our key product areas for Financial Crime, working closely with Product, Risk, and Engineering peers.

Your responsibilities include:

• Building and improving financial crime detection, prevention, and mitigation
• Leading a cross-functional team and championing the data strategy
• Collaborating with Product Managers, engineers, and Financial Crime control owners
• Generating insights to change the direction of our financial crime strategy
• Hiring, developing, and retaining talented Data people

Requirements:

• At least 4 years of experience as a Data Science Manager
• Strong strategic data leadership and experience working with executive or C-level peers
• Familiarity with various Data Science tools and coding languages (Python, SQL)
• Experience in financial crime, fraud detection, or similar areas is a plus

Benefits:

• Salary: £100,000 to £130,000 + Incentive Awards
• Flexible working hours and trust to work enough hours to do your job well
• Learning budget of £1,000 a year for books, training courses, and conferences
• Relocation assistance to the UK
• Visa sponsorship

We offer a range of benefits, including flexible working hours, a learning budget, and relocation assistance.

Job Data by YubHub.

As a Data Science Manager at Monzo, you'll lead a team of Data Scientists and other Data professionals within one of our product or business areas, combining people leadership with strategic data leadership and close partnership with senior stakeholders.

Responsibilities

• Lead, develop and grow a team of exceptional Data Scientists and other Data professionals.
• Hire, coach and retain talented people while creating an environment where they can develop and do their best work.
• Set the Data Science direction for your area and identify where data can have the greatest customer and business impact.
• Partner with Product, Engineering and senior stakeholders to shape strategy and influence product direction.
• Bring analytical rigour to complex and ambiguous problems and help teams turn them into clear, actionable opportunities.
• Ensure teams are using the right analytical approaches, from experimentation and causal inference through to statistical modelling and machine learning.
• Help connect Data Science work to measurable customer, product and commercial outcomes.
• Work with Analytics Engineering, Machine Learning and other Data disciplines to ensure teams have the data, tooling and infrastructure they need.
• Contribute to the wider Data Science discipline at Monzo, helping us continually raise the bar for how we work.

Requirements

• Significant experience managing and developing Data Scientists.
• Strong strategic data leader who uses data to influence decisions and direction.
• Experience partnering with senior and executive stakeholders across different functions and levels of seniority.
• Comfortable working autonomously in a fast-growing and evolving organisation.
• Strong understanding of Data Science approaches including experimentation, causal inference, statistical analysis and machine learning.
• Comfortable with tools and languages such as Python and SQL, and understand how to choose the right analytical approach for a problem.
• Can build credibility with Product, Engineering and senior business leaders and influence without relying on authority.
• Strong product judgement and experience using Data Science to shape product development and strategy.
• Know how to balance technical excellence with pragmatic decision-making and business impact.
• Experience helping Data Scientists develop their technical, product and leadership capabilities.

Benefits

• Salary: £100,000 to £130,000 + Incentive Awards tied to your performance
• 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
• Relocation assistance to the UK
• Visa sponsorship
• Distributed working within the UK, with ad hoc meetings in London

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As a Data Director in Payments at Monzo, you would help shape seamless local payment experiences, ensuring customers can pay and get paid reliably while continuing to modernise the infrastructure that powers millions of transactions behind the scenes.

Responsibilities

• Establish yourself as a trusted member of the Payments Leadership team, enabling better decisions across Payments and the wider Data Discipline
• Co-drive Payments strategy and product decisions with Product and Engineering, bringing Data into discovery early to shape priorities and challenge thinking
• Identify untapped opportunities for commercial optimisation, including across pricing, commercialisation, investment and customer growth
• Set the data strategy for Payments, including the operating model, team priorities, architecture, technical debt and key metrics and drivers
• Translate between technical, product and commercial perspectives to help teams make clear, high-impact decisions
• Develop and scale a high-performing team of data professionals sharing accountability for product and business outcomes.

