Lead Data Scientist

Job description

{"jobs":[{"absolute_url":"https://job-boards.greenhouse.io/monzo/jobs/8143930","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":true}],"internal_job_id":3524371,"location":{"name":"Cardiff, London or Remote (UK)"},"metadata":null,"id":8143930,"updated_at":"2026-09-15T09:40:53-04:00","requisition_id":"3422","title":"Anaplan Support Analyst","company_name":"Monzo","first_published":"2026-08-24T09:04:42-04:00","language":"en","application_deadline":null,"content":"\u0026lt;div class=\u0026quot;content-intro\u0026quot;\u0026gt;\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;em\u0026gt;🚀 We’re on a mission to make money work for everyone.\u0026lt;/em\u0026gt;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re waving goodbye to the complicated and confusing ways of traditional banking.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/current-account/personal\u0026quot;\u0026gt;personal\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/business-banking\u0026quot;\u0026gt;business\u0026lt;/a\u0026gt; bank accounts, we offer \u0026lt;a href=\u0026quot;https://monzo.com/current-account/joint-account\u0026quot;\u0026gt;joint accounts\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/current-account/16-17\u0026quot;\u0026gt;accounts for 16-17 year olds\u0026lt;/a\u0026gt;, a \u0026lt;a href=\u0026quot;https://monzo.com/current-account/under-16s\u0026quot;\u0026gt;free kids account\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/flex\u0026quot;\u0026gt;credit cards\u0026lt;/a\u0026gt; in the UK, with more exciting things to come beyond. Our UK customers can also \u0026lt;a href=\u0026quot;https://monzo.com/savings\u0026quot;\u0026gt;save\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/investments\u0026quot;\u0026gt;invest \u0026lt;/a\u0026gt;and\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/pensions\u0026quot;\u0026gt;combine their pensions\u0026lt;/a\u0026gt; with us.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re not about selling products - we want to solve problems and change lives through Monzo ❤️\u0026lt;/p\u0026gt;\n\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;\u0026lt;p\u0026gt;📍London or Remote (UK)|\u0026amp;nbsp; | 💰 £42,500 - £55,000 ➕ incentive awards tied to your performance | \u0026lt;a href=\u0026quot;https://monzo.com/careers#benefits\u0026quot;\u0026gt;Benefits\u0026lt;/a\u0026gt; | \u0026lt;a href=\u0026quot;https://www.youtube.com/watch?v=tDAT6VxoqQM\u0026quot;\u0026gt;Hear from the team\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;⭐ Our Finance \u0026amp;amp; Anaplan Centre of Excellence Team\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p\u0026gt;As an \u0026lt;strong\u0026gt;Anaplan Support Analyst\u0026lt;/strong\u0026gt;, you will play a pivotal role in driving the success of our Anaplan platform and supporting our broader Centre of Excellence (CoE). Working directly alongside our Lead Solutions Architect, Model Builders, and the FP\u0026amp;amp;A team, you will act as the key engine powering daily operations—managing change requests, facilitating user training, and getting hands-on with model building activities to enhance our financial planning ecosystem.\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;🔑 You’ll play a key role by…\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Implementing Change Requests:\u0026lt;/strong\u0026gt; Managing, triaging, and delivering end-to-end Change Requests across our Anaplan models to ensure seamless business operations.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Supporting Model Building:\u0026lt;/strong\u0026gt; Collaborating closely with Lead Solutions Architect and Model Builders to assist in building, testing, and implementing new functionalities and enhancements.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Providing Training \u0026amp;amp; Supporting End Users:\u0026lt;/strong\u0026gt; Designing and delivering engaging training sessions and documentation to upskill end-users across FP\u0026amp;amp;A and Finance Business Partner teams.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Maintaining \u0026amp;amp; Optimising Models:\u0026lt;/strong\u0026gt; Maintaining data integrity, managing user access, monitoring model performance, and troubleshooting issues as they arise.\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;🤩 We’d love to hear from you if you have…\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Anaplan Expertise:\u0026lt;/strong\u0026gt; Hands-on experience supporting and maintaining Anaplan workspaces/models (Anaplan Level 2 Model Builder certification or equivalent is highly desirable).\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Managed Change Requests \u0026amp;amp; Supported Systems:\u0026lt;/strong\u0026gt; Proven track record handling Change Requests, user support tickets, and system enhancements in a CoE or support structure.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Model Building Skills:\u0026lt;/strong\u0026gt; Functional understanding of Anaplan model architecture and formula building, with the ability to assist in active model development.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Experience Training Users:\u0026lt;/strong\u0026gt; Strong communication and facilitation skills, with a passion for training and empowering non-technical users on Anaplan functionality.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;An Understanding of Finance:\u0026lt;/strong\u0026gt; Solid foundational understanding of financial modelling, FP\u0026amp;amp;A principles, or finance workflows.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;AI Tooling\u0026lt;/strong\u0026gt;: Familiarity with AI tools, including the ability to write effective prompts. You should demonstrate curiosity for how AI can be used to improve processes and solve problems more effectively.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Domain Experience:\u0026lt;/strong\u0026gt; Banking or financial services experience is a bonus, but not essential! We will consider candidates from non-financial industries\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;🙌 What’s in it for you\u0026lt;/strong\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;💰 £42,500 - £55,000 + incentive awards tied to your performance\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📍 We\u0026#39;re open to distributed working within the UK, with the expectation of working from the London office on occasional basis.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;⏰ 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.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📚 £1,000 learning budget each year to use on books, training courses and conferences.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;🏡 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.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;➕ Plus lots more! \u0026lt;a href=\u0026quot;https://monzo.com/careers#benefits\u0026quot;\u0026gt;Read our full list of benefits\u0026lt;/a\u0026gt;.\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;🌈 The application journey has 3 key steps\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;Phone call with Recruiter (30 mins)\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Technical video interview with Hiring Manager and FP\u0026amp;amp;A Lead (60 mins)\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Partnerships interview FP\u0026amp;amp;A team (30 mins)\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;Our average process takes around 3–4 weeks, but we will always work around your availability.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them \u0026lt;a href=\u0026quot;https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo\u0026quot;\u0026gt;here\u0026lt;/a\u0026gt;.\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;#LI-NZ1 #LI-Remote\u0026lt;/p\u0026gt;\u0026lt;div class=\u0026quot;content-conclusion\u0026quot;\u0026gt;\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Equal opportunities for everyone\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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 \u0026lt;a href=\u0026quot;https://monzo.com/blog/diversity-and-inclusion\u0026quot;\u0026gt;blog\u0026lt;/a\u0026gt;, 2026 \u0026lt;a href=\u0026quot;https://monzo.com/blog/our-2026-diversity-and-inclusion-report\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Diversity and Inclusion Report\u0026lt;/a\u0026gt; and 2025 \u0026lt;a href=\u0026quot;https://monzo.com/blog/gender-pay-gap-report-2025\u0026quot;\u0026gt;Gender Pay Gap Report.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you have a preferred name, please use it to apply. We don\u0026#39;t need full or birth names at application stage 😊\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;","departments":[{"id":54075,"name":"Finance","child_ids":[],"parent_id":396395}],"offices":[{"id":14736,"name":"London","location":null,"child_ids":[],"parent_id":114746}],"ai_disclaimer":null,"include_ai_disclaimer":false,"ai_opt_out_request_url":null},{"absolute_url":"https://job-boards.greenhouse.io/monzo/jobs/7343996","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":true}],"internal_job_id":3276761,"location":{"name":"Barcelona"},"metadata":null,"id":7343996,"updated_at":"2026-09-14T04:54:11-04:00","requisition_id":"11746","title":"Android Engineer","company_name":"Monzo","first_published":"2025-10-21T08:12:57-04:00","language":"en","application_deadline":null,"content":"\u0026lt;div class=\u0026quot;content-intro\u0026quot;\u0026gt;\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;em\u0026gt;🚀 We’re on a mission to make money work for everyone.