????London OR Remote (UK) | ???? £86,000 - £100,000 (dependent on experience) + Benefits | Hear from the team ✨

⭐️ Our Risk and Controls team

Like any other regulated bank, we need to make sure we are managing our risks and controls, and are fully compliant with regulation. But at Monzo, we want to do so while continuing with our agile “test and learn” approach to launching products our customers love. We are looking for a Senior Risk & Controls Manager to help us further embed our conduct risk framework (especially Consumer Duty) across the business.

???? You’ll play a key role by...

• Support the business in developing and enhancing controls that protect our customer and business needs now and in the future
• Use data to demonstrate we are delivering good customer outcomes 
• Develop briefings for Executive and Board level review, including our annual Consumer Duty board report
• Lead regulatory responses and briefings
• Ensure the first line proactively consider and incorporate Consumer Duty requirements in products and features 
• Innovate and improve on the effectiveness of governance and risk management process to ensure they work forMonzo
• Embed robust regulatory, conduct, and operational risk practices and culture
• Foster positive and collaborative relationships across the three lines of defence
• Ensure governance-related requirements are met 
• Coordinate conduct risk governance and oversight meetings
• Responsible for coordinating and supporting the first line in “business as usual” activities to comply with the Consumer Duty
• Manage and report on the risk and control environment (risks, controls, issues, incidents, remedial actions, etc)
• Manage regulatory and audit deadlines and submissions

????We’d love to hear from you if…

• You have a comprehensive understanding The Consumer Duty and how it practically applies day-to-day
• You have hands-on, practical experience with:
• Implementing and embedding The Consumer Duty in a pragmatic way - including building new, and improving existing, processes and tools that are easy to understand and use for people who may not be in the detail of the Duty
• Co-ordinating activity and driving consistency in how the Duty is being embedded across Monzo and different teams
• Using data to create monitoring at an appropriate level to give visibility and meaningful insights
• You have experience with embedding conduct risk in the day-to-day
• You have experience with organising and managing risk governance meetings / committees, and collating data and writing supporting commentary
• You have considerable risk and control experience with consumer financial products in a regulated environment - including experience with RCSAs, control testing, and issue and action management
• You’re excited about helping Monzo scale in a compliant, thoughtful, and controlled way
• You’re resilient and comfortable working in a fast-paced and ambiguous environment where the day-to-day job is constantly evolving and changing
• You are a self-starter, and able to work independently and make prioritisation decisions

The Interview Process:

Our interview process involves 4 main stages: 

• Short call with a recruiter 
• 30 minute video-call call with the hiring manager
• 2 x 60 minute interviews conducted via GoogleMeet

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

What’s in it for you:

???? £86,000 - £100,000 ➕ plus stock options & benefits 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for training courses and conferences ➕ And much more, see our full list of benefits here

???? 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.

#LI-REMOTE

#MY-1

About the Role 

This role is for a Senior Engineering Manager where you’ll be a manager of managers. You will be leading across multiple teams in an org of around 20-30 people. We’re expanding and your role as the Senior EM will be to grow and build new squads as needed. Your direct reports will include Tech Leads, Senior Engineers and 2-3 Engineering Managers.

Senior Engineering Managers at Monzo are part of cross-functional, autonomous teams and groups. Our teams are mission driven, and typically include Product Managers, backend, web and mobile engineers as well as data scientists, designers and subject matter experts relevant to that mission. Teams are organised into groups, and then collectives - we aim to keep our line management structure as shallow as possible, and for teams to directly own decision making relevant to their work.

Senior Engineering Managers are accountable for the technical and delivery outcomes for their area - that means supporting and developing best in class engineering talent, as well as creating an inclusive team environment for people to do their best work. You’ll be responsible for structuring, organising, supporting and challenging your team to deliver on their mission.

You can read more on the expectations of Senior Engineering Managers in our Progression Framework.

Is this role right for you?

While this is not a role which requires hands-on-coding, we are looking for an experienced manager who has a strong technical and delivery background and has worked as a software engineer in previous roles.

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

• Delivery and Execution: Enjoys taking accountability for delivery across your squad(s), collaborating with the Technical Lead and Product Manager.
• Engineering and Operational Excellence: Actively fosters a high bar for engineering excellence within your teams. You’re accountable for the technical outcomes your teams deliver alongside individual engineer performance and growth, so holding a high bar (and clearly articulating your expectations) is key.
• People Leadership: Has experience directly managing at least 2-3 Engineering Managers and leading orgs of around ~20 engineers. You can support, coach and develop them through their career with regular 1:1s and continuous feedback.
• Technical Influence: Partners with senior engineers to drive technical initiatives that raise the bar for our engineering practices.
• Stakeholder Relationships: Builds strong stakeholder relationships with other teams, and creates a focus space for engineers to do their best work.
• Organisational Wide Impact: Collaborates with the wider engineering organisation to contribute to company-wide best managerial and technical practices and standards.

We consider your application across all open EM roles at Monzo independent of which role you've applied for, soif you've recently applied to a similar role at Monzo and have been unsuccessful, please wait 6 months before applying again.

The interview process:

After an initial informal recruiter call you go through two main stages

1. Initial Call (1 hour) You'll meet with one of our Senior Engineering Managers or Engineering Directors. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)
   
   
2. Loop Stage (3 hours 30 mins) The Loop stage consists of 3 x 60 min interviews that take place over 1-2 days (depending on your availability) and one 30 minute reverse interview (more details below).

The Loop is one stage and the interviews in this stage are:

- Team and Org Management (1 hour)
An example based interview with 1-2 of our engineering leaders. They’re interested to hear examples from your previous experience on the teams you’ve led, how you’ve shaped and partnered with product, and the impact you had.

- System Design (1 hour)
You'll partner with a Staff or Principal Engineer on a technical whiteboarding exercise.

- Behavioural (1 hour)
Similar to Team and Org Management, this is an example based interview with 1-2 Engineering Leaders. This interview focuses on your people leadership style and core behaviours as an Engineering Manager.

- Chat with an Engineering Leader (30 mins)
At Monzo, we believe interviews are a two-way street. This will be your opportunity to ask us any questions about Monzo, engineering leadership or our teams – whatever’s on your mind. 