Requirements

• Experience driving payments innovation and product strategy forward in a fast-growing business
• Deep Data expertise with strong product and commercial judgement
• Ability to move comfortably from detailed metrics or architecture discussions to customer strategy, pricing and business outcomes
• Empathetic people leadership skills to build trust quickly, raise the performance bar and retain excellent talent
• Experience growing and leading a full stack data team, including individual contributors and managers across Data Science, Analytics Engineering, Machine Learning Engineering and Analytics
• Experience collaborating with senior cross-functional stakeholders across Product, Engineering, Design, Marketing and risk/control functions

Benefits

• Base salary £150,000 - £200,000 + Equity + Benefits
• Flexible working hours and trust 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

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As Data Director for EU expansion, you'll lead the Data team and shape our product strategy as we grow, deciding where we place our bets, working out what to measure before there's a playbook, and making sure each new market learns fast enough to compound into the next.

You'll work closely with EU leadership and Monzo's global Leadership team, sitting on the EU Tech Leadership team and helping shape our global data strategy.

Key responsibilities:

• Own the full learning loop that EU expansion runs on
• Co-own the product development loop alongside EU Leadership, Product, and Engineering
• Set the data strategy for EU and stand up the foundations each new market needs
• Lead the goal-setting process for EU Expansion
• Represent Data directly at the ExCo level
• Build, grow, and retain a high-performing, full-stack Data team

Requirements:

• Strategic data leader with Director-level experience or above
• Experience operating in zero-to-one ambiguity, building or scaling a data function in a new market
• Comfortable moving from detailed metrics and data architecture to customer strategy, commercial outcomes, and product-market fit
• Experience leading company-wide or division-wide goal-setting, defining high-clarity metrics, setting targets, and partnering closely with Finance
• Empathetic people leader with experience growing full-stack Data teams

Benefits:

• £150,900 to £204,100 + stock options and benefits
• Visa sponsorship and relocation available
• Flexible working hours and trust to work enough hours to do the job well
• Learning budget of £1,000 a year for books, training courses, and conferences
• Macbooks provided for all employees, with extra support for remote workers

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As our lending portfolio grows, our second line of defence Credit Risk Oversight team is growing with it - and we're looking for a Credit Risk Oversight Manager to join us!

Our Credit Risk Oversight team is crucial in providing support and challenge to our Borrowing teams in the first line of defence to help Monzo grow safely.

You’ll play a key role by...

• Providing ongoing oversight of credit risk - this includes analysing and understanding the performance of our existing lending products, developing and enhancing monitoring metrics and providing input to relevant committees and forums
• Partnering with our first line of defence teams to support credit strategy changes - including new product launches and pilots - ensuring that we deliver magical lending products for our customers while meeting our Risk Appetite
• Delivering deep insight, feedback and challenge on our credit strategies - including data-driven analysis and actionable counter-proposals - to support management decision making and shaping better outcomes for our customers
• Leading second line assurance work on thematic reviews
• Collaborating with our model validation and model development teams to ensure understanding of the models that underpin our credit strategies
• Providing credit expertise and input into relevant strategic projects and critical Monzo-wide processes, such as stress-testing and forecasting
• Supporting us in maintaining our Credit Risk Framework and making sure it is well embedded within the business
• Taking a balanced and proportionate approach to risk management, making sure that managing risks becomes part of everyone at Monzo’s day-to-day role

We’d love to hear from you if you …

• Have a strong background in credit risk management within consumer or small business lending
• experience in unsecured product, such as credit cards, loans or overdrafts would be particularly beneficial
• Have proven analytical skills, and can use these to interrogate data, build monitoring and look for early indicators of trends
• Have hands-on experience and/or understanding of how to use credit risk scorecards and NPV models to develop strategies for making credit decisions
• Have a solid technical toolkit; SQL or similar is a must-have, and experience using a data visualisation tool (such as Looker, PowerBI or Tableau) is a plus
• Are excited to explore how we can use AI tools to improve our credit and risk management processes
• Can convey problems and solutions using clear and simple language, both written and verbal
• Have a track record of building and maintaining trusting relationships with stakeholders, while providing effective and respectful challenge
• Are passionate about technology, and what we’re doing here at Monzo excites you!

