Monzo

Overview Monzo has around 400 engineers and 4,500 people in total. We build a native Swift iOS app for more than 12 million users and work in small, interdisciplinary squads that move fast, iterate on user experience and value data informed decisions. We value learning, curiosity and impact over graduation letters or seniority. Responsibilities As an iOS engineer you will work in an autonomous product squad alongside Android engineers, backend engineers, user researchers, product designers, product managers, QA testers and data scientists. You will be responsible for a company wide goal rather than a single feature. Your impact spans the personal banking product, customer support tools and the mobile platform squad that enables other engineers to move faster. You will build polished user experiences, ship products on the App Store, make architecture decisions, write unit, UI, snapshot and integration tests, and mentor teammates. Qualifications Product mindset: you care about customer outcomes and make data informed decisions. Swift expertise: you have experience programming in Swift and shipping an app to the App Store. Impact focus: you care about the impact your work has on customers rather than the number of lines of code you output. Design translation: you love turning excellent design into beautiful products. Ambiguity tolerance: you are comfortable working in a team that deals with ambiguity. Computer science fundamentals: you understand core computer science principles. Interview Process Our interview process involves three main stages: the initial call, a take home task or pair coding exercise, and the final interview that includes a system design and a behavioural interview. The average process takes around 2 3 weeks. Benefits £78,000 - £110,000 base salary, stock options and benefits. We provide all engineers with a MacBook Pro, a flexible working schedule, learning budgets, relocation support, visa sponsorship for the UK (remote outside UK not supported) and flexible working hours. We celebrate diversity and welcome all applicants. Equal Opportunity Statement Monzo is an equal opportunity employer and we celebrate diversity. We do not discriminate on race, color, religion, national origin, sex, gender identity, or any other protected class. Apply for this job Apply online through Monzo's careers site.

Overview Monzo has around 400 engineers and 4,500 people in total. We build a native Swift iOS app for more than 12 million users and work in small, interdisciplinary squads that move fast, iterate on user experience and value data informed decisions. We value learning, curiosity and impact over graduation letters or seniority. Responsibilities As an iOS engineer you will work in an autonomous product squad alongside Android engineers, backend engineers, user researchers, product designers, product managers, QA testers and data scientists. You will be responsible for a company wide goal rather than a single feature. Your impact spans the personal banking product, customer support tools and the mobile platform squad that enables other engineers to move faster. You will build polished user experiences, ship products on the App Store, make architecture decisions, write unit, UI, snapshot and integration tests, and mentor teammates. Qualifications Product mindset: you care about customer outcomes and make data informed decisions. Swift expertise: you have experience programming in Swift and shipping an app to the App Store. Impact focus: you care about the impact your work has on customers rather than the number of lines of code you output. Design translation: you love turning excellent design into beautiful products. Ambiguity tolerance: you are comfortable working in a team that deals with ambiguity. Computer science fundamentals: you understand core computer science principles. Interview Process Our interview process involves three main stages: the initial call, a take home task or pair coding exercise, and the final interview that includes a system design and a behavioural interview. The average process takes around 2 3 weeks. Benefits £78,000 - £110,000 base salary, stock options and benefits. We provide all engineers with a MacBook Pro, a flexible working schedule, learning budgets, relocation support, visa sponsorship for the UK (remote outside UK not supported) and flexible working hours. We celebrate diversity and welcome all applicants. Equal Opportunity Statement Monzo is an equal opportunity employer and we celebrate diversity. We do not discriminate on race, color, religion, national origin, sex, gender identity, or any other protected class. Apply for this job Apply online through Monzo's careers site.