All things going well, you'll have completed the hiring process ????

Our average process takes around 3-4 weeks but we will always work around your availability. You’ll have the chance to speak to our recruitment team throughout the process. If you’d like to ask a question sooner, email tech-hiring@monzo.com. Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason.

What’s in it for you:

????Base salary £130k - £160k + Equity + Benefits

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

????Learning budget of £1,000 a year for books, training courses and conferences

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

#LI-Remote #LI-AL1

????Cardiff, London or Remote (UK) | ???? £92,500 - £125,000 + Benefits | Technology - Credit & Data ✨

⭐Monzo’s Borrowing Credit & Data team

Our Borrowing Credit & Data team is the largest and most diverse team within Monzo’s Data Discipline, and is also one of the largest parts of the Borrowing Collective.
This team sits at the core of our lending business. We design products, decide who to lend to, set underwriting policy, track the volume of new originations, identify customers who need help, manage the portfolio, measure risk and compute the core metrics required both for Monzo’s senior management and for our external financial reporting. We set prices, build predictive models, run experiments, build dashboards, enhance data pipelines and manage Monzo’s credit risk. 

OurData team's mission is to Enable Monzo to Make Better Decisions, Faster

We are scaling up our Capital, Impairment and Forecasting modelling team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will build up our forecasting capabilities and  tools and will have significant exposure to critical business processes such as budgeting & ICAAP. Additionally the successful individual will lead the development and integration of the next generation of analytical dashboards, ECL decomposition and will have regular interaction with the senior management.

????You’ll play a key role by...

• Leading projects, covering: development, implementation and maintenance of Stress Testing and Forecasting models
• Leading business critical processes such as ICAAP and Budgeting, including presenting results to 2LOD, senior management and Execs 
• Developing the next generation of performance tracking and analytics toolbox. These would include short horizon forecasting, root cause analysis, ECL decomposition, SICR efficiency.
• Developing and maintaining economic-response models for scenario simulation and impairment 
• Actively involved in our monthly provisions process, and delivering outcomes to Monzo’s senior team (including our Head of Borrowing, CFO and CRO). These activities will include preparing analysis; proposing model adjustments / calibrations; discussing emerging regulatory changes and best practices (SS1/23; ‘Dear CFO letter’); presenting materials to the monthly impairment council.
• Review and challenge a wider range of modelling solutions across the Borrowing collective (including IFRS 9, NPV, pricing etc.)
• Close collaboration with portfolio strategy, 2LOD, finance and external audit teams
• Manage a team of up to 2 FTEs and own their development

????We’d love to hear from you if…

• You have a strong background in IFRS9 impairments
• You have extensive experience in developing, validating or monitoring Credit Models (impairment, stress testing, forecasting)
• You have strong analytical skills and a track record of using these to deliver technical projects
• You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus
• You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
• You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
• You're a team playerwhom your colleagues can rely on

????What’s in it for you

???? £92,500 - £125,000 ➕share options.

✈️ We’ll help you relocate to the UK. 

✅ We can sponsor your visa. 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

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

????We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

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

????Our interview process involves 4 main stages: 

1. Recruiter Call
2. Initial Call with the hiring manager
3. Take Home Task (SQL)
4. Final Stage interviews (x3)

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

#LI-SL1  #LI-Remote

????Cardiff, London or Remote (UK) | ???? £69,000 - £95,000 + Benefits | Technology - Credit & Data ✨

⭐Monzo’s Borrowing Credit & Data team

Our Borrowing Credit & Data team is the largest and most diverse team within Monzo’s Data Discipline, and is also one of the largest parts of the Borrowing Collective.
This team sits at the core of our lending business. We design products, decide who to lend to, set underwriting policy, track the volume of new originations, identify customers who need help, manage the portfolio, measure risk and compute the core metrics required both for Monzo’s senior management and for our external financial reporting. We set prices, build predictive models, run experiments, build dashboards, enhance data pipelines and manage Monzo’s credit risk. 

OurData team's mission is to Enable Monzo to Make Better Decisions, Faster

We are scaling up our Capital, Impairment and Forecasting modelling team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will build up our forecasting capabilities and  tools and will have significant exposure to critical business processes such as budgeting & ICAAP. Additionally the successful individual will lead the development and integration of the next generation of analytical dashboards, ECL decomposition and will have regular interaction with the senior management.

????You’ll play a key role by...

• Development, implementation and maintenance of Stress Testing and Forecasting models
• Participate in business critical processes such as ICAAP and Budgeting, including presenting results to 2LOD, senior management and Execs 
• Develop the next generation of performance tracking and analytics toolbox. These would include short horizon forecasting, root cause analysis, ECL decomposition, SICR efficiency.
• Develop and maintain economic-response models for scenario simulation and impairment 
• Actively involved in our monthly provisions process, and delivering outcomes to Monzo’s senior team (including our Head of Borrowing, CFO and CRO). These activities will include preparing analysis; proposing model adjustments / calibrations; discussing emerging regulatory changes and best practices (SS1/23; ‘Dear CFO letter’); presenting materials to the monthly impairment council.
• Review and challenge a wider range of modelling solutions across the Borrowing collective (including IFRS 9, NPV, pricing etc.)
• Close collaboration with portfolio strategy, model validation, finance and external audit teams

????We’d love to hear from you if…

• You have a strong background in IFRS9 impairments and stress testing
• You have extensive experience in developing, validating or monitoring Credit Models (impairment, stress testing, forecasting)
• You have strong analytical skills and a track record of using these to deliver technical projects
• You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus
• You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
• You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
• You're a team playerwhom your colleagues can rely on

????What’s in it for you

????£69,000-95,000 ➕share options.

✈️ We’ll help you relocate to the UK. 

✅ We can sponsor your visa. 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

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

????We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

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

????Our interview process involves 4 main stages: 

1. Recruiter Call
2. Initial Call with the hiring manager
3. Take Home Task (SQL)
4. Final Stage interviews (x3)

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

#LI-SL1  #LI-Remote

London or UK Remote | ????£90,000-£110,000 +Benefits|Hear from the team✨

This is a 6 month fixed term contract. 

