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Monzo Bank
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  • Engineering Director, Security  

    - Greater London
    ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon or Remote (UK) | ð Base salary 170k - 200k + Equity + BenefitsMonzo is on a mission to build technology that connects the world. We are more than a platform; we are a global infrastructure that millions of people rely on for their daily lives, finances, and communication. This puts us in an incredibly unique position. We are the custodians of immense amounts of sensitive financial data as well as people’s money that are highly attractive to sophisticated adversaries and state-level actors.Monzo has always adopted a Secure by Designmodel. We believe that security is not a function, but is instead a fundamental property of high-quality engineering. We have a world-class team of software and security engineers who ensure our platform is inherently secure and resilient, and we achieve that by making our security principles an invisible part of the developer experience.The RoleThe Engineering Director, Security will be a senior leader within our global Security organisation, partnering directly with the CISO and other senior engineering leaders. You will lead an organisation of 30–50 engineers and leaders to define and deliver a strategy that protects our global footprint.We’re looking for a deeply technical software engineering leader who has built and led high performing infrastructure, platform, or distributed systems engineering organisations and can apply those skills to one of Monzo’s most important engineering challenges: making security an embedded, invisible property of how we build software.You do not need to come from a traditional security background. We care more about exceptional engineering leadership, organisational design, platform thinking, and strong technical judgement than deep specialisation in security.What you'll doDrive the secure-by-design mandate, leading the transition from reactive security to proactive architectural invariants. Your goal is to ensure that our core platform primitives - compute, storage, networking and identity - are built with inherent security properties that cannot be bypassed.Eliminate systemic risk by identifying fundamental, cross-cutting security problems and driving major software engineering improvements to solve them at the root. Partner with product and software engineering teams to embed a healthy security culture into Monzo’s product development process.Cultivate an engineering-first culture, fostering a culture where security engineers are, first and foremost, software engineers. You’ll ensure your teams are delivering high-leverage tools and frameworks that enable the data and software engineering disciplines to move at the speed-of-thought, without compromising security.Manage a high-performing group of software engineering leaders and senior individual contributors, nurturing a diverse organisation that thrives on solving the world’s most complex security challenges.Collaborate with software engineering managers and engineering leaders to contribute to company-wide security best practices and standards.Form a close alliance with the CISO, CTO, and Product leaders to advise on the long-term health of the business, ensuring our security roadmap is aligned with our global mission.Responsible for the engineering effectiveness and operational excellence of your teams, setting a high bar for performance, rigour, and inclusive leadership.What we are looking for We are looking for a leader who has been in the weeds of technical detail and has moved into high-scale leadership without losing their technical edge. This is not a traditional Head of Security or CISO-style role, and we are intentionally looking beyond career security specialists.Strong candidates may come from software engineering, distributed systems, developer platforms, infrastructure engineering, or large-scale backend product engineering backgrounds. You do not need to have spent your career in security. What matters most is exceptional engineering leadership, strong technical judgement, and experience building highly reliable, secure-by-default software systems at scale.Whilst this role doesn’t require deep specialist security expertise, we’re looking for:Architectural authority: You possess the technical depth to understand and challenge complex engineering decisions. You can lead a room of Principal Engineers through a deep-dive into distributed systems, or cryptographic trust boundaries.Proven leadership: You have a track record of leading engineering organisations of 30–50 people in a high-growth, top-tier tech environment. You know how to structure teams for maximum impact and autonomy.Software engineering experience: You likely spent the first half of your career as a Senior or Staff Engineer. You have a deep understanding of how systems are built.Outcome-obsessed: You prioritise high-leverage work over process for process’s sake. You understand that good security looks like a platform that is secure by default, not a long list of compliance tickets.Empathy & inclusion: You have a high degree of emotional intelligence and a relentless drive to create an inclusive, blameless team environment where everyone can do their best work.Decisiveness in ambiguity: You are comfortable operating with a high degree of autonomy, making high-stakes decisions in fast-moving, often time-sensitive scenarios.How we work ð»:Locations & Flexible Working : Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays ð½️. Teams also schedule time together often for work and play – in or around the office, or online.Set up a work schedule that delivers impact and fits your life.At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. ðWork the way that works for you with Monzo! ð¼The interview process:Our interview process involves 3 main stages:Recruiter Call (30 mins) You'll meet our Engineering Leadership Recruiter to discuss your experience and learn more about Monzo. They'll be your partner and guide throughout the interview process.Initial Call (1 hour) You'll meet with our VP of Engineering. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)Loop Stage - This is one stage with 4 interviews (totalling 4 hours) split between a collaboration with one of our engineers on a technical exercise, as well as execution and leadership interviews.At all stages we’ll create space for you to ask as many questions as you have, you’re interviewing us as well!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:ðBase salary 170k - 225k + Equity + Benefits️ We can help you relocate to the UK We can sponsor visasðThis role can be based in our London office, or we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.ðLearning budget of 1,000 a year for books, training courses and conferencesAnd much more, see our full list of benefits hereEqual opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • Senior Credit Analyst  