Senior Platform Engineer, Machine Learning Cardiff, London or Remote (UK); London 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 through Monzo London / UK Remote £95,000 - £130,000 + stock options + Benefits About Machine Learning Platform Engineering at Monzo: The Platform Collective builds and maintains the infrastructure, tools and processes that sets the rest of Monzo technology teams up for success. We work on a wide range of shared infrastructure, services and engineer tooling. The Machine Learning Platform team sits within the Platform Collective and is responsible for designing, building, and maintaining the infrastructure and tools which empower our teams to train, evaluate, deploy, and serve Machine Learning models and features at scale. Our team is made up of backend engineers with experience in the ML space, using our experience and curiosity to work with the ML teams to identify their needs, and test and build magically simple solutions. How we work Locations & Flexible Working: Our main tech hub is in London, but our engineers live everywhere in the UK- from Brighton to the Western Isles. We value meeting in person but there's no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays. Teams also schedule time together often for work and play - in or around the office, or online. What you'll be working with: We rely heavily on the following tools and technologies, please note direct experience in these technologies is not required and our interview process can be completed in any language: Go to write our application code (there's an excellent interactive Go tutorial here), in platform we build services to manage parts of the platform Python to help build our machine learning models and develop features AWS and GCP to operate our platform. We use AWS for our primary banking platform and Google Cloud for our Data and Machine Learning platform Terraform is primarily how we manage any resources deployed into the cloud You have experience working with AWS and/or GCP You are a hands on engineer with experience in building Machine Learning pipelines and the platforms that support them You have experience working with Kubernetes You'd be excited to build a platform that enables success for everyone at Monzo You're comfortable working in a team that deals with ambiguity You're naturally inclined to solve problems through automation You have some experience with strongly typed languages, writing and working on backend software You're curious about systems and diving deep to investigate issues We're on the look out for L50 Engineers at the moment, you can read more in our Engineering Progression Framework - we will interview you across the whole frame work, so if you are not sure what level you are aiming for please chat to your recruiters! The Interview Process: Our interview process involves three main stages: Initial Call Take home task or pair coding exercise Final interview: including a system design and a behavioural interview Our average process takes around 4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here. What's in it for you: 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 Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage

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 through Monzo ️ London, Cardiff or Remote from £63,800 + share options + Benefits About our Financial Risk Team: Our Stress Testing team is growing, and we're looking for a Senior Stress Testing Analyst to help design, lead and deliver Monzo's stress testing framework. You'll work across the full lifecycle of stress testing - from methodology design and scenario development through to running models, interpreting outputs and presenting results to senior stakeholders across Finance, Risk and the wider business. This role carries significant visibility and will require you to confidently own and explain complex analysis to exec-level audiences. Alongside delivery, you will help build and improve our processes, governance and analytical toolkit. This is a brilliant opportunity for someone who combines strong analytical ability with influence, clarity of communication and the maturity to shape conversations with senior leaders. What you'll be working on: As a Manager for Stress Testing, you'll initially lead the development and maintenance of the full lifecycle of our stress testing framework. This framework will be used to deliver prudential stress testing to support the production of the ICAAP, Recovery Plan and understanding the resilience of our balance sheet and risk management strategies. Your core responsibilities will include: Supporting delivery of all key stress testing activities, including ICAAP, Recovery Planning, Reverse Stress Tests and ad-hoc exercises. Running models, undertaking detailed analysis and interpreting results, ensuring outputs are robust, accurate and insightful. Presenting stress testing results and analysis to senior stakeholders, including Finance leadership, the broader Risk leadership group, governance committees and working groups. Acting as a key point of contact for cross-functional teams, ensuring stakeholders understand methodologies, assumptions, outputs and implications for the business. Helping design and enhance stress testing methodologies and frameworks, including data processes, scenario translation and model parameterisation. Designing and improving stress testing processes, ensuring they are scalable, controlled and repeatable. Building strong relationships across FP&A, Treasury, Borrowing, Credit Risk, Data, Product and other teams, facilitating smooth data flows and clear expectations. Producing high-quality written materials that explain complex analysis clearly for diverse and senior audiences - including memos, committee papers and technical documentation. Identifying opportunities for process improvement, automation and better controls, supporting the wider Financial Risk team's development. Supporting the development and embedding of tools, models and templates used across stress testing and financial risk. We'd love to hear from you if you Have experience working in financial risk, credit risk, prudential regulation, finance, analytics or another analytically focused financial services role. Have strong analytical and problem-solving skills and enjoy working with models, scenarios, and financial data. Are confident presenting technical or complex analysis to senior stakeholders, and influencing outcomes with clarity and structure. Understand financial statements, capital metrics and risk drivers within a bank, or are keen to deepen your expertise in these areas. Are experienced in navigating cross-functional environments and building trusted relationships across levels and disciplines. Can translate complex information into simple, compelling messages for both technical and non-technical audiences. Are comfortable working independently, managing shifting priorities, and taking ownership for the quality of your work. Have a data-driven mindset and enjoy finding smarter, more scalable ways to deliver analysis (SQL or coding experience is a bonus). Not ticking every box? That's totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we're dedicated to creating a diverse and welcoming team. If you're passionate about this role and keen to learn and grow with us, we encourage you to apply- even if you don't have everything that's listed just yet. Drop us your application, we'd love to hear from you! What's in it for you 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. Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage

Senior Platform Engineer, Machine Learning Cardiff, London or Remote (UK); London 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 through Monzo London / UK Remote £95,000 - £130,000 + stock options + Benefits About Machine Learning Platform Engineering at Monzo: The Platform Collective builds and maintains the infrastructure, tools and processes that sets the rest of Monzo technology teams up for success. We work on a wide range of shared infrastructure, services and engineer tooling. The Machine Learning Platform team sits within the Platform Collective and is responsible for designing, building, and maintaining the infrastructure and tools which empower our teams to train, evaluate, deploy, and serve Machine Learning models and features at scale. Our team is made up of backend engineers with experience in the ML space, using our experience and curiosity to work with the ML teams to identify their needs, and test and build magically simple solutions. How we work Locations & Flexible Working: Our main tech hub is in London, but our engineers live everywhere in the UK- from Brighton to the Western Isles. We value meeting in person but there's no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays. Teams also schedule time together often for work and play - in or around the office, or online. What you'll be working with: We rely heavily on the following tools and technologies, please note direct experience in these technologies is not required and our interview process can be completed in any language: Go to write our application code (there's an excellent interactive Go tutorial here), in platform we build services to manage parts of the platform Python to help build our machine learning models and develop features AWS and GCP to operate our platform. We use AWS for our primary banking platform and Google Cloud for our Data and Machine Learning platform Terraform is primarily how we manage any resources deployed into the cloud You have experience working with AWS and/or GCP You are a hands on engineer with experience in building Machine Learning pipelines and the platforms that support them You have experience working with Kubernetes You'd be excited to build a platform that enables success for everyone at Monzo You're comfortable working in a team that deals with ambiguity You're naturally inclined to solve problems through automation You have some experience with strongly typed languages, writing and working on backend software You're curious about systems and diving deep to investigate issues We're on the look out for L50 Engineers at the moment, you can read more in our Engineering Progression Framework - we will interview you across the whole frame work, so if you are not sure what level you are aiming for please chat to your recruiters! The Interview Process: Our interview process involves three main stages: Initial Call Take home task or pair coding exercise Final interview: including a system design and a behavioural interview Our average process takes around 4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here. What's in it for you: 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 Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage

A leading financial technology company in Greater London is seeking an experienced iOS Engineer to join its product squad. The ideal candidate will be skilled in Swift and passionate about creating impactful user experiences. You will work collaboratively with diverse teams to drive the mobile platform's success, ensuring high-quality deliverables. The role offers a competitive salary and additional benefits, including relocation support and flexible working hours.

A leading financial technology company in Greater London is seeking an experienced iOS Engineer to join its product squad. The ideal candidate will be skilled in Swift and passionate about creating impactful user experiences. You will work collaboratively with diverse teams to drive the mobile platform's success, ensuring high-quality deliverables. The role offers a competitive salary and additional benefits, including relocation support and flexible working hours.