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

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

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives because Money never felt like Monzo ❤️

⭐Our User Research Team:

We are currently a team of 23 with 18 individual contributors, who are embedded into collectives i.e Core Banking, Business Banking etc, working cross functionally with our Product Design, Product Management and Engineering teams. Our organisation is led by Katherine Vaughan our Director of User Research.
You can read more about how research works at monzo here: https://monzo.com/blog/topic/design

????You’ll play a key role by:

• Plan and run qualitative studies, including field observations and interviews, diary studies remote and in-person concept testing and usability studies for existing and future products.
• Identify actionable insights through quantitative methods such as large scale surveys, and use basic statistical concepts to ensure findings are robust
• Evaluate and explore information architecture, using tree-tests, card-sorts and whatever other methods are appropriate
• Work with other researchers to connect the dots across multiple teams and product areas  

????We’d love to hear from you if:

• Work within a cross-functional team to define and develop the strategic roadmap and future research needs within our Business Borrowing collective. 
• Collaborate with and influence key stakeholders across the organisation, including the wider product teams, company leadership, finance, marketing, compliance, legal, regulatory affairs and more to get alignment and support for the strategy.
• Work closely with Product Managers, Product Designers, Engineers and other User Researchers to generate hypotheses and plans for high-impact research that helps us better understand our existing and potential customers and how to create a better product that solves their problems and meets their needs.
• Lead the research for your squads, suggesting the best approach and methods to use so we’re capturing the right insights that help us grow and develop our product in our mission to Make Money Work For Everyone.
• Collaborate closely with our analytics team to make sure our qualitative insights are also enhanced by robust quantitative analysis whenever possible, and run some basic quantitative analysis yourself
• Mentor and train Product Managers and Product Designers to run their own lightweight "disposable" research, freeing you up to do the high-impact work.
• Communicate research findings to inform business decisions through the best possible means ranging from presentations, workshops, reports or whatever mechanism gets the insights into our decision-making.

????What’s in it for you:

????£90,000 - £110,000 + Benefits

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

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

????We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

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

???? The application journey has 3 key steps

• Recruiter call (20 mins)
• Research Methods (1 hour)
• Final loop (1.5 hours in total split across 2 x interviews)

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to nataliehills@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-NH1

????London, Cardiff or Remote | ???? £45,000 - £55,000 + Benefits | Hear from the team ✨ 

⭐Our Finance team

Our finance team is growing and we’re looking for a Financial Analyst with a focus on commercial performance to support our investment strategy. 

This will involve detailed financial analysis to support Monzo in making the best use of its financial resources. You’ll collaborate with teams across the bank to support product pricing, investment appraisal, and product monitoring and forecasting.

As part of Monzo’s Financial Risk team you’ll also learn how we protect the Bank from financial stress, and how we manage the risks to our capital resources.   

Decisions around the allocation of capital are central to Monzo achieving its strategy and building enterprise value. As such this is an exciting and broad role for an individual looking to build their experience and influence the direction of a unique business going through significant growth.

You will need to have great financial analysis skills, combined with the ability to support a wide range of stakeholders. 

????You’ll play a key role by...

• Provide in-depth analytical support across a wide range of strategic capital planning projects.
• Developing and embedding financial analysis tools to support stakeholders’ investment decisions. 
• Partnering with teams internally to help them make informed business decisions.
• Production of key financial risk management information, supporting stakeholders’ understanding of Monzo’s capital risks, strengths, and opportunities.
• Designing brilliant ways to automate our work and leveraging technology to ensure we scale with the business. 
• Provide insight into monthly impairment numbers working with teams across Monzo to explain the portfolio dynamics.
• Support Monzo’s financial stress testing capabilities, running and helping to enhance and embed financial models.
  
  

????We’d love to hear from you if you…

• Have financial services experience- either at a bank or a consultancy, audit or regulatory body and want to apply it to a fast growing new bank. An accountancy qualification is desirable, but not required.
• Have a good understanding and experience of working with, and analysing financial service balance sheets.
• Are interested in identifying and using data, performing analysis, and understanding financial impacts on our bank. 
• Have knowledge and experience within finance services (an understanding of IFRS 9 impairment would be a bonus).
• Have a data focused mindset (SQL knowledge would be a bonus).
• Are comfortable translating complex information into simple words for people with diverse backgrounds.
• Are able to work independently, proactively and enjoy a dynamic and changing environment.
• Have experience building strong relationships with stakeholders at all levels within the business.

????What’s in it for you

????£45,000 - £55,000 ➕share options.

????This role can be based in our London or Cardiff offices, or be distributed working within the UK (with ad hoc meetings in London)

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

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

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

????The application journey has 4 key steps

Phone call with Recruiter (30 mins)

Video call with Hiring Manager (30 mins)

Technical video call with Hiring manager & Stakeholder (60 mins)

Behavioural interview (45 mins)

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to  business-hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

#L1-MY #LI-REMOTE

????London, Cardiff or UK Remote | ???? £65,000 - £77,500 + Benefits | Hear from the team ✨

⭐ Our Finance team

We're looking for a hands-on, detail-oriented and proactive Employment Tax Manager to support the Tax team at Monzo, and our wider Finance team.

You’ll be joining our Tax Team and will be reporting into our Employment Tax Senior Manager. 

You’ll be working across Employment Tax, Global Mobility and Reward matters, in the UK, US and Europe. This role offers an exciting opportunity to manage a key area of our tax strategy and work closely with diverse teams across the business. 

???? You’ll play a key role by…

• Assisting the business with employment tax advice on an adhoc basis. For example, you’ll advise on: (i) the operation of PAYE and NIC on payments, expenses and benefits provided to employees, (ii) the tax treatment of reward packages (including equity incentives), and (iii) tax issues related to global mobility.
• Managing our employment tax reporting obligations, including our ERS reporting, STBV reporting, PAYE Settlement Agreement and Form P11D. 
• Owning our employment tax processes to ensure we’re fully compliant with our obligations, including IR35 and SAO. 
• Reviewing and improving internal processes and systems to ensure our tax obligations are met, as well as owning the design and implementation of new processes required by Monzo due to recent growth.
• Staying current with tax laws, regulations, and case law affecting employment tax, global mobility and reward.
• Collaborating with internal stakeholders, including the People team and Finance, to support business initiatives from a tax perspective.