\u0026lt;/em\u0026gt;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re waving goodbye to the complicated and confusing ways of traditional banking.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/current-account/personal\u0026quot;\u0026gt;personal\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/business-banking\u0026quot;\u0026gt;business\u0026lt;/a\u0026gt; bank accounts, we offer \u0026lt;a href=\u0026quot;https://monzo.com/current-account/joint-account\u0026quot;\u0026gt;joint accounts\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/current-account/16-17\u0026quot;\u0026gt;accounts for 16-17 year olds\u0026lt;/a\u0026gt;, a \u0026lt;a href=\u0026quot;https://monzo.com/current-account/under-16s\u0026quot;\u0026gt;free kids account\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/flex\u0026quot;\u0026gt;credit cards\u0026lt;/a\u0026gt; in the UK, with more exciting things to come beyond. Our UK customers can also \u0026lt;a href=\u0026quot;https://monzo.com/savings\u0026quot;\u0026gt;save\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/investments\u0026quot;\u0026gt;invest \u0026lt;/a\u0026gt;and\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/pensions\u0026quot;\u0026gt;combine their pensions\u0026lt;/a\u0026gt; with us.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re not about selling products - we want to solve problems and change lives through Monzo ❤️\u0026lt;/p\u0026gt;\n\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;\u0026lt;p\u0026gt;📍 Barcelona, Spain | 💰 Base salary for this role is depending on experience +\u0026lt;em\u0026gt; \u0026lt;/em\u0026gt;Incentive Awards tied to your performance\u0026lt;em\u0026gt; \u0026lt;/em\u0026gt;\u0026amp;nbsp;+ benefits\u0026amp;nbsp;\u0026lt;br\u0026gt;Hybrid model: 3 days a week in the office\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;\u0026amp;nbsp;⭐ Our Mobile Engineering team\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;strong\u0026gt;Monzo works in small, interdisciplinary teams\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We have around 400 engineers out of roughly 4,500 people in total - and we have big ambitions. There are many interesting challenges ahead, and we\u0026#39;re happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you\u0026#39;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.\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;🔑 You’ll play a key role by...\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p\u0026gt;We’re searching for\u0026amp;nbsp;\u0026lt;strong\u0026gt;product-focused Android engineers\u0026lt;/strong\u0026gt;\u0026amp;nbsp;to evolve our native mobile app.\u0026lt;strong\u0026gt;\u0026amp;nbsp;\u0026lt;/strong\u0026gt;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.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;As an Android Engineer at Monzo you\u0026#39;ll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Data Scientists.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;You and your team will be responsible for an overall company goal, rather than building a specific feature - you\u0026#39;ll have the opportunity to have impact on both\u0026amp;nbsp;\u0026lt;em\u0026gt;what\u0026lt;/em\u0026gt;\u0026amp;nbsp;we build, and\u0026amp;nbsp;\u0026lt;em\u0026gt;how\u0026lt;/em\u0026gt;\u0026amp;nbsp;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Every week we meet as an Android discipline to discuss tools, techniques, problems we\u0026#39;re encountering across the company and work together to improve our codebase and processes.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;You\u0026#39;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.\u0026lt;/p\u0026gt;\n\u0026lt;h4\u0026gt;Our Android app\u0026lt;/h4\u0026gt;\n\u0026lt;p\u0026gt;Our app is 100% Kotlin, built using MVVM (Model View ViewModel) and Coordinators, and modularised by product feature.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’ve previously written about\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/blog/2019/02/11/building-monzo-chat-on-android\u0026quot;\u0026gt;building Monzo Chat\u0026lt;/a\u0026gt;\u0026amp;nbsp;on Android, which goes into detail on some of these elements.\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;🤩 We’d love to hear from you if…\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;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\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You’re excited about and have experience in programming in Kotlin\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You’ve shipped and iterated on at least one app in the Play Store\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You have a product mindset: you care about customer outcomes and you want to make data-informed decisions\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You love turning excellent design into beautiful products\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You’re comfortable working in a team that deals with ambiguity\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You have an understanding computer science principles\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;We\u0026#39;re on the look out for L30 Engineers at the moment, you can read more in our\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/documents/engineering-progression-framework-v4-1.pdf\u0026quot;\u0026gt;Engineering Progression Framework\u0026lt;/a\u0026gt;\u0026amp;nbsp;you will be interviewed across the whole framework, so if you\u0026#39;re not sure what level you\u0026#39;re aiming for chat to your recruiter!\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;🙌 What’s in it for you:\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p\u0026gt;💰Base salary range for this role is depending on experience + equity + stock options \u0026amp;amp; benefits\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;⏰ 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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📚 Learning budget of €1,200 a year for books, training courses and conferences\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;🌈\u0026lt;/strong\u0026gt;\u0026lt;strong\u0026gt; The application journey has 3 key steps\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p\u0026gt;Our interview process involves three main stages:\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;ol\u0026gt;\n\u0026lt;li\u0026gt;Initial Call\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Take home task or pair coding exercise\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Final interview including a system design and a behavioural interview\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;/ol\u0026gt;\n\u0026lt;p\u0026gt;This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible!\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. \u0026lt;a href=\u0026quot;https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo\u0026quot;\u0026gt;You can read them here.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;There’s a detailed blog on\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/blog/2022/03/22/preparing-for-mobile-interviews-at-monzo\u0026quot;\u0026gt;the interview process\u0026lt;/a\u0026gt;, for extra details, hints and tips.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you\u0026#39;re successful in applying for this role, we\u0026#39;ll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated.\u0026lt;/p\u0026gt;\n\u0026lt;div id=\u0026quot;1740415782.814699\u0026quot; class=\u0026quot;c-virtual_list__item\u0026quot; data-qa=\u0026quot;virtual-list-item\u0026quot; data-item-key=\u0026quot;1740415782.814699\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;c-message_kit__background p-message_pane_message__message c-message_kit__message\u0026quot; data-qa=\u0026quot;message_container\u0026quot; data-qa-unprocessed=\u0026quot;false\u0026quot; data-qa-placeholder=\u0026quot;false\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;c-message_kit__hover\u0026quot; data-qa-hover=\u0026quot;true\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;c-message_kit__actions c-message_kit__actions--default\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;c-message_kit__gutter\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;c-message_kit__gutter__right\u0026quot; data-qa=\u0026quot;message_content\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;c-message_kit__blocks c-message_kit__blocks--rich_text\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;c-message__message_blocks c-message__message_blocks--rich_text\u0026quot; data-qa=\u0026quot;message-text\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;p-block_kit_renderer\u0026quot; data-qa=\u0026quot;block-kit-renderer\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;p-block_kit_renderer__block_wrapper p-block_kit_renderer__block_wrapper--first\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;p-rich_text_block\u0026quot;\u0026gt;\n\u0026lt;div class=\u0026quot;p-rich_text_section\u0026quot;\u0026gt;LI-JS1\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\u0026lt;div class=\u0026quot;content-conclusion\u0026quot;\u0026gt;\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Equal opportunities for everyone\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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 \u0026lt;a href=\u0026quot;https://monzo.com/blog/diversity-and-inclusion\u0026quot;\u0026gt;blog\u0026lt;/a\u0026gt;, 2026 \u0026lt;a href=\u0026quot;https://monzo.com/blog/our-2026-diversity-and-inclusion-report\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Diversity and Inclusion Report\u0026lt;/a\u0026gt; and 2025 \u0026lt;a href=\u0026quot;https://monzo.com/blog/gender-pay-gap-report-2025\u0026quot;\u0026gt;Gender Pay Gap Report.