Our mobile engineers have a variety of different backgrounds There are 40 Android engineers at Monzo and we're looking for more to join the team. We have several non-graduates; only some of us studied Computer Science; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we'd love to talk to you. Monzo works in small, interdisciplinary teams We have around 300 engineers out of roughly 4,500 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you'll learn heaps about everything from how banks work to effective communication. We're searching for product-focused Android engineers to evolve our native mobile app. You'll take pride in building polished user experiences, and you'll balance the need for well-tested resilient code with moving fast and iterating. You'll be working on a product that is a part of day to day life for more than 11 million people already, and your work here will shape the way that people interact with their finances. As an Android Engineer at Monzo you'll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Data Scientists. You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both what we build, and how we build it. Mobile engineers at Monzo work on everything from the personal banking product to customer support tools. We also have a small mobile platform squad dedicated to enabling other engineers to move faster. Every week we meet as an Android discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes. You'll report to an engineering manager who will meet with you every 1-2 weeks 1:1. They're dedicated to helping you grow and develop as an engineer. Our app is 100% Kotlin, built using MVVM (Model View ViewModel) and Coordinators, and modularised by product feature. We use RxJava, Retrofit and Moshi for API calls and Dagger for dependency injection. We're starting to use Coroutines for most new features. Room is our choice for persistence, and we use repositories for interacting with data. We've built out our design system with Compose. We use GitHub Pull Requests to do code reviews, and write unit tests for our ViewModels, Coordinators, and any other classes which contain logic. We write tests for all of our Compose screens and snapshot test them with Happo. We also use Espresso to test flows, which are executed via our continuous integration system. We've previously written about building Monzo Chat on Android, which goes into detail on some of these elements. You should apply if You care about the impact your work has on our customers, and optimise for outcomes rather than the number of lines of code you output You're excited about and have experience in programming in Kotlin You've shipped and iterated on at least one app in the Play Store You have a product mindset: you care about customer outcomes and you want to make data-informed decisions You love turning excellent design into beautiful products You're comfortable working in a team that deals with ambiguity You have an understanding computer science principles The Interview Process Our interview process involves three main stages: Initial Call Take home task or pair coding exercise Final interview including a system design and a behavioural interview Our average process takes around 2-3 weeks but we will always work around your availability. You can also email if you have any specific questions or want to talk through reasonable adjustments ahead of or during application. What's in it for you £78,000 - £110,000 base salary per year plus stock options + Benefits; we also provide all of our engineers with the latest MacBook Pro. ️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 Apply for this job

Our mobile engineers have a variety of different backgrounds There are 40 Android engineers at Monzo and we're looking for more to join the team. We have several non-graduates; only some of us studied Computer Science; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we'd love to talk to you. Monzo works in small, interdisciplinary teams We have around 300 engineers out of roughly 4,500 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you'll learn heaps about everything from how banks work to effective communication. We're searching for product-focused Android engineers to evolve our native mobile app. You'll take pride in building polished user experiences, and you'll balance the need for well-tested resilient code with moving fast and iterating. You'll be working on a product that is a part of day to day life for more than 11 million people already, and your work here will shape the way that people interact with their finances. As an Android Engineer at Monzo you'll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Data Scientists. You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both what we build, and how we build it. Mobile engineers at Monzo work on everything from the personal banking product to customer support tools. We also have a small mobile platform squad dedicated to enabling other engineers to move faster. Every week we meet as an Android discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes. You'll report to an engineering manager who will meet with you every 1-2 weeks 1:1. They're dedicated to helping you grow and develop as an engineer. Our app is 100% Kotlin, built using MVVM (Model View ViewModel) and Coordinators, and modularised by product feature. We use RxJava, Retrofit and Moshi for API calls and Dagger for dependency injection. We're starting to use Coroutines for most new features. Room is our choice for persistence, and we use repositories for interacting with data. We've built out our design system with Compose. We use GitHub Pull Requests to do code reviews, and write unit tests for our ViewModels, Coordinators, and any other classes which contain logic. We write tests for all of our Compose screens and snapshot test them with Happo. We also use Espresso to test flows, which are executed via our continuous integration system. We've previously written about building Monzo Chat on Android, which goes into detail on some of these elements. You should apply if You care about the impact your work has on our customers, and optimise for outcomes rather than the number of lines of code you output You're excited about and have experience in programming in Kotlin You've shipped and iterated on at least one app in the Play Store You have a product mindset: you care about customer outcomes and you want to make data-informed decisions You love turning excellent design into beautiful products You're comfortable working in a team that deals with ambiguity You have an understanding computer science principles The Interview Process Our interview process involves three main stages: Initial Call Take home task or pair coding exercise Final interview including a system design and a behavioural interview Our average process takes around 2-3 weeks but we will always work around your availability. You can also email if you have any specific questions or want to talk through reasonable adjustments ahead of or during application. What's in it for you £78,000 - £110,000 base salary per year plus stock options + Benefits; we also provide all of our engineers with the latest MacBook Pro. ️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 Apply for this job