???? We’d love to hear from you if...

• You’re a qualified accountant and/or qualified tax advisor.
• You have experience working in either Employment Tax, Global Mobility or Reward and are keen to broaden your knowledge and work across all three areas. 
• 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.
• What we’re doing at Monzo excites you!

????What’s in it for you

????£65,000 - £77,500 ➕ share options

????This role can be based in our London or Cardiff offices, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

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

???? We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

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

????The application journey has 4 key steps:

- Phone call with Recruiter (30 mins)
- Initial video call with hiring manager (30 min)
- Technical video interview with hiring manager and stakeholder (45 min)
- Behavioural video interview with finance team (45 min)

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

#LI-NZ1 #LI-Remote

London OR UK Remote | ????£60,000 - £90,000 + Benefits 

⭐ Our Risk & Control Discipline (RCD) 

Like any other regulated bank, we need to make sure we are managing our risks and controls, and are fully compliant with our regulation. At Monzo we want to do so while continuing with our agile “test and learn” approach to launching products. You’ll have a supporting role to help our Risk and Control Discipline make sure we successfully roll out and embed our risk management framework across the 1st line. 

ℹ️ About the role

We are looking for someone who has the desire & passion to work on risk & control within our Payments Collective. In particular, experience in Payments Risk & Control Assessments (including control testing), Audit Management, Regulatory Compliance and Issue & Action management is preferred.

You will be supporting all things Risk & Controls within the 1st line at Monzo, with a focus on Payments risk. 

As a Risk & Control Manager for the Payments Collective, you will use your passion for risk and control to support an environment where teams are able to build at pace yet in control. Teams across the first line in Monzo will turn to you for guidance on how to ensure we are not only compliant with regulations, but also fostering a culture of rigorous thinking and careful controls that distinguish us in both banking and technology. You will be leading the way ensuring key risk indicators are well-defined and understood in a timely manner, incidents are managed, MI and reporting packs are created, and risk & control assessments are completed. 

???? You’ll play a key role by…

• Using your risk management knowledge to support teams in developing new processes, controls and features by embedding good regulatory and risk practices;
• Ensuring awareness of all of the governance related initiatives (issues, incidents & actions) and regulatory or audit deadlines to make sure we don’t miss anything;
• Leading risk assessments (RCSA) in the 1st line and driving actions to address the root causes that persistently lead to operational risk losses by challenging both historical and proposed practices;
• Leading and performing controls testing, remediation and implementation;
• Escalating, managing and reporting control issues with transparency;
• Ensuring we comply with our policies and help define them where necessary;
• Acting as a key stakeholder managing & fostering positive relationships across the three lines of defence on any deficiencies or control gaps across Monzo as needed;
• Innovating and finding new ways to build effective governance and risk management processes;

???? We’d love to hear from you if…

• You have worked in UK banking or fintech, with experience in technology/payments technology risk from 1LOD or Audit.
• You are familiar with Payments regulations and requirements
• You are a team player and collaborate well with other people.
• You are a master communicator, able to facilitate discussions, influence to get buy or push back when needed
• You have a good understanding of industry risk standards and practices;
• You have experience in technology and/or payments risk management;
• You have experience managing multiple deadlines through to completion and have excellent attention to detail;
• Are excited about helping Monzo scale in a compliant, thoughtful and controlled way;
• You’re resilient and comfortable working in a fast paced and ambiguous environment where the day to day job is constantly evolving and changing;
• You are hands-on and great at execution;
• You are able to meet people where they are at and become a bridge between internal teams and represent Monzo before auditors, regulators and our board;
• You are a self-starter and autonomous, able to make prioritisation decisions 

Above all, we are looking for people that are excited by what we are doing at Monzo.

???? What’s in it for you

???? £60,000 - £90,000 (Dependent on experience) ➕ share options.

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

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

???? We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. ➕ Plus lots more! Read our full list of benefits.

????The application journey has 3 key steps

• Short call with a Monzo Recruiter
• Short video-call with the Hiring Manager 
• Full-loop Interviews (60 min Technical Interview + 45 min Behavioural Interview)

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to business-hiring@monzo.com You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

⏳We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-REMOTE

#LI-CM-1

????London / UK Remote | ???? £140,000 - £165,000 + Share Options |Benefits|Technology

About this role:

We’re looking for somebody with deep experience building, scaling, and tuning complex search products. We’re rethinking the search experience in Monzo to enable 10 million customers to find what they’re looking for – transactions, products, help articles, people, and more – in as few keystrokes as possible. 

This role sits in our Core Banking product collective, collaborating closely with ML Platform and a range of product teams across the business with a stake in how search results are ranked and displayed. You’ll be a key influence in the long-term product strategy for search at Monzo.

Initially, you’ll own 3 key challenges:

1. Launch a global search experienceworking end-to-end from customer experience in our mobile apps to backend systems, indexes, and data pipelines
2. Scale search to support all Monzo’s account types (incl. Business Banking, US) and internationalisation
3. Optimise resultswith machine learning models and build feedback loops to measure search performance (e.g. latency and relevance) 

As a Staff Engineer:

A Staff Engineer at Monzo is a technical (IC) leadership position. As a Staff Engineer in the Core Banking collective, you will:

• Partner with engineering leadership in the collective and provide technical leadership on the search domain across Monzo’s broader engineering organisation.
• Work collaboratively with leaders in product, data, research, and design to identify and execute on opportunities that further the organisation’s goals and strategy.
• Oscillate between contributing to high-level planning and strategy and organisational leadership and diving deep into the execution of problems and getting hands-on.
• Use your expert knowledge and experience to lead architectural discussions for the most complex systems in the collective. 
• Keep a high bar for technical excellence in the collective, through your own work, highlighting the work of others and calling out when things haven’t quite met the bar.
• Pro-actively mentor, sponsor and up-level engineers.