What’s in it for you

• £79,900-95,000
• Incentive Awards tied to your performance
• 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

Job Data by YubHub.

As a Credit Risk Manager at Monzo, you will play a key role in driving the credit and growth strategy for our consumer lending products as we grow our business in Ireland.

You'll work closely with Borrowing squad leadership to develop and execute an ambitious growth strategy. You'll collaborate with people from engineering, marketing, product, risk, and control to design and deliver new products and customer journeys.

Your responsibilities include:

• Leading the development and maintenance of NPV models and affordability strategies that underpin Borrowing underwriting decisions
• Monthly monitoring and reporting on Borrowing performance to stakeholders up to executive level
• Collaborating with the Decision Science team to maximise value from internal and external data through cutting-edge ML models
• Promoting a culture of proactive, high-quality analysis

Requirements:

• Extensive experience in unsecured lending in Ireland
• Deep understanding of lending economics and experience developing and deploying underwriting strategies and credit models
• Strong analytical and data capabilities, backed up by technical coding skills (SQL, Python, and Looker experience is a plus)
• Experience with NPV models
• Strong understanding of regulations that apply to lending in Ireland
• Excellent communication skills

We offer:

• Salary range of €93,500 - €114,000 + Incentive Awards tied to your performance
• Hybrid working model, based in our Dublin office 3 days a week
• Flexible working hours
• Annual Leave - 34 days including public holidays
• €1,200 learning budget each year
• Private healthcare scheme
• Pension scheme
• Wellbeing benefits

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As a Credit Model Validation Manager, you will play a key role in providing independent oversight and challenge to our model development teams to help Monzo grow safely and ensure that the models we use deliver good outcomes for our customers.

Responsibilities:

• Lead hands-on independent validation of models used for credit decisioning within our Borrowing strategies
• Support oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response models
• Develop deep understanding of Monzo's credit models, and use this to provide impactful input and challenge to model developers to improve our modelling capabilities
• Review ongoing model performance monitoring to ensure our lending models perform within our risk thresholds
• Perform statistical analyses to independently assess model performance
• Improve our Model Risk Framework, including overseeing our policies, standards and procedures
• Write clear and impactful model validation reports, and present findings and actions in relevant committees

Requirements:

• Strong background and practical experience in credit model development and/or validation
• Data driven, with strong analytical skills and deep understanding of statistical techniques for credit and model risk
• Strong SQL and Python skills are essential
• Understand how models are used in real-time decisioning and lending strategies
• Have strong written and verbal communication skills

Benefits:

• £79,000 - £93,000 + Incentive Awards tied to your performance
• Flexible working hours and trust to work enough hours to do your job well
• £1,000 learning budget each year
• MacBook and support for remote workers

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As a Senior Controls Product Manager at Monzo, you will lead the development of our internal risk products, replacing manual processes with smart, data-driven platforms.

Responsibilities:

• Own the Controls Product Roadmap: Define the vision, strategy, and backlog for Monzo's internal risk products.
• Hands-on Prototyping & Automation: Design, prototype, and build automated workflows, API integrations, and low-code/no-code solutions.
• Pioneer AI in Risk Management: Champion AI adoption across the discipline.
• Build for Real-Time Risk Intelligence: Drive the shift from annual 'point-in-time' assessments to continuous, automated monitoring.
• Product Enablement & Adoption: Ensure high-impact adoption.
• Drive Execution & Delivery: Maintain momentum across the team's delivery plan.

Requirements:

• You think like a Product Manager: Obsess over user problems, value vs. effort prioritization, user experience, and shipping MVPs quickly.
• You are a Hands-On Builder: Comfortable with SQL, Python, APIs, workflow tools, or low-code environments.
• You're AI-Curious & Practical: Actively experiment with AI/LLMs to automate manual tasks.
• You Understand Risk & Controls: Fundamental risk concepts (control design, RCSAs, issue management).
• You Thrive in Ambiguity: Enjoy starting from first principles in a fast-paced environment.