    - Cardiff
    ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon, Cardiff or Remote (UK)  | ð 76,500 to 108,100 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing Our team Our Borrowing business is growing rapidly across both existing products and a range of new initiatives. From credit cards and loans to emerging lending products, we’re building solutions that give customers greater control, transparency, and flexibility in how they manage their finances.If you’re interested in using data to understand lending performance, improve decision-making, and support the development of credit strategies, this role offers the opportunity to work on meaningful problems with clear business impact.This is a high-impact, cross-functional environment where you’ll work closely with Product, Engineering, Data Science, Finance, and Risk & Control to drive sustainable, profitable, and responsible growth across our lending portfolio.You’ll operate at the intersection of credit risk, commercial performance, and customer experience, helping ensure Monzo’s borrowing products remain competitive, scalable, and aligned with strong customer outcomes.ð You’ll play a key role by...As a Senior Credit Analyst, you’ll play a critical role in shaping Monzo’s credit strategy across credit card products. Your responsibilities will include:Design and refine credit underwriting and limit strategies to optimise risk and growthAnalyse portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insightsBuild and interpret NPV and profitability models to inform strategic decisionsDevelop segmentation frameworks to identify revenue and risk pressure pointsLead analytical deep-dives into portfolio trends and emerging risksPartner with Product and Engineering teams to design and test new features and strategy changesEvaluate the commercial and customer impact of pricing, eligibility, and limit decisionsPresent clear, structured recommendations to senior stakeholdersSupport regulatory and governance requirements, ensuring strategies align with policy and risk appetiteHow we work:Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.Work the way that works for you at Monzo! ð¼ð We’d love to hear from you if…You have experience in unsecured lending, ideally within credit cardsA strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Experience of modelling rewards cards is a plus.Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing)Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plusExperience working with NPV models, profitability analysis, and portfolio forecastingConfidence communicating complex analysis clearly to non-technical stakeholdersExperience collaborating cross-functionally in a fast-paced environmentAn interest in balancing risk, growth, and customer outcomesWe're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our Data Progression Frameworkð The application journey has 3 key stepsRecruiter callInitial callFinal stage (x3 interviews) consisting of a case study, role specific interview and collaboration interviewThis process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.ð What’s in it for youð76,500 to 108,100 + Incentive Awards tied to your performance + Benefits ️ We can help you relocate to the UK We can sponsor visasðThis 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.ð Learning budget of 1,000 a year for books, training courses and conferencesð¡ 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-JH1  #LI-RemoteEqual opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • Senior User Research Manager  

    - Cardiff
    ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon/Cardiff/UK Remote | ð110,000-150,000 + equity + Incentive Awards tied to your performance + BenefitsAbout the teamCore Banking's mission is to make everyday money magical for everyone.We're responsible for the products millions of customers rely on every day — from current accounts, joint accounts and accounts for kids and teens, through to money management, budgeting, and our paid subscriptions. These are some of Monzo's most loved experiences, and they're at the heart of how customers interact with us.As we continue to grow, we're looking for a Senior User Research Manager to help shape the future of Personal Banking. This is an opportunity to lead research across one of Monzo's largest product areas, influence company strategy, and develop exceptional research leaders.ðYou’ll play a key role by...You'll be responsible for both people leadership and strategic research leadership. This includes:Leading research across Core Banking while helping shape a coherent Personal Banking research strategy that spans multiple product areas.Partnering closely with the Core Banking Leadership Team, Product Directors, Design leaders and senior stakeholders across Wealth, Payments, Borrowing and our European business.Helping define and land parts of Monzo's global research operating model as we expand internationally, ensuring teams work effectively across both global and local markets.Connecting customer insights across collectives, identifying themes, opportunities and gaps rather than viewing research through the lens of a single team.Bringing together existing research, product data, market insights and quantitative evidence to help leadership make informed strategic decisions.Managing managers and supporting approximately 6-8 direct and indirect reports while maintaining a consistently high bar for research quality.Creating an environment where researchers can balance methodological rigour with the speed needed to build great products.