What you’ll be using: 

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

• Go to write our application code (there’s an excellent interactive Go tutorial here)
• 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.
• OpenSearch for our first iteration of search infrastructure

????We’d love to hear from you if… 

• You have a track record of technical excellence, delivering resilient systems, ideally behind consumer products.
• You have real-world experience working with Machine Learning specialists on search ranking problems.
• You solve problems end-to-end, from client applications to backend infrastructure.
• You have led technically across 3-4 teams to deliver customer-facing features that leverage ML.
• You have a quantitative mindset: you care about outcomes and you make data-informed decisions.
• You’re comfortable working in a cross-functional team that deals with ambiguity and have experience helping your team and partner teams resolve that ambiguity.
• You have demonstrable experience working with stakeholders, especially non-technical stakeholders at the senior level.

????What’s in it for you

????£140,000 - £165,000 ➕ share options.

✈️ We’ll help you relocate to the UK.

✅ We can sponsor your visa. 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit
you and your team. 

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

????We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

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

???? The application journey has 4 key steps

Our interview process for this role has four main stages, most of which can be scheduled on the same day: 

1. Initial Call 
2. System Design Interview 
3. Pair coding exercise 
4. Final interview including a behavioural and a leadership interview 

You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions or want to talk through reasonable adjustments ahead of or during application please us at any point on tech-hiring@monzo.com

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason.

One of our staff engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

#LI-Remote

#LI-TT1

????London | UK remote | ???? £110,000 to £130,000 + Stock Options + Benefits

About our Core Banking Team:

Core Banking is responsible for the current account used by 10 million customers. That includes creating compelling value propositions for different audiences (including Joint, Under 16s and 16 to 17 accounts), designing the overall app structure, the day-to-day money management experience (including features like Trends, Salary Sorter, Bills Pots, and more) and other value propositions like Travel. The collective is also responsible for Subscriptions, which are paid upgrades that unlocks extra benefits and functionality that help customers make financial progress.

We’re now gearing up for our next phase of growth, from 10 million to 20 million customers. As we scale Core Banking, we’re looking for a Senior Data Science Manager to lead our data science team and product strategy more holistically. We’re looking for a leader with hands-on experience and a data-driven strategic leader who can bring fresh thinking and new ways to inspire the team and our customers.

What you’ll be working on:

You’ll be working in an ever changing environment in collaboration with the Core Banking Leadership team, including the product director, engineering managers, designers and researchers. You are expected to drive product strategy using data and ensure the reliability, robustness and efficiency of our data assets together with the Senior Analytics Engineering Manager in Core Banking. You’ll champion the use of data, bring ideas to life through rigorous experimentation and A/B testing. You’ll help us get the most out of volumes of cloud native data, spotting opportunities to make each area of our product work even better for our customers. You and your team will drive product innovation and you’ll get to see the impact of all your work in the product changes we make.

You will also be a leader in building a discipline of exceptional data scientists and helping your team’s career progression and development.

You should apply if:

• You have multiple years of experience in product data science, with 3 or more years working in Senior or Lead positions within Data Science or Analytics.
• You know what it takes to lead top tier Data Science talent and have had experience managing high performing senior teams of 8-10 people
• You consider yourself an empathetic leader 
• You are a strong strategic data leader and love using data to drive decisions, structuring complex projects to bring them to life
• You’re as comfortable getting hands-on as you are exploring potentially ambiguous business problems 
• You have experience building relationships and working together and collaborating with senior business stakeholders and product teams
• You're familiar with using a variety of Data Science tools (from business intelligence, experimentation and causal inference through to machine learning), and coding languages (Python and SQL). You know when to pick the right tool, and can help others do the same

The Interview Process:

Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!

• 30 minute recruiter call 
• 45 minute call with hiring manager 
• 3 x 1-hour video calls with various team members

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

What’s in it for you:

???? £110,000 to £130,000 + Stock Options + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

????Learning budget of £1,000 a year for books, training courses and conferences

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

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

#LI-NB2  #LI-Remote

????London or Remote (UK)  | ???? £60,000 to £75,000 + Options +  Benefits | Data Team, Borrowing 

Our team:

Our Borrowing business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

With your experience of developing unsecured retail credit risk strategies and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will be responsible for developing our credit and pricing strategies for one of our unsecured lending products (Flex, personal loans or overdrafts).  You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.

Your day-to-day:

• Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Monitoring the performance of our existing strategies, and iterating to improve them
• Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes
• Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions
• Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions
• Supporting the design and roll-out of new products and customer journeys
• Assessing how the lending portfolio of particular products will perform over time

You should apply if:

• You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.)
• You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
• You have an understanding of lending economics and have experience developing and deploying underwriting strategies
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
• You have a working understanding of the regulations that apply to lending in the UK.
• You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points
• You have some experience in project management and coordination across teams
• You work well collaborating in a team with diverse skill-sets and personality types
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

The interview process:

Our interview process involves 4 main stages:

1. Recruiter call
2. Initial call
3. Take home task
4. Final stage (x3 interviews) consisting of a case study, role specific interview and values interview

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.

What’s in it for you:

???? £60,000 to £75,000 + stock options + benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

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

#LI-SL1  #LI-Remote

????London | UK remote | ???? £95,000 to £115,000 + Stock Options + Benefits| Technology - Data  

About us: 

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About our Core Banking Team:

Core Banking is responsible for the current account used by 10 million customers. That includes creating compelling value propositions for different audiences (including Joint, Under 16s and 16 to 17 accounts), designing the overall app structure, the day-to-day money management experience (including features like Trends, Salary Sorter, Bills Pots, and more) and other value propositions like Travel. The collective is also responsible for Subscriptions, which are paid upgrades that unlocks extra benefits and functionality that help customers make financial progress.

We’re now gearing up for our next phase of growth, from 10 million to 20 million customers.