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you have a preferred name, please use it to apply. We don\u0026#39;t need full or birth names at application stage 😊\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;","departments":[{"id":43595,"name":"Engineering","child_ids":[],"parent_id":396396}],"offices":[{"id":332444,"name":"Barcelona","location":null,"child_ids":[],"parent_id":109271}],"ai_disclaimer":null,"include_ai_disclaimer":false,"ai_opt_out_request_url":null},{"absolute_url":"https://job-boards.greenhouse.io/monzo/jobs/6635595","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":true}],"internal_job_id":3075268,"location":{"name":"Cardiff, London or Remote (UK)"},"metadata":null,"id":6635595,"updated_at":"2026-09-14T04:54:11-04:00","requisition_id":"1869","title":"Backend Engineer III ","company_name":"Monzo","first_published":"2025-02-17T04:44:43-05:00","language":"en","application_deadline":null,"content":"\u0026lt;div class=\u0026quot;content-intro\u0026quot;\u0026gt;\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;em\u0026gt;🚀 We’re on a mission to make money work for everyone.\u0026lt;/em\u0026gt;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re waving goodbye to the complicated and confusing ways of traditional banking.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/current-account/personal\u0026quot;\u0026gt;personal\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/business-banking\u0026quot;\u0026gt;business\u0026lt;/a\u0026gt; bank accounts, we offer \u0026lt;a href=\u0026quot;https://monzo.com/current-account/joint-account\u0026quot;\u0026gt;joint accounts\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/current-account/16-17\u0026quot;\u0026gt;accounts for 16-17 year olds\u0026lt;/a\u0026gt;, a \u0026lt;a href=\u0026quot;https://monzo.com/current-account/under-16s\u0026quot;\u0026gt;free kids account\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/flex\u0026quot;\u0026gt;credit cards\u0026lt;/a\u0026gt; in the UK, with more exciting things to come beyond. Our UK customers can also \u0026lt;a href=\u0026quot;https://monzo.com/savings\u0026quot;\u0026gt;save\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/investments\u0026quot;\u0026gt;invest \u0026lt;/a\u0026gt;and\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/pensions\u0026quot;\u0026gt;combine their pensions\u0026lt;/a\u0026gt; with us.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re not about selling products - we want to solve problems and change lives through Monzo ❤️\u0026lt;/p\u0026gt;\n\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;\u0026lt;p\u0026gt;\u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt;📍London or UK Remote | 💰 \u0026lt;a href=\u0026quot;https://monzo.com/documents/engineering-progression-framework-v4-1.pdf\u0026quot;\u0026gt;Engineer III\u0026lt;/a\u0026gt; \u0026lt;br\u0026gt;\u0026lt;br\u0026gt;Compensation: £85,000 - £110,000 +\u0026lt;strong\u0026gt;\u0026amp;nbsp;\u0026lt;/strong\u0026gt;Incentive Awards tied to your performance + \u0026lt;/span\u0026gt;\u0026lt;a href=\u0026quot;https://monzo.com/careers/\u0026quot;\u0026gt;\u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt;Benefits\u0026lt;/span\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt; | \u0026lt;/span\u0026gt;\u0026lt;a href=\u0026quot;https://monzo.com/blog/technology\u0026quot;\u0026gt;\u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt;Technology\u0026lt;/span\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt;\u0026amp;nbsp;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;About our Engineering Teams:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We have around 650 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;How we work 💻\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles.\u0026amp;nbsp;We value meeting in person but we don\u0026#39;t have a mandated requirement on office attendance, even if you\u0026#39;re nearby. We believe you\u0026#39;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 ✨\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches \u0026amp;amp; treat Thursdays 🍽️\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Teams also schedule time together often for work and play – in or around the office, or online.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Set up a work schedule that delivers impact and fits your life:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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 🕣✨\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you prefer to work part-time, we\u0026#39;ll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Work the way that works for you with Monzo! 💼\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;You should apply if:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;you have strong experience working on the backend of a technology product\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;you want to be involved in building a product that you (and the people you know) use every day\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;you have a product mindset: you care about customer outcomes and you want to make data-informed decisions\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;you’re comfortable working in a team that deals with ambiguity\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;you’re interested in distributed systems and writing resilient software\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;you have some experience with strongly-typed languages (Go, Java, C, Scala etc.).\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;you think you’d enjoy the kind of work we’re doing\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;We\u0026#39;re on the look out for L40 Engineers at the moment, you can read more in our \u0026lt;a href=\u0026quot;https://monzo.com/documents/engineering-progression-framework-v4-1.pdf\u0026quot;\u0026gt;Engineering Progression Framework\u0026lt;/a\u0026gt; you will be interviewed across the whole framework, so if you\u0026#39;re not sure what level you\u0026#39;re aiming for chat to your recruiter!\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;em\u0026gt;Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything thats listed just yet. Drop us your application, we’d love to hear from you!\u0026lt;/em\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;What you’ll be working on:\u0026amp;nbsp;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We hire very technically agnostic so \u0026lt;strong\u0026gt;whilst we use the below technologies we do not expect prior knowledge\u0026lt;/strong\u0026gt;, you will be fully supported in our organised onboarding to get up to speed in the below:\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;http://golang.org/\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;Go\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; to write our application code (there’s an excellent interactive Go tutorial \u0026lt;a href=\u0026quot;https://tour.golang.org/welcome/1\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;here\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt;)\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;http://cassandra.apache.org/\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;Cassandra\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; for most persistent data storage\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;http://kafka.apache.org/\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;Kafka\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; for our asynchronous message queue\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;http://kubernetes.io/\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;Kubernetes\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://www.docker.com/\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;Docker\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; to schedule and run our services\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;https://www.envoyproxy.io/\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;Envoy Proxy\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; for RPC\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;http://aws.amazon.com/\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;AWS\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; for most of our production infrastructure and\u0026lt;a href=\u0026quot;https://cloud.google.com/\u0026quot;\u0026gt; \u0026lt;strong\u0026gt;GCP\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; for most of our data infrastructure\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;React for our public web apps and internal tools\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;We also have physical datacenters with actual cables to connect to various third parties\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;The Interview Process:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our interview process involves three main stages:\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;ol\u0026gt;\n\u0026lt;li\u0026gt;Initial Call\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Take home task or pair coding exercise\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Final interview: including a system design and a behavioural interview\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;/ol\u0026gt;\n\u0026lt;p\u0026gt;Our average process takes around 4 weeks but we will always work around your availability.