ð We’d love to hear from you if…You have experience with:Leading senior researchers and/or research managers within a complex product organisation.Shaping and influencing product strategy through research at both organisational and executive level.Working across multiple product areas, bringing together disparate customer insights into a coherent strategic narrative.Navigating complex stakeholder environments where different teams have competing priorities, metrics and timelines.Partnering with Product, Design, Engineering and Data Science leaders to influence roadmaps and business strategy.Combining qualitative research with quantitative signals, product data and market insights to develop strategic recommendations.Building alignment across large organisations and landing new ways of working with multidisciplinary teams.Coaching research leaders while maintaining a high quality bar across multiple teams.Making thoughtful trade-offs between research depth, pace and business impact.ð What’s in it for youð 110,000 - 150,000 Incentive Awards tied to your performance.️ We’ll help you relocate to the UK.  We can sponsor your visa. ðThis 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. ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ 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.ð The application journey has 3 key stepsRecruiter call (30 minutes): A conversation with one of our recruiters to learn more about your background, motivations, and what you're looking for next, while giving you the opportunity to learn more about Monzo and the role.Leadership & Ways of Working (45 minutes): We'll explore your leadership experience, approach to research strategy, and how you raise the research quality bar.Final loop (Total 1hr 30 - 2 hours): Two interviews covering Managing Teams & People and Leadership & Impact, where we'll discuss your approach to developing research leaders, building high-performing teams, influencing strategy, and driving organisational impact.This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.#LI-LG1  #LI-RemoteEqual opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • Specialist, Performance & Analytics  

    - Greater London
    ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon | 56,100 - 75,900 + Incentive Awards tied to performance + Benefits️ Our Costs Team We're looking for a Cost Performance & Analytics Specialist to lead the Cost Efficiency Team’s  digital transformation, helping build scalable processes, governance and automation that support Monzo's next stage of growthThis role owns the continuous improvement of finance processes, governance and operating models across our cost base. You'll identify opportunities to simplify work, improve controls, automate manual activities and ensure our finance processes remain scalable, well documented and audit ready.You'll work across Finance, Data, Technology and the business to improve how planning, reporting and governance operate, while helping deliver the Finance transformation roadmap. Rather than producing month end reporting yourself, you'll improve how Finance delivers it.ð You’ll play a key role by...Building the future Finance operating model by redesigning processes, governance and ways of working so Finance scales efficiently as Monzo continues to grow.Leading Finance transformation initiatives from idea through to implementation, delivering measurable improvements to efficiency, controls and the experience of stakeholders.Eliminating manual work through automation, partnering with Finance Data and Technology teams to streamline planning, reporting and governance processes so teams spend more time on analysis and decision making.Designing simple, well-controlled Finance processes that are easy to follow, consistently applied and meet Internal Audit and regulatory expectations.Owning Finance's model / process documentation and standards, ensuring policies, SOPs and process maps remain accurate, accessible and support operational resilience across the team.Driving continuous improvement using data, identifying process bottlenecks, measuring performance through KPIs and implementing practical solutions that improve speed, quality and customer experience.Partnering across Finance, Data, Technology and the wider business to understand challenges, influence priorities and deliver change that creates lasting value.Improving the quality of Finance data and planning models, working with Finance Systems and Data teams to strengthen governance, improve reporting accuracy and increase confidence in financial decision making.Managing the Finance change portfolio, coordinating multiple improvement initiatives, tracking delivery, managing risks and ensuring investment is focused on the highest-value opportunities.Helping build a culture of operational excellence, coaching colleagues on best practice, embedding standard ways of working and creating reusable tools and knowledge that make Finance more effective every day.ð We’d love to hear from you if…Finance transformation experience with a proven track record of leading cross functional change that improves efficiency, governance and the effectiveness of operations.Process improvement expertise demonstrated through the ability to redesign business processes, simplify ways of working and deliver measurable operational improvements.Project and change management skills with experience delivering transformation initiatives, managing competing priorities and influencing stakeholders through change.Automation and technology mindset with the ability to identify manual processes, define automation opportunities and partner with technical teams to implement scalable solutions.Strong stakeholder management and communication with the ability to build trusted relationships, influence senior leaders and collaborate effectively across teams.Data governance and control knowledge with an understanding of risk management, process controls, audit requirements and the importance of well governed operations.Analytical and problem solving capability with the ability to use data and insight to identify root causes, evaluate options and implement practical, value adding solutions.Continuous improvement mindset with a passion for challenging the status quo, embedding best practice and creating a culture of operational excellence and learning.ð What’s in it for youð56,100 - 75,900 Incentive Awards tied to performance. ðThis role is based in our London office, with a hybrid working environment with flexible working from home arrangements and some in-person attendance. We're open to distributed working within the UK (with the expectation of occasional work from our London office for key meetings).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. ð1,000 learning budget each year to use on books, training courses and conferences.ð¡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 benefitsð The application journey has 3 key steps:Recruiter Screening Call. Role Specific Interview. Final Interview with Hiring Manager Our average process takes around 3-4 weeks but we will always work around your availability. 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-TP1Equal opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • Engineering Director, Security  