What you’ll be working on:

• Lead the product strategy in App Evolution within Core Banking - continuing to evolve the app experience for customers to make it magically simple to manage money day-to-day with Monzo, and help customers discover differentiated value
• Develop and execute best practices for experimentation enabling our team to make data informed decisions
• Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
• Work closely with leaders in product, engineering, design and research to build and iterate on product ideas 

You should apply if:

• You enjoy working with cross functional fast moving teams
• You are able to think strategically about the Core Banking product and how decisions using data can unlock more value for our customers
• You are excited about mentoring other data scientists and analytics engineers 
• You are excited by experimentation and utilising new data techniques to solve challenging problems 
• You want to understand the nuances of our data and are excited about laying the key foundational knowledge for our new products and features
• You are opinionated about how to think about measuring success and are willing to challenge the status quo

The interview process:

Our interview process involves: 

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

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

One of our recruiters has written a blog on the process, for extra details, hints and tips please see Data Hiring at Monzo

What’s in it for you:

????£95,000 to £115,000 + Stock Options + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

????Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefitshere

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

#LI-NB2 #LI-Remote

????London, Cardiff or Remote (UK)  | ???? £69,000 to £95,000 + stocks +  Benefits | Data Team, Borrowing 

About us: 

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.w

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About our Borrowing Data Team:

We’re looking to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly (both on our existing products, and with the planned launch of new products). We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

With your experience of developing unsecured retail credit risk strategies and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will be responsible for developing our credit and pricing strategies for one of our unsecured lending products (Flex, personal loans or overdrafts).  You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.

Your day-to-day:   

• Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Working with people from engineering, marketing, product, risk and control to design and deliver product changes
• Developing our credit control and portfolio management framework to support our growing portfolios
• Developing, maintaining and refining our credit models to assess net present value of new lending cohorts to drive strategic business decisions
• Building, maintaining & owning the database tables and dashboards that provide insights and promote rapid, data-driven decisions

You should apply if:

• You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later).
• You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamic to portfolio performance
• You have an understanding of lending economics and have experience developing and deploying underwriting strategies and credit models
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus
• You have a working understanding of the regulations that apply to lending in the UK
• You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points
• You have some experience in project management and coordination across teams
• You work well collaborating in a team with diverse skill-sets and personality types

The Interview Process:

Our interview process involves 4 main stages: 

• Recruiter Call
• Initial Call 
• Take Home Task
• Final stage (x3 interviews) consisting of a case study, role specific and values interview

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.

What’s in it for you:

???? £69,000 to £95,000 ➕plus stock options + benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

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

#LI-SL1  #LI-Remote

????London or Remote (UK)  | ???? £92,000 to £127,000 + Options +  Benefits | Data Team, Borrowing 

Our team;

Our Borrowing (lending) team is growing and we’re looking for Credit Managers and Analysts for our credit risk function, to grow lending to our business banking customers.  The ideal candidate should have knowledge of providing credit to small and medium size sole traders and limited companies,  automated decisioning and Credit Risk Management activities. 

You will work in the credit risk team responsible for credit strategy for our business lending products.  As the size of our Business Banking customer base grows, we are building lending products to support our customers funding needs.  We aim to create a genuine feel-good factor when it comes to business credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

With your experience of developing credit risk strategies specifically for small and medium enterprises and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will be responsible for developing our credit and pricing strategies as we bring to market new lending products. You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.

Your day-to-day:   

• Leading initiatives designing and implementing credit and pricing strategies for our business lending products
• Monitoring the performance of our existing strategies, and iterating to improve them
• Supporting the design and roll-out of new products and customer journeys
• Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk 
• Working with people from engineering, marketing, product, risk and control to design and deliver initiatives
• Developing and monitoring our credit models to forecast cash flows and assess net present value of new lending cohorts
• Writing credit proposals which will be adopted as Monzo underwriting policy
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Building, maintaining & responsible for the database tables and dashboards that provide insights and promote rapid, data-driven decisions
• Assessing how the lending portfolio of particular products will perform over time

You should apply if:

• You have strong domain expertise in providing lending products to small businesses
• You have a deep understanding of how business lending works, including regulation and industry best practice
• You have a solid understanding of lending economics and have experience developing and deploying underwriting strategies and credit models
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus
• You can bring a dynamic energy to the team, and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points
• You have some experience in project management and coordination across teams
• You work well collaborating in a team with diverse skill-sets and personality types
• You have a working understanding of the regulations that apply to lending in the UK
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

The Interview Process:

Our interview process involves 4 main stages: 

• Recruiter Call
• Initial Call 
• Take Home Task
• Final stage (x3 interviews) consisting of a case study, role specific and values interview

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.

What’s in it for you:

???? £92,000 to £127,000 ➕plus stock options + benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

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

#LI-SL1  #LI-Remote

????London or Remote (UK)  | ???? £69,000 to £95,000 + Options +  Benefits | Data Team, Borrowing 

Our team;

Our Borrowing (lending) team is growing and we’re looking for Credit Managers and Analysts for our credit risk function, to grow lending to our business banking customers.  The ideal candidate should have knowledge of providing credit to small and medium size sole traders and limited companies,  automated decisioning and Credit Risk Management activities. 

You will work in the credit risk team responsible for credit strategy for our business lending products.  As the size of our Business Banking customer base grows, we are building lending products to support our customers funding needs.  We aim to create a genuine feel-good factor when it comes to business credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

With your experience of developing credit risk strategies specifically for small and medium enterprises and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will be responsible for developing our credit and pricing strategies as we bring to market new lending products. You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.

Your day-to-day:   

• Leading initiatives designing and implementing credit and pricing strategies for our business lending products
• Monitoring the performance of our existing strategies, and iterating to improve them
• Supporting the design and roll-out of new products and customer journeys
• Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk 
• Working with people from engineering, marketing, product, risk and control to design and deliver initiatives
• Developing and monitoring our credit models to forecast cash flows and assess net present value of new lending cohorts
• Writing credit proposals which will be adopted as Monzo underwriting policy
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Building, maintaining & responsible for the database tables and dashboards that provide insights and promote rapid, data-driven decisions
• Assessing how the lending portfolio of particular products will perform over time

You should apply if:

• You have strong domain expertise in providing lending products to small businesses
• You have a deep understanding of how business lending works, including regulation and industry best practice
• You have a solid understanding of lending economics and have experience developing and deploying underwriting strategies and credit models
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus
• You can bring a dynamic energy to the team, and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points
• You have some experience in project management and coordination across teams
• You work well collaborating in a team with diverse skill-sets and personality types
• You have a working understanding of the regulations that apply to lending in the UK
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

The Interview Process:

Our interview process involves 4 main stages: 

• Recruiter Call
• Initial Call 
• Take Home Task
• Final stage (x3 interviews) consisting of a case study, role specific and values interview

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.