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/blog/2022/03/23/demystifying-the-backend-engineering-interview-process\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;here\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt;.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;What’s in it for you:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;💰 \u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt;£85,000 - £110,000\u0026lt;/span\u0026gt; base salary \u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt;+\u0026lt;strong\u0026gt;\u0026amp;nbsp;\u0026lt;/strong\u0026gt;Incentive Awards tied to your performance\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;✈️ We can help you relocate to the UK\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;✅ We can sponsor visas.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📍This role can be based in our London office, but we\u0026#39;re open to distributed working within the UK (with ad hoc meetings in London).\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;⏰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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📚Learning budget of £1,000 a year for books, training courses and conferences\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;➕And much more, see our full list of benefits \u0026lt;a href=\u0026quot;https://monzo.com/careers/\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;here\u0026amp;nbsp;\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;em\u0026gt;We\u0026#39;re usually always hiring for Backend Engineers, so there\u0026#39;s no closing date for this job.\u0026lt;/em\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;#LI-Remote\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;#LI-ZM1\u0026lt;/p\u0026gt;\u0026lt;div class=\u0026quot;content-conclusion\u0026quot;\u0026gt;\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Equal opportunities for everyone\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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 \u0026lt;a href=\u0026quot;https://monzo.com/blog/diversity-and-inclusion\u0026quot;\u0026gt;blog\u0026lt;/a\u0026gt;, 2026 \u0026lt;a href=\u0026quot;https://monzo.com/blog/our-2026-diversity-and-inclusion-report\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Diversity and Inclusion Report\u0026lt;/a\u0026gt; and 2025 \u0026lt;a href=\u0026quot;https://monzo.com/blog/gender-pay-gap-report-2025\u0026quot;\u0026gt;Gender Pay Gap Report.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you have a preferred name, please use it to apply. We don\u0026#39;t need full or birth names at application stage 😊\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;","departments":[{"id":43595,"name":"Engineering","child_ids":[],"parent_id":396396}],"offices":[{"id":77079,"name":"Cardiff, London or Remote (UK)","location":null,"child_ids":[],"parent_id":114746}],"ai_disclaimer":null,"include_ai_disclaimer":false,"ai_opt_out_request_url":null},{"absolute_url":"https://job-boards.greenhouse.io/monzo/jobs/8098919","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":false}],"internal_job_id":3508620,"location":{"name":"London; Remote (UK)"},"metadata":null,"id":8098919,"updated_at":"2026-09-14T04:54:11-04:00","requisition_id":"3369","title":"Credit Analyst","company_name":"Monzo","first_published":"2026-08-03T08:48:27-04:00","language":"en","application_deadline":null,"content":"\u0026lt;div class=\u0026quot;content-intro\u0026quot;\u0026gt;\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;em\u0026gt;🚀 We’re on a mission to make money work for everyone.\u0026lt;/em\u0026gt;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re waving goodbye to the complicated and confusing ways of traditional banking.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/current-account/personal\u0026quot;\u0026gt;personal\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/business-banking\u0026quot;\u0026gt;business\u0026lt;/a\u0026gt; bank accounts, we offer \u0026lt;a href=\u0026quot;https://monzo.com/current-account/joint-account\u0026quot;\u0026gt;joint accounts\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/current-account/16-17\u0026quot;\u0026gt;accounts for 16-17 year olds\u0026lt;/a\u0026gt;, a \u0026lt;a href=\u0026quot;https://monzo.com/current-account/under-16s\u0026quot;\u0026gt;free kids account\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/flex\u0026quot;\u0026gt;credit cards\u0026lt;/a\u0026gt; in the UK, with more exciting things to come beyond. Our UK customers can also \u0026lt;a href=\u0026quot;https://monzo.com/savings\u0026quot;\u0026gt;save\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/investments\u0026quot;\u0026gt;invest \u0026lt;/a\u0026gt;and\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/pensions\u0026quot;\u0026gt;combine their pensions\u0026lt;/a\u0026gt; with us.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re not about selling products - we want to solve problems and change lives through Monzo ❤️\u0026lt;/p\u0026gt;\n\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;\u0026lt;p\u0026gt;📍London or Remote (UK)\u0026amp;nbsp; | 💰 £59,100 to £79,900 + Incentive Awards tied to your performance +\u0026lt;a href=\u0026quot;https://monzo.com/careers#benefits\u0026quot;\u0026gt; Benefits \u0026lt;/a\u0026gt;| \u0026lt;a href=\u0026quot;https://monzo.com/blog/how-each-role-in-borrowing-data-allows-us-to-think-big-and-innovate\u0026quot;\u0026gt;Data Team, Borrowing\u0026amp;nbsp;\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Our team ⭐\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our Borrowing collective is growing across Personal Loans and Financial Health. We’re building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Personal Loans provides simple, transparent borrowing, while Financial Health focuses on sustainable growth and better customer outcomes.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;As part of the team, you’ll develop and optimise unsecured credit risk and pricing strategies, partnering closely with Product, Engineering, and Data to build profitable portfolios and outstanding customer experiences.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you’re excited by data-led decision-making, experimentation, and shaping the future of modern lending, we’d love to hear from you.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;🔑 You’ll play a key role by...\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Monitoring the performance of our existing strategies, and iterating to improve them\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Supporting the design and roll-out of new products and customer journeys\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Assessing how the lending portfolio of particular products will perform over time\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;How we work:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Work the way that works for you at Monzo! 💼\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;🤩 We’d love to hear from you if…\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.)\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You have an understanding of lending economics and have experience developing and deploying underwriting strategies\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You have a working understanding of the regulations that apply to lending in the UK.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You are a strong communicator, able to cut through complex problems and articulate decision points\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You have some experience in project management and coordination across teams\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You work well collaborating in a team with diverse skill-sets and personality types\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;We\u0026#39;re on the look out for L30 Credit Analysts at the moment, you can read more in our\u0026lt;a href=\u0026quot;https://monzo.com/documents/data-progression-framework-v2-0.pdf\u0026quot;\u0026gt; Data Progression Framework\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;🌈 The application journey has 3 key steps\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ol\u0026gt;\n\u0026lt;li\u0026gt;Recruiter call\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Initial call\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Final stage (x3 interviews) consisting of a case study, role specific interview and collaboration interview\u0026lt;/li\u0026gt;\n\u0026lt;/ol\u0026gt;\n\u0026lt;p\u0026gt;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. \u0026lt;a href=\u0026quot;https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo\u0026quot;\u0026gt;You can read them here.