    - Cardiff
    ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon or Remote (UK) | ð Base salary 170k - 200k + Equity + BenefitsMonzo is on a mission to build technology that connects the world. We are more than a platform; we are a global infrastructure that millions of people rely on for their daily lives, finances, and communication. This puts us in an incredibly unique position. We are the custodians of immense amounts of sensitive financial data as well as people’s money that are highly attractive to sophisticated adversaries and state-level actors.Monzo has always adopted a Secure by Designmodel. We believe that security is not a function, but is instead a fundamental property of high-quality engineering. We have a world-class team of software and security engineers who ensure our platform is inherently secure and resilient, and we achieve that by making our security principles an invisible part of the developer experience.The RoleThe Engineering Director, Security will be a senior leader within our global Security organisation, partnering directly with the CISO and other senior engineering leaders. You will lead an organisation of 30–50 engineers and leaders to define and deliver a strategy that protects our global footprint.We’re looking for a deeply technical software engineering leader who has built and led high performing infrastructure, platform, or distributed systems engineering organisations and can apply those skills to one of Monzo’s most important engineering challenges: making security an embedded, invisible property of how we build software.You do not need to come from a traditional security background. We care more about exceptional engineering leadership, organisational design, platform thinking, and strong technical judgement than deep specialisation in security.What you'll doDrive the secure-by-design mandate, leading the transition from reactive security to proactive architectural invariants. Your goal is to ensure that our core platform primitives - compute, storage, networking and identity - are built with inherent security properties that cannot be bypassed.Eliminate systemic risk by identifying fundamental, cross-cutting security problems and driving major software engineering improvements to solve them at the root. Partner with product and software engineering teams to embed a healthy security culture into Monzo’s product development process.Cultivate an engineering-first culture, fostering a culture where security engineers are, first and foremost, software engineers. You’ll ensure your teams are delivering high-leverage tools and frameworks that enable the data and software engineering disciplines to move at the speed-of-thought, without compromising security.Manage a high-performing group of software engineering leaders and senior individual contributors, nurturing a diverse organisation that thrives on solving the world’s most complex security challenges.Collaborate with software engineering managers and engineering leaders to contribute to company-wide security best practices and standards.Form a close alliance with the CISO, CTO, and Product leaders to advise on the long-term health of the business, ensuring our security roadmap is aligned with our global mission.Responsible for the engineering effectiveness and operational excellence of your teams, setting a high bar for performance, rigour, and inclusive leadership.What we are looking for We are looking for a leader who has been in the weeds of technical detail and has moved into high-scale leadership without losing their technical edge. This is not a traditional Head of Security or CISO-style role, and we are intentionally looking beyond career security specialists.Strong candidates may come from software engineering, distributed systems, developer platforms, infrastructure engineering, or large-scale backend product engineering backgrounds. You do not need to have spent your career in security. What matters most is exceptional engineering leadership, strong technical judgement, and experience building highly reliable, secure-by-default software systems at scale.Whilst this role doesn’t require deep specialist security expertise, we’re looking for:Architectural authority: You possess the technical depth to understand and challenge complex engineering decisions. You can lead a room of Principal Engineers through a deep-dive into distributed systems, or cryptographic trust boundaries.Proven leadership: You have a track record of leading engineering organisations of 30–50 people in a high-growth, top-tier tech environment. You know how to structure teams for maximum impact and autonomy.Software engineering experience: You likely spent the first half of your career as a Senior or Staff Engineer. You have a deep understanding of how systems are built.Outcome-obsessed: You prioritise high-leverage work over process for process’s sake. You understand that good security looks like a platform that is secure by default, not a long list of compliance tickets.Empathy & inclusion: You have a high degree of emotional intelligence and a relentless drive to create an inclusive, blameless team environment where everyone can do their best work.Decisiveness in ambiguity: You are comfortable operating with a high degree of autonomy, making high-stakes decisions in fast-moving, often time-sensitive scenarios.How we work ð»:Locations & Flexible Working : Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays ð½️. Teams also schedule time together often for work and play – in or around the office, or online.Set up a work schedule that delivers impact and fits your life.At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. ðWork the way that works for you with Monzo! ð¼The interview process:Our interview process involves 3 main stages:Recruiter Call (30 mins) You'll meet our Engineering Leadership Recruiter to discuss your experience and learn more about Monzo. They'll be your partner and guide throughout the interview process.Initial Call (1 hour) You'll meet with our VP of Engineering. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)Loop Stage - This is one stage with 4 interviews (totalling 4 hours) split between a collaboration with one of our engineers on a technical exercise, as well as execution and leadership interviews.At all stages we’ll create space for you to ask as many questions as you have, you’re interviewing us as well!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:ðBase salary 170k - 225k + Equity + Benefits️ We can help you relocate to the UK We can sponsor visasðThis role can be based in our London office, or we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.ðLearning budget of 1,000 a year for books, training courses and conferencesAnd much more, see our full list of benefits hereEqual opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • Lead Insurance Pricing Analyst  

    - Cardiff
    ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon (UK) | ð 85,000-138,000 + Incentive Awards tied to your performance + benefitsAbout the Insurance Team:We’re building insurance that actually works for people – no jargon, no faff, no feeling like you’re being caught out.Our mission is to offer simple, reliable and delightful insurance products that meet real-life needs, backed by great underwriting and claims partners to power seamless internal operations and exceptional customer experiences. We’re scaling our first product line, Home insurance, with plans to expand into additional insurance categories over the coming years. We're a focused team with ambitious growth targets and a chance to build something special from the ground up.About the Role:We’re looking for a Lead Insurance Pricing Analyst to help us better understand and improve the performance of Monzo’s insurance pricing.This role sits at the intersection of data, pricing, and growth. You’ll be responsible for understanding how our prices perform in market, why, and where changes may be needed - from day-to-day optimisation through to longer-term pricing strategy.This role will help Monzo bring stronger customer, conversion and market insight into pricing discussions, so we can better understand where we should be competitive, which customer segments we want to grow, and how pricing changes could support both growth and loss performance - while working in partnership with our insurer, who owns the pricing decisions and risk selection.You’ll work closely with our insurance partner, data scientists, and product teams to turn pricing, risk and loss data into clear, actionable recommendations - particularly as we scale our distribution channels, including on price comparison websites (PCWs).ð You’ll play a key role by…Building and maintaining a clear view of day-to-day pricing performance - understanding where we sit in the market and whyAnalysing pricing, conversion, claims and loss ratio data to identify opportunities to improve growth and profitabilityRunning and supporting pricing experiments (e.g. segment-level changes, elasticity testing) including on PCWsRefining pricing segments, rating factors and tiering to improve decision qualityWorking with our insurer to evaluate pricing opportunities, assumptions and trade-offs, bringing the Monzo customer, conversion and market insight lensBuilding a clear view of price competitiveness, especially on PCWs, and recommending actions to improve rank and conversionWorking with Data Science to deepen analysis, while independently driving core pricing workHelping develop our internal pricing capability - including frameworks, datasets and ways of workingð We’d love to hear from you if…You have experience in insurance pricing, risk modelling, or data science - ideally UK Home or another personal lines productYou are highly analytical and hands-on with data, comfortable running pricing experiments (e.g., elasticity testing), and using conversion, loss ratio, and risk data to drive actionable decisionsYou have enough underwriting and pricing knowledge to assess pricing assumptions, rating factors and trade-offs using dataYou have a solid grounding in SQL and experience with Data Analysis tools such as Python, Jupyter, Looker or similarNice to have (but not essential):You’ve worked in a digital-first insurer, insurtech, or high-growth product-led environmentYou have experience with PCWs or other highly price-sensitive distribution channelsFamiliarity with underwriting concepts and insurer-led pricing discussionsWhat’s in it for youð Salary is 85,000 - 138,000 depending on experience ð This role will be based out of our London office next to Liverpool Street station - in a hybrid way of working between the office and home 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. ð 26 days holiday (plus bank holidays)ð Private medical insurance with WPAð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ 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-NJ1Equal opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • Senior Legal Counsel, Digital Assets and Payments  

    - Greater London
    ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon/Cardiff/UK Remote | ðcirca 110,000 + Incentive Awards tied to your performance + Benefits | Hear from the teamWe’re looking for a Senior Legal Counsel to join our team at Monzo to support our payments business including digital assets and emerging payment technologies. You will report to Monzo’s Director of Legal for Payments & Business Banking, be part of the Legal and Board Governance Collective, and act as a legal business partner for the teams working on these initiatives.This role sits at the intersection of payments, digital assets and emerging payments technologies. You’ll help teams navigate a rapidly evolving legal and regulatory landscape, helping Monzo innovate responsibly while protecting our customers. You’ll work at all levels in the organisation and with a wide-range of stakeholders from Product Managers and Designers, to Operations professionals and Software Engineers, and Risk, FinCrime and Compliance professionals. While payments, digital assets and emerging financial technologies will be your primary focus, more