What’s in it for you:

???? £69,000 to £95,000 ➕plus stock options + benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

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

#LI-SL1  #LI-Remote

????London or Remote (UK)  | ???? £65,000 to £85,000 + Options +  Benefits | Data Team, Borrowing 

Our team;

Our Borrowing (lending) team is growing and we’re looking for Credit Managers and Analysts for our credit risk function, to grow lending to our business banking customers.  The ideal candidate should have knowledge of providing credit to small and medium size sole traders and limited companies,  automated decisioning and Credit Risk Management activities. 

You will work in the credit risk team responsible for credit strategy for our business lending products.  As the size of our Business Banking customer base grows, we are building lending products to support our customers funding needs.  We aim to create a genuine feel-good factor when it comes to business credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

With your experience of developing credit risk strategies specifically for small and medium enterprises and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will be responsible for developing our credit and pricing strategies as we bring to market new lending products. You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.

Your day-to-day:   

• Leading initiatives designing and implementing credit and pricing strategies for our business lending products
• Monitoring the performance of our existing strategies, and iterating to improve them
• Supporting the design and roll-out of new products and customer journeys
• Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk 
• Working with people from engineering, marketing, product, risk and control to design and deliver initiatives
• Developing and monitoring our credit models to forecast cash flows and assess net present value of new lending cohorts
• Writing credit proposals which will be adopted as Monzo underwriting policy
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Building, maintaining & responsible for the database tables and dashboards that provide insights and promote rapid, data-driven decisions
• Assessing how the lending portfolio of particular products will perform over time

You should apply if:

• You have strong domain expertise in providing lending products to small businesses
• You have a deep understanding of how business lending works, including regulation and industry best practice
• You have a solid understanding of lending economics and have experience developing and deploying underwriting strategies and credit models
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus
• You can bring a dynamic energy to the team, and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points
• You have some experience in project management and coordination across teams
• You work well collaborating in a team with diverse skill-sets and personality types
• You have a working understanding of the regulations that apply to lending in the UK
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

The Interview Process:

Our interview process involves 4 main stages: 

• Recruiter Call
• Initial Call 
• Take Home Task
• Final stage (x3 interviews) consisting of a case study, role specific and values interview

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.

What’s in it for you:

???? £65,000 to £85,000 ➕plus stock options + benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

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

#LI-SL1  #LI-Remote

????London, Cardiff or UK Remote | ???? £55,000 - £67,500 + Benefits | Hear from the team 

⭐ Our Finance team

We are seeking anAnaplan Model Builder on a 12 month fixed term contract.As an Anaplan Model Builder, you will play a critical role in supporting the transformation of our financial planning models. Working closely with the Anaplan Solutions Architect, you will help build and implement updated Anaplan models based on existing modelling.

????You’ll play a key role by…

• Assisting in building and implementing new Anaplan models.
• Converting and enhancing existing financial models, ensuring data accuracy and model efficiency.
• Collaborating with the FP&A team and Finance Business Partners to understand requirements and translate them into Anaplan models.
• Maintaining and updating existing Anaplan models to reflect changes in business operations and forecasts.
• Documenting model designs, workflows, and processes to ensure knowledge transfer and continuity.
• Supporting the Solutions Architect in troubleshooting and optimising models.

????We’d love to hear from you if you…

• Experience in financial modelling, FP&A, or a related field.
• Hands-on experience with Anaplan, including building and maintaining models.
• Anaplan Level 3 Model Builder or equivalent.
• Strong analytical skills and attention to detail.
• Ability to work independently and manage multiple priorities in a fast-paced environment.
• Banking or financial services experience is a plus, but not required.

????What’s in it for you

????£55,000 - £67,500 ➕ share options

????This role can be based in our London or Cardiff offices, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

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

????We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

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

????The application journey has 2 key steps:

- Video call with hiring manager (30 mins)
- Video interview with FP&A team (60 min)

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

 #LI-NZ1 #LI-Remote

????London, Cardiff or UK Remote | ???? £75,000 - £85,000 + Benefits | Hear from the team ✨

⭐ Our Finance team

As a Anaplan Solutions Architect, you will lead the development and maintenance of our Anaplan platform and strategic direction, working with stakeholders to deliver against the roadmap. This is an exciting opportunity to develop our models that are used directly by multiple teams across Finance.

????You’ll play a key role by…

• Designing, building and implementing new developments in Anaplan.
• Collaborating closely with Finance Business Partners, FP&A, and Financial Risk teams to ensure modelling meets their needs and supports strategic decision-making.
• Redesigning, updating and maintaining models, modules, and dashboards to support FP&A processes.
• Implementing best practices in Anaplan model design, ensuring scalability, efficiency, and ease of use and ensuring solution design aligns with standards and policies.
• Providing technical leadership and guidance on Anaplan to team members and stakeholders.
• Continuously monitoring, troubleshooting, and optimising Anaplan models to ensure high performance and accuracy.
• Advising and supporting decision making in model design and managing associated risks and opportunities

????We’d love to hear from you if you…

• Strong experience in financial modelling.
• Hands-on experience with Anaplan, including experience as a Solutions Architect.
• Anaplan Certified Solutions Architect or equivalent.
• Strong understanding of financial planning, budgeting, forecasting, and reporting processes.
• Excellent problem-solving skills, with the ability to translate complex financial models into Anaplan.
• Strong analytical skills and attention to detail.
• Ability to work independently and manage multiple priorities in a fast-paced environment.
• Banking or financial services experience is a plus, but not required.