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;🙌 What’s in it for you\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;💰 £59,100 to £79,900 + incentive awards tied to your performance +\u0026lt;a href=\u0026quot;https://monzo.com/careers#benefits\u0026quot;\u0026gt; benefits\u0026amp;nbsp;\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;✅ We can sponsor visas\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📍This role can be based in our London office, but we\u0026#39;re open to distributed working within the UK (with ad hoc meetings in London).\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;⏰ 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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📚 Learning budget of £1,000 a year for books, training courses and conferences\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;🏡 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.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;➕ Plus lots more! \u0026lt;a href=\u0026quot;https://monzo.com/careers/\u0026quot;\u0026gt;Read our full list of benefits\u0026lt;/a\u0026gt;.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;#LI-JH1\u0026amp;nbsp; #LI-Remote\u0026lt;/p\u0026gt;\u0026lt;div class=\u0026quot;content-conclusion\u0026quot;\u0026gt;\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Equal opportunities for everyone\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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 \u0026lt;a href=\u0026quot;https://monzo.com/blog/diversity-and-inclusion\u0026quot;\u0026gt;blog\u0026lt;/a\u0026gt;, 2026 \u0026lt;a href=\u0026quot;https://monzo.com/blog/our-2026-diversity-and-inclusion-report\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Diversity and Inclusion Report\u0026lt;/a\u0026gt; and 2025 \u0026lt;a href=\u0026quot;https://monzo.com/blog/gender-pay-gap-report-2025\u0026quot;\u0026gt;Gender Pay Gap Report.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you have a preferred name, please use it to apply. We don\u0026#39;t need full or birth names at application stage 😊\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;","departments":[{"id":56753,"name":"Borrowing","child_ids":[],"parent_id":396396}],"offices":[{"id":14736,"name":"London","location":null,"child_ids":[],"parent_id":114746},{"id":65099,"name":"Remote (UK)","location":null,"child_ids":[],"parent_id":114746}],"ai_disclaimer":null,"include_ai_disclaimer":false,"ai_opt_out_request_url":null},{"absolute_url":"https://job-boards.greenhouse.io/monzo/jobs/8023162","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":true}],"internal_job_id":3478268,"location":{"name":"Cardiff, London or Remote (UK)"},"metadata":null,"id":8023162,"updated_at":"2026-09-14T04:54:11-04:00","requisition_id":"3278","title":"Credit Model Validation Manager (Machine Learning \u0026 NPV Models)","company_name":"Monzo","first_published":"2026-06-23T10:40:39-04:00","language":"en","application_deadline":null,"content":"\u0026lt;div class=\u0026quot;content-intro\u0026quot;\u0026gt;\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;em\u0026gt;🚀 We’re on a mission to make money work for everyone.\u0026lt;/em\u0026gt;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re waving goodbye to the complicated and confusing ways of traditional banking.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/current-account/personal\u0026quot;\u0026gt;personal\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/business-banking\u0026quot;\u0026gt;business\u0026lt;/a\u0026gt; bank accounts, we offer \u0026lt;a href=\u0026quot;https://monzo.com/current-account/joint-account\u0026quot;\u0026gt;joint accounts\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/current-account/16-17\u0026quot;\u0026gt;accounts for 16-17 year olds\u0026lt;/a\u0026gt;, a \u0026lt;a href=\u0026quot;https://monzo.com/current-account/under-16s\u0026quot;\u0026gt;free kids account\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/flex\u0026quot;\u0026gt;credit cards\u0026lt;/a\u0026gt; in the UK, with more exciting things to come beyond. Our UK customers can also \u0026lt;a href=\u0026quot;https://monzo.com/savings\u0026quot;\u0026gt;save\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/investments\u0026quot;\u0026gt;invest \u0026lt;/a\u0026gt;and\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/pensions\u0026quot;\u0026gt;combine their pensions\u0026lt;/a\u0026gt; with us.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re not about selling products - we want to solve problems and change lives through Monzo ❤️\u0026lt;/p\u0026gt;\n\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;\u0026lt;p\u0026gt;📍London or Remote (UK)\u0026amp;nbsp; | 💰 £79,000 - £93,000 + Incentive Awards tied to your performance +\u0026lt;a href=\u0026quot;https://monzo.com/careers/\u0026quot;\u0026gt; Benefits\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;🌟 About the team:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;🔑 You’ll play a key role by…\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;Leading hands-on independent validation of models used for credit decisioning within our Borrowing strategies - covering a range of machine learning, decision science and NPV models. You will be ensuring that models are fit for purpose, appropriately governed, explainable and performing as expected\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Supporting oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response models\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Developing deep understanding of Monzo’s credit models, and using this to provide impactful input and challenge to model developers to improve our modelling capabilities\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Reviewing ongoing model performance monitoring to ensure our lending models perform within our risk thresholds, and providing support to our first line of defence teams when action is required\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Performing statistical analyses to independently assess model performance, including developing challenger models where appropriate to test model assumptions and strengthen validation conclusions\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Improving our Model Risk Framework, including overseeing our policies, standards and procedures to help embed best practice across the business. This means making sure we follow up-to-date regulatory guidelines, and adapt our processes to make sure they remain relevant as modelling techniques evolve\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Writing clear and impactful model validation reports, and presenting the findings and actions in relevant committees\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Partnering with colleagues in the first line of defence credit strategy and modelling teams - and wider risk teams across Monzo - to support the embedding of our model risk framework and establishing consistent validation standards across the organisation\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Embracing new and innovative technology, including leading the adoption of AI tools to enhance our model validation approach\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026amp;nbsp;🤩 We’d love to hear from you if…\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;Have a strong background and practical experience in credit model development and/or validation - in particular with exposure to machine learning or statistical models used in credit decisioning, such as decision science scorecards, origination / underwriting PD models, and NPV / unit economics modelling\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Are data driven, with strong analytical skills and deep understanding of statistical techniques for credit and model risk. Being able to get hands on with data is critical - so strong SQL and Python skills are essential, and experience with data visualisation tools such as Tableau, Looker or similar is a plus!\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Understand how models are used in real-time decisioning and lending strategies, and how to balance commercial and risk outcomes\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Have strong written and verbal communication skills, and are able to articulate problems and solutions using clear and simple language. This is particularly important for breaking down complex issues and priorities to non-experts\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Have a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challenge\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Are impact-driven, and proactive in identifying issues and opportunities to improve outcomes for both our customers and our business\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Are passionate about technology, and what we’re doing here at Monzo excites you!