broadly, you will also have opportunities to work within a team of product lawyers to give first rate legal advice and support to Monzo’s Product Collectives, including in areas like personal and business banking. ðYou’ll play a key role by...You’ll work directly with senior lawyers, product managers and engineers to provide legal advice and commercial insights to develop and grow Monzo Bank in the UK - and internationally. In particular, you will: Partner with product managers to advise on legal matters, in particular relating to the impact of  digital assets and emerging financial technologies, and advise on the legal and regulatory requirements for Monzo. Help to develop efficient ways of working to enable Monzo to scale quickly, and ensuring Monzo operates safely and in accordance with the law and regulation.Provide training and knowledge sharing with other Monzonauts on the impact of laws and regulations for Monzo and our customers in your specialist area..Often act as the sole lawyer advising product managers or other colleagues, identifying legal issues proactively, evaluating relevant risks and finding effective solutions to unique and complex business activities. You’ll work closely and collaboratively with Monzo’s Director of Legal for Payments & Business Banking, Director of Product Legal, the General Counsel of Monzo Bank Limited and the other members of the UK Legal team to provide legal advice and commercial insights, in particular in relation to digital assets and other emerging financial technologies, to Product teams.You’ll be a trusted advisor and will work proactively and collaboratively with other relevant stakeholders and teams across the Monzo Group, including the Product, Risk & Compliance, Supplier Operations, Financial Crime, Fraud and Operations teams.You’ll advise on the evolving legal and regulatory framework for digital assets and emerging financial technologies, working with colleagues across the UK and EU to  to help us identify relevant local legal and regulatory requirements and apply them to our products.You’ll work with colleagues across the Legal and Board Governance Collective to improve the management of our teams’ activities, including through identifying suitable technology solutions to streamline workflows, optimise processes and efficiencies, and increase scalability.You’ll proactively manage relationships with external suppliers and law firms to enhance processes around cost management to ensure we are optimising our spend and extracting best value while delivering top-quality legal support. ð We’d love to hear from you if…You are a technically excellent lawyer with a minimum of 5 years of relevant post-qualification experience, with recent experience of digital assets, emerging financial technologies and the evolving regulatory regime.You have demonstrated experience of advising on laws and regulations relevant to financial services, including the UK regulatory regime as it applies to digital assets and emerging payment technologies.   You are a team player and a keen problem solver, skilled at assessing risk and recommending solutions that balance commercial and risk considerations. You think ahead, anticipate relevant challenges, understand the commercial objectives of the teams you support, set clear objectives, and find effective solutions. You are proactive, take initiative to broaden your knowledge, and are passionate about the intersection of banking and technology and the transformation unfolding in consumer finance. You are excited to work in a fast-paced environment and to join us for the next stage of our journey at Monzo!The interview process:Our interview process involves 3 main stages: Recruiter callInitial call Full loop: Technical and behavioural interviews Our average process takes around 3-4 weeks but we will always work around your availability. What’s in it for you:ð circa 110,000 + Incentive Awards tied to your performance benefits ️ We can help you relocate to the UKðThis role is based in our London office. If you are not based in London, we're open to discuss this on a case by case basis. 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.ð Learning budget of 1,000 a year for books, training courses and conferences And much more, see our full list of benefits here This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.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. Equal opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • Buyer  

    - Cardiff
    ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon/Cardiff/UK Remote | ð40,000 - 52,000 + Incentive Awards tied to your performance | BenefitsOur Procurement team The Procurement team at Monzo is evolving into a proactive, strategic partner to the business - one that shapes commercial decisions, enables scale, and delivers meaningful long-term value.We’re hiring a Buyer to join the team. This role will align to a defined category/collective and focus on delivering strong sourcing and commercial outcomes. While you’ll work within a specific spend area, we’re hiring for strong, transferable procurement skills - not deep subject matter expertise.This is a great opportunity to build deeper category knowledge over time while becoming a high-visibility partner who guides stakeholder and business direction and builds credibility.ðYou’ll play a key role by...​​Leading end-to-end sourcing processes within your aligned category, operating with a high degree of autonomy and accountabilityNavigating complex trade-offs, applying sound commercial judgement to balance risk, cost, value and long-term strategyRunning competitive events and negotiating commercial terms that deliver measurable valueOwning contract execution and renewal planning, proactively managing timelines and dependenciesTranslating stakeholder requirements into clear, commercially robust solutions - challenging constructively where neededAligning and, where necessary, realigning stakeholders to drive clarity, momentum and confident decision-makingIdentifying and delivering opportunities to improve commercial outcomes within your remit through insight, influence and independent thinkingð Growth & DevelopmentThis role offers the opportunity to align to a category and develop deeper expertise over time, building both commercial depth and strategic influence. If you bring experience in a particular spend area, we’d love to know - but it’s not a prerequisite.We’re primarily looking for strong procurement fundamentals and the ability to apply them thoughtfully in new contexts.As you demonstrate independent execution, strong judgement and stakeholder leadership, there’s clear opportunity to broaden your remit, increase complexity, and grow your impact longer term.