????What’s in it for you

????£55,000 - £67,500 ➕ share options

????This role can be based in our London or Cardiff offices, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

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

????We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

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

????The application journey has 2 key steps:

- Video call with hiring manager (30 mins)
- Video interview with FP&A team (60 min)
- Behavioural video interview with finance team (45 min)

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

 #LI-NZ1 #LI-Remote

????Remote in the UK ???????? | ???? £48,000 - £70,000 + Benefits and Stock Options

We’re looking for a high-performing, inspirational leader to join our Anti-Money Laundering Operations leadership team as an Operations Manager.

You’ll help our Anti-Money laundering investigators protect Monzo, our customers, and wider society from financial crime,and support us to achieve our mission of making money work for everyone.

As an Anti-Money laundering Operations Manager, you would have oversight over a large team of around 80 investigators, focused on risk-mitigating activities like transaction monitoring, suspicious activity reporting, high risk account reviews, and account closures. To help you lead this team, you would manage a team of around 7 Team Managers and 2 technical experts, who are responsible for supporting investigators to complete risk-based, accurate, and efficient financial crime investigations.

You’ll take charge of your team’s performance, monitor service levels, build a management culture you can be proud of, be a point of escalation for complex challenges, and take appropriate action whenever you see a problem coming - whether it’s a service challenge, a risk associated with a financial crime task, or an urgent personal issue.

This role requires a good understanding of the Anti-Money laundering landscape in the UK, and excellent leadership skills. 

???? You’ll play a key role by…

• Monitoring the day-to-day performance and service position of the Anti-Money Laundering Operations team, and promptly address identified challenges.
• Ensuring the Anti-Money Laundering team is equipped with effective training and guidance and work with stakeholders across the business to make this happen.
• Leading your team to complete risk-based accurate and efficient anti-money laundering investigations.
• Developing, communicating and implementing operational change.
• Fostering great stakeholder relationships with teams across the business, including quality assurance, complaints, financial crime risk, hiring and more.
• Building and maintaining a high-performance, agile and empathetic management culture that is consistent with Monzo's values.
• Managing the personal and professional development of 9 direct reports, including around 7 Team Managers and 2 Technical experts.
• Contributing to a strong control environment by minimising breaches and risk events, and resolving operational incidents when they occur.  
  
  

???? We’d love to hear from you if…

• You have experience leading high-performing operational teams in Financial crime or Fraud. 
• You have experience analysing management information and building effective response plans.
• You have experience leading (or closely supporting) the implementation of change projects in operational teams.
• You have a strong understanding of current and emerging financial crime trends.
• You have a good understanding of anti-money laundering laws and regulation in the UK.
• You have excellent coaching skills, with a track record of supporting people to achieve their personal development ambitions.
• You have great written and verbal communication skills.
  
  

It would also be great if you had:

• An ICA International Advanced Certificate in Anti Money Laundering, or equivalent/superior industry qualifications.

The successful candidate will report into the Senior Financial Crime Operations Manager for Anti Money Laundering and will work closely alongside two other Operations Managers within Anti Money Laundering to collectively lead the department. We’re looking for someone who can manage their team independently while still working well with others and driving collective improvement.

⏳ This role will be advertised for 2 weeks. Applications closeon Wednesday 13th November at 4pm.


???? The application journey has 4 key steps:

Application
Recruiter Call
Leadership/Stakeholder Interview
Role Specific/Technical Interview


What’s in it for you:

???? £48,000 - £70,000  ➕ stock options & benefits 

????This role is a UK remote based role

????Learning budget of £1,000 a year for books, training courses and conferences

➕Much more, see our full list of benefits here

#LI-DR

????London or Remote (UK) | ????salary will be dependant on experience + Benefits |

⭐ Our Supplier Operations team

We’re looking for a strategic and commercially minded Senior Procurement Manager to support our ambitious global growth goals. You'll be instrumental in advancing Monzo’s procurement capabilities to align with our expansion, identifying opportunities and managing risks effectively. This is a fantastic opportunity for someone keen to progress their career in a dynamic, tech-focused bank with bold ambitions.

You'll be joining a small, high-performing team that is committed to delivering exceptional results for Monzo and its customers. Working on diverse projects, including our expansion into new markets, you'll gain unique insights into Monzo's operations at every level.

Reporting to the Supplier Operations Lead, you’ll be a key member of the team, taking charge of sourcing, negotiating, and managing supplier relationships. You'll collaborate closely with internal stakeholders to ensure procurement strategies effectively support Monzo's objectives, particularly as we extend our reach into the EU.

???? You’ll play a key role by…

• Leading critical procurement initiatives that advance Monzo's strategic goals and support our growth
• Developing strong relationships with internal business partners to ensure suppliers and procurement strategies are in sync with our long-term business objectives
• Building and maintaining long-term, mutually beneficial relationships with suppliers
• Working alongside the business to achieve optimal commercial outcomes without sacrificing quality, service, or safety
• Playing a pivotal role in identifying and onboarding the right third-party partners
• Serving as an expert in procurement, commercial strategies, and relationship management
• Partnering with internal teams, including Legal, Compliance, Tech, Finance, Product, and Operations, to facilitate growth initiatives and ensure procurement's role in enabling scalable business solutions

???? We’d love to hear from you if…

• You possess a strong understanding of procurement in high-growth, technology-driven environments, ideally within fintech or other fast-paced industries
• You have demonstrated experience in navigating procurement challenges associated with global expansion, including a deep knowledge of regulatory requirements and market-specific dynamics
• You have a proven track record in purchasing technology and software licences
• You are well-versed in information security and cyber risk management
• You obtain a comprehensive understanding of regulations governing outsourcing in financial services or insurance sectors
• You are skilled in utilising procurement, contract lifecycle management tools and platforms to enhance process efficiency
• You are experienced with procure-to-pay processes and ERP systems

???? The application journey has 3 key steps

• 30 minute Recruiter call 
• 30 minute Initial call with the Hiring Manager
• 2 hours of technical and behavioural interviews

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

You’ll hear from us throughout the application process, but if do have any specific questions please contact us on business-hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

???? What’s in it for you

???? Competitive base salary ➕share options

???? This role can be based out of our London office next to Liverpool Street station (a hybrid of office based and home working) or fully remote within the UK

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team

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

???? We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup

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

#LI-Remote #LI-OS1