\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Our technology stack\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;https://cloud.google.com/\u0026quot;\u0026gt;Google Cloud Platform\u0026lt;/a\u0026gt; for all of our analytics infrastructure\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;https://www.getdbt.com/\u0026quot;\u0026gt;dbt\u0026lt;/a\u0026gt; and\u0026lt;a href=\u0026quot;https://cloud.google.com/bigquery/\u0026quot;\u0026gt; BigQuery SQL\u0026lt;/a\u0026gt; for our data modelling and warehousing\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Python for data science and machine learning\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;http://golang.org/\u0026quot;\u0026gt;Go\u0026lt;/a\u0026gt; to write our application code\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;a href=\u0026quot;http://aws.amazon.com/\u0026quot;\u0026gt;AWS\u0026lt;/a\u0026gt; for most of our backend infrastructure\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;The interview process:\u0026amp;nbsp;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our interview process usually involves up to four main stages via Google Hangouts:\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;An initial call with our recruiter\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;A call with our Senior Model Validation Manager, the hiring manager for the role\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;A behavioural interview\u0026amp;nbsp;\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;🙌 What’s in it for you\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;💰 £79,000 - £93,000 + Incentive Awards tied to your performance benefits.\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;📍 This role can be based in our London office, but we\u0026#39;re open to distributed working within the UK (with ad hoc meetings in London).\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;⏰ 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.\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;📚 £1,000 learning budget each year to use on books, training courses and conferences.\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;🏡 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.\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;➕ Plus lots more! Read our full list of\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/careers\u0026quot;\u0026gt;benefits\u0026lt;/a\u0026gt;.\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them \u0026lt;a href=\u0026quot;https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo\u0026quot;\u0026gt;here\u0026lt;/a\u0026gt;.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;LinkedIn Tags: \u0026lt;strong\u0026gt;#LI-TK1\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\u0026lt;div class=\u0026quot;content-conclusion\u0026quot;\u0026gt;\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Equal opportunities for everyone\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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 \u0026lt;a href=\u0026quot;https://monzo.com/blog/diversity-and-inclusion\u0026quot;\u0026gt;blog\u0026lt;/a\u0026gt;, 2026 \u0026lt;a href=\u0026quot;https://monzo.com/blog/our-2026-diversity-and-inclusion-report\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Diversity and Inclusion Report\u0026lt;/a\u0026gt; and 2025 \u0026lt;a href=\u0026quot;https://monzo.com/blog/gender-pay-gap-report-2025\u0026quot;\u0026gt;Gender Pay Gap Report.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you have a preferred name, please use it to apply. We don\u0026#39;t need full or birth names at application stage 😊\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;","departments":[{"id":43601,"name":"Risk \u0026 Compliance","child_ids":[],"parent_id":396395}],"offices":[{"id":77079,"name":"Cardiff, London or Remote (UK)","location":null,"child_ids":[],"parent_id":114746}],"ai_disclaimer":null,"include_ai_disclaimer":false,"ai_opt_out_request_url":null},{"absolute_url":"https://job-boards.greenhouse.io/monzo/jobs/7991227","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":false}],"internal_job_id":3466699,"location":{"name":"London; Remote (UK)"},"metadata":null,"id":7991227,"updated_at":"2026-09-14T04:54:11-04:00","requisition_id":"3244","title":"Credit Risk Manager, Portfolio Management","company_name":"Monzo","first_published":"2026-06-09T10:42:10-04:00","language":"en","application_deadline":null,"content":"\u0026lt;div class=\u0026quot;content-intro\u0026quot;\u0026gt;\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;em\u0026gt;🚀 We’re on a mission to make money work for everyone.\u0026lt;/em\u0026gt;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re waving goodbye to the complicated and confusing ways of traditional banking.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/current-account/personal\u0026quot;\u0026gt;personal\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/business-banking\u0026quot;\u0026gt;business\u0026lt;/a\u0026gt; bank accounts, we offer \u0026lt;a href=\u0026quot;https://monzo.com/current-account/joint-account\u0026quot;\u0026gt;joint accounts\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/current-account/16-17\u0026quot;\u0026gt;accounts for 16-17 year olds\u0026lt;/a\u0026gt;, a \u0026lt;a href=\u0026quot;https://monzo.com/current-account/under-16s\u0026quot;\u0026gt;free kids account\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/flex\u0026quot;\u0026gt;credit cards\u0026lt;/a\u0026gt; in the UK, with more exciting things to come beyond. Our UK customers can also \u0026lt;a href=\u0026quot;https://monzo.com/savings\u0026quot;\u0026gt;save\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/investments\u0026quot;\u0026gt;invest \u0026lt;/a\u0026gt;and\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/pensions\u0026quot;\u0026gt;combine their pensions\u0026lt;/a\u0026gt; with us.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re not about selling products - we want to solve problems and change lives through Monzo ❤️\u0026lt;/p\u0026gt;\n\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;\u0026lt;p\u0026gt;📍London or Remote (UK)\u0026amp;nbsp; | 💰£100,000 - £130,000 + Incentive Awards tied to your performance +\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/careers/\u0026quot;\u0026gt;\u0026amp;nbsp;Benefits\u0026lt;/a\u0026gt;\u0026amp;nbsp;|\u0026lt;a href=\u0026quot;https://monzo.com/blog/how-each-role-in-borrowing-data-allows-us-to-think-big-and-innovate\u0026quot;\u0026gt;\u0026amp;nbsp;Data Team, Borrowing\u0026amp;nbsp;\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;About the team:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;With our Flex product we’re reinventing credit cards to give customers more visibility and control over their spending. With our Flex product, we’re reinventing credit cards to give customers more visibility and control over their spending. Flex portfolio management is currently in its infancy—meaning this role is a true \u0026quot;zero-to-one\u0026quot; blank canvas. Flex behaves differently from a standard credit card, so we are looking for a highly strategic Credit Risk Manager who can challenge legacy banking assumptions, think from first principles, and put the customer at the heart of our lifecycle strategies.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;You will lead an initial team of 3 credit analysts (with scope to grow the team over time) to unlock massive P\u0026amp;amp;L and customer engagement potential on a rapidly growing portfolio. While the immediate focus is scaling safely in the UK, you will help lay the groundwork for a global footprint as Monzo expands into Europe.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Your day-to-day:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Own Portfolio Monitoring \u0026amp;amp; Forecasting:\u0026lt;/strong\u0026gt; Build and oversee robust performance frameworks to monitor and forecast both risk and revenue metrics, ensuring our rapidly growing portfolio scales sustainably.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Drive Contractual Pricing Strategies:\u0026lt;/strong\u0026gt; Architect and optimise an ongoing risk-based pricing program that balances commercial viability and fair customer outcomes.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Fuel Engagement \u0026amp;amp; Retention Loops:\u0026lt;/strong\u0026gt; Design and deploy sophisticated credit strategies for lifecycle events, including product upgrades, engagement incentives, and balance transfer propositions that deepen customer loyalty.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Execute Data-Driven Loss Mitigation:\u0026lt;/strong\u0026gt; Develop proactive risk management frameworks—such as credit limit decrease strategies—to safely mitigate losses and support financially vulnerable customers.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Lead and Nurture Talent:\u0026lt;/strong\u0026gt; Manage, coach, and scale a high-performing team of 3 credit analysts, fostering a culture of technical excellence, continuous learning, and strong commercial focus.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Cross-Functional Squad Collaboration:\u0026lt;/strong\u0026gt; Act as the embedded credit risk expert within a multi-disciplinary squad, working side-by-side with Product, Engineering, Design, Marketing, Customer Research, and Risk \u0026amp;amp; Control.