Benefits:

• £85,000 - £115,000 salary
• Incentive Awards tied to your performance
• Flexible working hours
• £1,000 learning budget each year
• Macbook and support for remote work setup

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As a Backend Engineer III at Monzo, you will be part of a team of around 650 engineers designing and building our in-house banking platform.

Responsibilities:

• You will work on building and maintaining our backend technology products
• You will be involved in solving problems and changing lives through Monzo's products
• You will collaborate across disciplines to tackle interesting challenges throughout the company

Requirements:

• Strong experience working on the backend of a technology product
• Product mindset with a focus on customer outcomes and data-informed decisions
• Comfortable working in a team that deals with ambiguity
• Interest in distributed systems and writing resilient software
• Experience with strongly-typed languages such as Go, Java, C, Scala etc.

Nice to Have:

• Experience with Go, Cassandra, Kafka, Kubernetes, Docker, Envoy Proxy, AWS, GCP, React

Benefits:

• £85,000 - £110,000 base salary + Incentive Awards tied to your performance
• Flexible working hours and remote work options
• Learning budget of £1,000 a year for books, training courses, and conferences
• And many more benefits

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As a software engineer intern at Monzo, you’ll be matched with a team where you’ll spend the summer working on a real project for our customers.

You’ll spend your internship:

• Writing, testing and shipping code that supports new features for our customers
• Reviewing code for your colleagues, to pick up any improvements and learn from your peers
• Working with product managers, designers and data analysts on your team
• Learning about new technologies, engineering practices and what a full-time software engineering role looks like
• Proactively seeking out feedback to improve and accelerate your learning

We rely heavily on the following tools and technologies:

• Go to write our application code
• Cassandra for most persistent data storage
• Kafka for our asynchronous message queue
• Kubernetes and Docker to schedule and run our services
• AWS for most of our production infrastructure and GCP for most of our data infrastructure
• React for our public web apps and internal tools
• Kotlin for our Android app
• Swift for our iOS app

You must:

• Be completing a degree in Computer Science or another technical field with exposure to programming and are graduating in 2028
• Enjoy learning about new technologies and have a passion for problem-solving
• Be available full-time for a minimum of 12 weeks between June and September 2027
• Have the right to work in the UK without restrictions for the full 12-week internship and would not require visa sponsorship if offered a permanent position
• Be able to work from our London office on a hybrid basis to collaborate with your team and mentor, as well as attend intern events over the summer

In return, you’ll receive:

• £42,500 pro rata salary
• A top-spec MacBook to use over the course of your time with us
• Flexible full-time working hours and trust you to work enough hours to do your job well, and at times that suit you and your team
• Knowledge-sharing sessions with your squad and wider discipline
• Team and company wide socials / events
• Lunch on Monzo twice a week from a range of street food vendors

Job Data by YubHub.

As an Android Engineer at Monzo, you'll work on evolving our native mobile app, building polished user experiences, and balancing tested code with rapid iteration.

Our Mobile Engineering Team Our team of ~60 Android engineers works in small, interdisciplinary squads, focusing on customer outcomes and data-informed decisions.

Responsibilities

• Build and iterate on our Android app, used by over 11 million people
• Work with iOS Engineers, Backend Engineers, and others to achieve company goals
• Balance tested code with rapid iteration and delivery
• Contribute to our codebase, using tools like Kotlin, MVVM, and Compose

Requirements

• Experience with Kotlin and Android development
• Product mindset, focusing on customer outcomes
• Ability to work in a team with ambiguity
• Understanding of computer science principles

Nice to Have

• Experience shipping and iterating on apps in the Play Store
• Knowledge of data-informed decision-making
• Familiarity with our tech stack (RxJava, Retrofit, Moshi, etc.)

Benefits

• Base salary depending on experience
• Equity and stock options
• Flexible working hours
• Learning budget of €1,200/year

Application Process Our interview process involves three stages: Initial Call, Take-home task or pair coding exercise, and Final interview.

Job Data by YubHub.