ð We’d love to hear from you if…Have experience running end-to-end sourcing processes and negotiating commercial terms, always seeking to understand the commercial rationale behind decisionsUnderstand core procurement principles and can clearly articulate commercial trade-offs - balancing cost, risk, value and long-term impactNaturally curious, seeking to understand the “why” behind decisions and constructively challenging assumptions to drive stronger commercial outcomesAre comfortable applying your skills across different spend areas, adapting your approach to new contexts with sound judgementHave experience working closely with stakeholders, guiding and influencing commercial conversations with confidenceThrive in fast-paced environments and enjoy solving practical commercial challenges with curiosity and ownershipYou’re curious about and comfortable using AI tools (like Gemini or Claude) to power up your research and analysisNot ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply, even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!ð What’s in it for youð 40,000 - 52,000 + Incentive Awards tied to your performanceðThis 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. ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ 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.ð The application journey has 3 key steps30 min call with the Recruiter30 min initial call with the Hiring Manager2 hours of technical and behavioural interviewsThis process should take around 4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.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-OS1 #LI-REMOTEEqual opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon/Cardiff/UK Remote | ð 93,000-120,000 + Incentive Awards tied to your performance +benefits | Hear from the teamAbout us:At Monzo we want to make money work for everyone. We care deeply about our 15+ million customers. Through magically simple products and actionable insights, we put our customers in control of their finance. Our products are different by design, and reliable at our core.Our range of borrowing products are critical to Monzo’s mission. Not only do they serve important needs of our customers, they are also a key revenue driver to support Monzo keep delivering great products and experience. We have seen stellar growth and deep engagement with millions of borrowers, supported by effective and efficient credit risk management. Our product portfolios are still expanding fast, from personal to business credit, and markets beyond UK. We are looking for bright, passionate and creative individuals to further accelerate our growth.About the roleThe mission of Borrowing ML Scientists is to improve the customer and business outcomes through better automated decisioning, using Machine Learning and Statistical modelling. We have a primary focus in credit risk modelling, with our expertise also applied to predict and optimise utilisation, pricing, collection and marketing.You will be working alongside a team of very experienced and highly efficient ML Scientists, with well established toolings for the fully lifecycle of ML models. Each of you owns multiple ML applications end-to-end, from experiment design and data curation, to deployment and monitoring. You will be empowered to innovate in the data, methodologies and toolings, so we can build better models easier and faster.You will have exposure to all Borrowing products and applications, with autonomy to decide what are the most impactful topics to work on, and how to deliver them. You will work closely with our Credit Strategy Managers, Model Validation Analysts, Backend Engineers, and Product Managers, to fit your model development into the product roadmap. You are also empowered to think big about the business, market and customers, to influence our product and credit strategy beyond just the world of models.Our technology stackWe rely heavily on the following tools and technologies (although we do not expect applicants to have prior experience of all them):Google Cloud Platform for all of our analytics usages BigQuery SQL and dbt for our data modelling and warehousingPyData stack for model development and offline deploymentGoogle Vertex AI platform for cloud computingAWS for backend infrastructure Python for ML model microservicesGo lang for most other microservicesAI toolings for productivity (an evolving list) Google suites including access to GeminiChatGPT enterpriseClaude codeð You should apply if:You are result oriented and motivated by the impact on our customers and businessYou enjoy a high degree of autonomy and thrive in a fast-paced environmentYou are keen to grow your knowledge in both business and technologyð You must have:Excellent SQL and Python skills with good understanding of best practices in software engineering and data engineeringIn-depth knowledge of statistical and machine learning models: gradient boosted trees, logistic regression, neural networks, survival analysis, etcSolid knowledge of statistics: hypothesis testing, confidence intervals, bootstrapExperience of end-to-end model development and maintenance of ML models used for business critical automated decisioning, in a consumer facing industryGreat attention to details while keeping an eye on the big pictureExcellent communication skills to articulate complex problemsCapability to build mutual respect and trust with people of different backgroundNice to have:Experience in UK/EU retail lending businesses for personal/business customersExperience of ML model governance in a regulated industryExperience in leverage modern day AI tools for productivityThe Interview Process:Our interview process involves:30’ Recruiter Call45’ Initial Call60’ ML technical skill interview60’ Behavioural interviewAll interviews will be conducted through Google Meet.What’s in it for you:ð 93,000 to 120,000 plus stock options & benefits️ We can help you relocate to the UK We can sponsor visasðThis role can be either based in our London office with hybrid working pattern, or fully remote within UK with occasional travels to London.ð¡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.ð Learning budget of 1,000 a year for books, training courses and conferences And much more, see our full list of benefits here#LI-DC2  #LI-RemoteEqual opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less