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Cross-functional Leadership:\u0026lt;/strong\u0026gt; Build deep collaborative ties with wider credit functions and manage relationships with 2nd Line Credit Risk, Legal, and Compliance, while translating complex data into clear narratives for executive-level stakeholders.\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;How we work:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Work the way that works for you at Monzo! 💼\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;You should apply if:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;What we’re doing here at Monzo excites you!\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;You are a commercial, strategic credit leader\u0026lt;/strong\u0026gt; with a deep understanding of unsecured lending portfolios—ideally with exposure to credit card lifecycle management.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;You thrive in ambiguous, \u0026quot;zero-to-one\u0026quot; environments.\u0026lt;/strong\u0026gt; You love building strategies from scratch, questioning traditional banking norms, and working at pace.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;You have portfolio management experience, \u0026lt;/strong\u0026gt;including risk-based pricing, retention, product upgrades, and loss mitigation strategies.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;You are a champion for both Credit and Conduct Risk.\u0026lt;/strong\u0026gt; You naturally balance sharp credit instincts with a passion for protecting customers and delivering delightful experiences.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;You are an exceptional stakeholder manager and storyteller.\u0026lt;/strong\u0026gt; You can smoothly collaborate with engineering squads, align with legal and compliance partners, and influence up to executive leadership.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;You love developing people.\u0026lt;/strong\u0026gt; You have a proven track record of leading analytical talent and are energized by the prospect of managing and growing a high-impact team.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;You have strong technical and data capabilities.\u0026lt;/strong\u0026gt; You are comfortable digging into data yourself and driving a data-first culture (SQL is a must-have; Python and Looker experience is a plus).\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;The Interview Process:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;Recruiter call\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Initial call with the hiring manager\u0026amp;nbsp;\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Final loop of interviews meeting the team\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;Our average process takes around 3-4 weeks but we will always work around your availability.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;What’s in it for you:\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;✈️ We can help you relocate to the UK\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;✅ We can sponsor visas\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📍This role can be based in our London office, but we\u0026#39;re open to distributed working within the UK (with ad hoc meetings in London).\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;⏰ 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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;📚Learning budget of £1,000 a year for books, training courses and conferences\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;➕And much more, see our full list of benefits\u0026lt;a href=\u0026quot;https://monzo.com/careers/\u0026quot;\u0026gt; \u0026lt;strong\u0026gt;here\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;#LI-COD #LI-REMOTE\u0026lt;/p\u0026gt;\u0026lt;div class=\u0026quot;content-conclusion\u0026quot;\u0026gt;\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Equal opportunities for everyone\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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 \u0026lt;a href=\u0026quot;https://monzo.com/blog/diversity-and-inclusion\u0026quot;\u0026gt;blog\u0026lt;/a\u0026gt;, 2026 \u0026lt;a href=\u0026quot;https://monzo.com/blog/our-2026-diversity-and-inclusion-report\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Diversity and Inclusion Report\u0026lt;/a\u0026gt; and 2025 \u0026lt;a href=\u0026quot;https://monzo.com/blog/gender-pay-gap-report-2025\u0026quot;\u0026gt;Gender Pay Gap Report.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;If you have a preferred name, please use it to apply. We don\u0026#39;t need full or birth names at application stage 😊\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;","departments":[{"id":56753,"name":"Borrowing","child_ids":[],"parent_id":396396}],"offices":[{"id":77079,"name":"Cardiff, London or Remote (UK)","location":null,"child_ids":[],"parent_id":114746}],"ai_disclaimer":null,"include_ai_disclaimer":false,"ai_opt_out_request_url":null},{"absolute_url":"https://job-boards.greenhouse.io/monzo/jobs/7194922","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":true}],"internal_job_id":2807555,"location":{"name":"Cardiff, London or Remote (UK)"},"metadata":null,"id":7194922,"updated_at":"2026-09-14T04:54:11-04:00","requisition_id":"1335","title":"Data Science Manager","company_name":"Monzo","first_published":"2025-08-26T14:12:43-04:00","language":"en","application_deadline":null,"content":"\u0026lt;div class=\u0026quot;content-intro\u0026quot;\u0026gt;\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;em\u0026gt;🚀 We’re on a mission to make money work for everyone.\u0026lt;/em\u0026gt;\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re waving goodbye to the complicated and confusing ways of traditional banking.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/current-account/personal\u0026quot;\u0026gt;personal\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/business-banking\u0026quot;\u0026gt;business\u0026lt;/a\u0026gt; bank accounts, we offer \u0026lt;a href=\u0026quot;https://monzo.com/current-account/joint-account\u0026quot;\u0026gt;joint accounts\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/current-account/16-17\u0026quot;\u0026gt;accounts for 16-17 year olds\u0026lt;/a\u0026gt;, a \u0026lt;a href=\u0026quot;https://monzo.com/current-account/under-16s\u0026quot;\u0026gt;free kids account\u0026lt;/a\u0026gt; and \u0026lt;a href=\u0026quot;https://monzo.com/flex\u0026quot;\u0026gt;credit cards\u0026lt;/a\u0026gt; in the UK, with more exciting things to come beyond. Our UK customers can also \u0026lt;a href=\u0026quot;https://monzo.com/savings\u0026quot;\u0026gt;save\u0026lt;/a\u0026gt;, \u0026lt;a href=\u0026quot;https://monzo.com/investments\u0026quot;\u0026gt;invest \u0026lt;/a\u0026gt;and\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/pensions\u0026quot;\u0026gt;combine their pensions\u0026lt;/a\u0026gt; with us.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;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!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;We’re not about selling products - we want to solve problems and change lives through Monzo ❤️\u0026lt;/p\u0026gt;\n\u0026lt;hr\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;\u0026lt;h4\u0026gt;📍London or UK remote | 💰 £100,000 to £130,000 + Incentive Awards tied to your performance +\u0026lt;a href=\u0026quot;https://monzo.com/careers/#benefits\u0026quot;\u0026gt; Benefits \u0026lt;/a\u0026gt;|\u0026lt;a href=\u0026quot;https://monzo.com/blog/technology\u0026quot;\u0026gt; Technology\u0026lt;/a\u0026gt; -\u0026lt;a href=\u0026quot;https://monzo.com/blog/data\u0026quot;\u0026gt; Data\u0026lt;/a\u0026gt; \u0026amp;nbsp;\u0026lt;/h4\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;h3 class=\u0026quot;PDq2pG_selectionAnchorContainer\u0026quot; data-section-id=\u0026quot;1qv2ufb\u0026quot; data-start=\u0026quot;348\u0026quot; data-end=\u0026quot;373\u0026quot;\u0026gt;⭐ About Data at Monzo\u0026lt;/h3\u0026gt;\n\u0026lt;p data-start=\u0026quot;375\u0026quot; data-end=\u0026quot;632\u0026quot;\u0026gt;Data is at the heart of how we make decisions and build products at Monzo. Our Data teams bring together Data Science, Analytics Engineering, Data Analytics and Machine Learning, working closely with Product, Engineering and other teams across the business.\u0026lt;/p\u0026gt;\n\u0026lt;p data-start=\u0026quot;634\u0026quot; data-end=\u0026quot;928\u0026quot;\u0026gt;Our Data Scientists are embedded within product and business areas across Monzo, where they use experimentation, causal inference, statistical modelling, machine learning and analytics to understand our customers, identify opportunities and influence the direction of our products and strategy.\u0026lt;/p\u0026gt;\n\u0026lt;p data-start=\u0026quot;930\u0026quot; data-end=\u0026quot;1161\u0026quot;\u0026gt;As a \u0026lt;strong data-start=\u0026quot;935\u0026quot; data-end=\u0026quot;959\u0026quot;\u0026gt;Data Science Manager\u0026lt;/strong\u0026gt;, you\u0026#39;ll lead a team of Data Scientists and other Data professionals within one of these areas, combining people leadership with strategic data leadership and close partnership with senior stakeholders.