  • ð We’re on a mission to make money work for everyone.We’re waving good... Read More
    ð We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products - we want to solve problems and change lives through Monzo ️ðLondon or Remote (UK)  | ð 79,000 - 93,000 + Incentive Awards tied to your performance + Benefitsð About the team:Our Borrowing (lending) business is growing rapidly across both existing products and with the planned launch of new initiatives. As our lending portfolio grows, our second line of defence Credit Model Validation team is growing with it - and we’re looking for a Credit Model Validation Manager to join us!Our Credit Model Validation team is crucial in providing independent oversight and challenge to our model development teams in the first line of defence to help Monzo grow safely and ensure that the models we use deliver good outcomes for our customers. We’re looking for someone (maybe you?!) to join our validation squad and provide expert independent validation and oversight across our suite of credit models, covering critical business disciplines such as credit strategy and impairment.You’ll have a particular focus on models used for customer-level decisioning and defining our credit strategies - such as underwriting scorecards, origination PD models and Net Present Value (NPV) / unit economics models - across all our lending products.Strong data and analytical skills are a must, as is deep expertise in credit risk modelling. You’ll have hands-on experience in either model validation or model development within a financial services environment, including practical experience using Python to develop, validate or analyse machine learning and statistical models. . In-depth knowledge of credit decisioning models would be a strong plus. ð You’ll play a key role by…Leading hands-on independent validation of models used for credit decisioning within our Borrowing strategies - covering a range of machine learning, decision science and NPV models. You will be ensuring that models are fit for purpose, appropriately governed, explainable and performing as expectedSupporting oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response modelsDeveloping deep understanding of Monzo’s credit models, and using this to provide impactful input and challenge to model developers to improve our modelling capabilitiesReviewing 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 requiredPerforming statistical analyses to independently assess model performance, including developing challenger models where appropriate to test model assumptions and strengthen validation conclusionsImproving our Model Risk Framework, including overseeing our policies, standards and procedures to help embed best practice across the business. This means making sure we follow up-to-date regulatory guidelines, and adapt our processes to make sure they remain relevant as modelling techniques evolveWriting clear and impactful model validation reports, and presenting the findings and actions in relevant committeesPartnering with colleagues in the first line of defence credit strategy and modelling teams - and wider risk teams across Monzo - to support the embedding of our model risk framework and establishing consistent validation standards across the organisationEmbracing new and innovative technology, including leading the adoption of AI tools to enhance our model validation approach ð We’d love to hear from you if…Have a strong background and practical experience in credit model development and/or validation - in particular with exposure to machine learning or statistical models used in credit decisioning, such as decision science scorecards, origination / underwriting PD models, and NPV / unit economics modellingAre data driven, with strong analytical skills and deep understanding of statistical techniques for credit and model risk. Being able to get hands on with data is critical - so strong SQL and Python skills are essential, and experience with data visualisation tools such as Tableau, Looker or similar is a plus!Understand how models are used in real-time decisioning and lending strategies, and how to balance commercial and risk outcomesHave strong written and verbal communication skills, and are able to articulate problems and solutions using clear and simple language. This is particularly important for breaking down complex issues and priorities to non-expertsHave a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challengeAre impact-driven, and proactive in identifying issues and opportunities to improve outcomes for both our customers and our businessAre passionate about technology, and what we’re doing here at Monzo excites you!Our technology stackWe rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):Google Cloud Platform for all of our analytics infrastructuredbt and BigQuery SQL for our data modelling and warehousingPython for data science and machine learningGo to write our application codeAWS for most of our backend infrastructureThe interview process: Our interview process usually involves up to four main stages via Google Hangouts: An initial call with our recruiterA call with our Senior Model Validation Manager, the hiring manager for the role A role-specific call with colleagues from our credit modelling teams. We’ll share a short case study in advance, but you won’t need to submit a written response; we’ll use it to guide the discussion during the interview.A behavioural interview ð What’s in it for youð 79,000 - 93,000 + Incentive Awards tied to your performance benefits.ð 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.ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ We will set you up to work from home; all employees are given MacBooks and for fully remote workers we will provide extra support for your work-from-home setup. Plus lots more! Read our full list of benefits.We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out!LinkedIn Tags: #LI-TK1Equal opportunities for everyoneDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð Read Less

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Astrid-Lindgren-Weg 12 38229 Salzgitter Germany