\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;h3 data-section-id=\u0026quot;1ylxzul\u0026quot; data-start=\u0026quot;1163\u0026quot; data-end=\u0026quot;1198\u0026quot;\u0026gt;🔑 You\u0026#39;ll play a key role by...\u0026lt;/h3\u0026gt;\n\u0026lt;p data-start=\u0026quot;1200\u0026quot; data-end=\u0026quot;1372\u0026quot;\u0026gt;You’ll work closely with Product, Engineering and senior leaders to ensure data plays a central role in how we understand problems, make decisions and develop our products.\u0026lt;/p\u0026gt;\n\u0026lt;p data-start=\u0026quot;1374\u0026quot; data-end=\u0026quot;1731\u0026quot;\u0026gt;You\u0026#39;ll lead and develop a team of talented Data Scientists, helping them do their best work while setting a high bar for analytical quality and impact. You\u0026#39;ll provide strategic direction across complex problems, help teams identify where Data Science can have the greatest impact, and ensure insights translate into meaningful decisions and product changes.\u0026lt;/p\u0026gt;\n\u0026lt;p data-start=\u0026quot;1733\u0026quot; data-end=\u0026quot;2102\u0026quot;\u0026gt;We have a strong culture of data-driven decision making across Monzo. We\u0026#39;re big believers in powerful, accessible analytics and empowering teams across the business to answer questions themselves. Around 90% of our day-to-day data-driven decisions are supported by self-serve analytics through Looker, giving our Data teams the space to focus on higher-impact problems.\u0026lt;/p\u0026gt;\n\u0026lt;h3 data-section-id=\u0026quot;18uh40c\u0026quot; data-start=\u0026quot;2104\u0026quot; data-end=\u0026quot;2123\u0026quot;\u0026gt;Your day-to-day\u0026lt;/h3\u0026gt;\n\u0026lt;ul data-start=\u0026quot;2125\u0026quot; data-end=\u0026quot;3199\u0026quot;\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;p4mj4y\u0026quot; data-start=\u0026quot;2125\u0026quot; data-end=\u0026quot;2217\u0026quot;\u0026gt;Lead, develop and grow a team of exceptional Data Scientists and other Data professionals.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1kl695j\u0026quot; data-start=\u0026quot;2218\u0026quot; data-end=\u0026quot;2335\u0026quot;\u0026gt;Hire, coach and retain talented people while creating an environment where they can develop and do their best work.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;wu0fsg\u0026quot; data-start=\u0026quot;2336\u0026quot; data-end=\u0026quot;2458\u0026quot;\u0026gt;Set the Data Science direction for your area and identify where data can have the greatest customer and business impact.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1ohaplb\u0026quot; data-start=\u0026quot;2459\u0026quot; data-end=\u0026quot;2569\u0026quot;\u0026gt;Partner with Product, Engineering and senior stakeholders to shape strategy and influence product direction.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1lt3n4x\u0026quot; data-start=\u0026quot;2570\u0026quot; data-end=\u0026quot;2692\u0026quot;\u0026gt;Bring analytical rigour to complex and ambiguous problems and help teams turn them into clear, actionable opportunities.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;62gosu\u0026quot; data-start=\u0026quot;2693\u0026quot; data-end=\u0026quot;2847\u0026quot;\u0026gt;Ensure teams are using the right analytical approaches, from experimentation and causal inference through to statistical modelling and machine learning.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;spek0d\u0026quot; data-start=\u0026quot;2848\u0026quot; data-end=\u0026quot;2937\u0026quot;\u0026gt;Help connect Data Science work to measurable customer, product and commercial outcomes.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;7im1pb\u0026quot; data-start=\u0026quot;2938\u0026quot; data-end=\u0026quot;3085\u0026quot;\u0026gt;Work with Analytics Engineering, Machine Learning and other Data disciplines to ensure teams have the data, tooling and infrastructure they need.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1302yjf\u0026quot; data-start=\u0026quot;3086\u0026quot; data-end=\u0026quot;3199\u0026quot;\u0026gt;Contribute to the wider Data Science discipline at Monzo, helping us continually raise the bar for how we work.\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;h3 data-section-id=\u0026quot;ycs329\u0026quot; data-start=\u0026quot;3201\u0026quot; data-end=\u0026quot;3240\u0026quot;\u0026gt;🤩 We\u0026#39;d love to hear from you if...\u0026lt;/h3\u0026gt;\n\u0026lt;ul data-start=\u0026quot;3242\u0026quot; data-end=\u0026quot;4399\u0026quot;\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;n0jdqo\u0026quot; data-start=\u0026quot;3242\u0026quot; data-end=\u0026quot;3282\u0026quot;\u0026gt;What we\u0026#39;re doing at Monzo excites you!\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;aaanm1\u0026quot; data-start=\u0026quot;3283\u0026quot; data-end=\u0026quot;3357\u0026quot;\u0026gt;You have significant experience managing and developing Data Scientists.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;jatyaf\u0026quot; data-start=\u0026quot;3358\u0026quot; data-end=\u0026quot;3449\u0026quot;\u0026gt;You\u0026#39;re a strong strategic data leader who uses data to influence decisions and direction.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;ai3t3h\u0026quot; data-start=\u0026quot;3450\u0026quot; data-end=\u0026quot;3573\u0026quot;\u0026gt;You have experience partnering with senior and executive stakeholders across different functions and levels of seniority.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1qxq852\u0026quot; data-start=\u0026quot;3574\u0026quot; data-end=\u0026quot;3660\u0026quot;\u0026gt;You\u0026#39;re comfortable working autonomously in a fast-growing and evolving organisation.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1vwfjmo\u0026quot; data-start=\u0026quot;3661\u0026quot; data-end=\u0026quot;3809\u0026quot;\u0026gt;You have a strong understanding of Data Science approaches including experimentation, causal inference, statistical analysis and machine learning.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1r6z2hr\u0026quot; data-start=\u0026quot;3810\u0026quot; data-end=\u0026quot;3953\u0026quot;\u0026gt;You\u0026#39;re comfortable with tools and languages such as Python and SQL, and understand how to choose the right analytical approach for a problem.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1195ki8\u0026quot; data-start=\u0026quot;3954\u0026quot; data-end=\u0026quot;4079\u0026quot;\u0026gt;You can build credibility with Product, Engineering and senior business leaders and influence without relying on authority.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;w97j5z\u0026quot; data-start=\u0026quot;4080\u0026quot; data-end=\u0026quot;4192\u0026quot;\u0026gt;You have strong product judgement and experience using Data Science to shape product development and strategy.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;nmurw1\u0026quot; data-start=\u0026quot;4193\u0026quot; data-end=\u0026quot;4291\u0026quot;\u0026gt;You know how to balance technical excellence with pragmatic decision-making and business impact.\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1qvls2w\u0026quot; data-start=\u0026quot;4292\u0026quot; data-end=\u0026quot;4399\u0026quot;\u0026gt;You have experience helping Data Scientists develop their technical, product and leadership capabilities.\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;h3 data-section-id=\u0026quot;br6dct\u0026quot; data-start=\u0026quot;4401\u0026quot; data-end=\u0026quot;4426\u0026quot;\u0026gt;The interview process\u0026lt;/h3\u0026gt;\n\u0026lt;p data-start=\u0026quot;4428\u0026quot; data-end=\u0026quot;4537\u0026quot;\u0026gt;Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!\u0026lt;/p\u0026gt;\n\u0026lt;ul data-start=\u0026quot;4539\u0026quot; data-end=\u0026quot;4657\u0026quot;\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;1o6cctv\u0026quot; data-start=\u0026quot;4539\u0026quot; data-end=\u0026quot;4565\u0026quot;\u0026gt;30-minute recruiter call\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;todk6r\u0026quot; data-start=\u0026quot;4566\u0026quot; data-end=\u0026quot;4606\u0026quot;\u0026gt;45-minute call with the hiring manager\u0026lt;/li\u0026gt;\n\u0026lt;li data-section-id=\u0026quot;hpj58m\u0026quot; data-start=\u0026quot;4607\u0026quot; data-end=\u0026quot;4657\u0026quot;\u0026gt;3 x 1-hour video calls with various team members\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p data-start=\u0026quot;4659\u0026quot; data-end=\u0026quot;4844\u0026quot;\u0026gt;Our average process takes around 3–4 weeks, but we\u0026#39;ll always work around your availability. You\u0026#39;ll have the chance to speak to our recruitment team at various points during the process.\u0026lt;/p\u0026gt;\n\u0026lt;h3 data-section-id=\u0026quot;1p19p2y\u0026quot; data-start=\u0026quot;4846\u0026quot; data-end=\u0026quot;4870\u0026quot;\u0026gt;What\u0026#39;s in it for you\u0026lt;/h3\u0026gt;\n\u0026lt;p data-start=\u0026quot;4872\u0026quot; data-end=\u0026quot;4909\u0026quot;\u0026gt;✈️ We can help you relocate to the UK\u0026lt;/p\u0026gt;\n\u0026lt;p data-start=\u0026quot;4911\u0026quot; data-end=\u0026quot;4933\u0026quot;\u0026gt;✅ We can sponsor visas\u0026lt;/p\u0026gt;\n\u0026lt;p data-start=\u0026quot;4935\u0026quot; data-end=\u0026quot;5067\u0026quot;\u0026gt;📍 This role can be based in our London office, but we\u0026#39;re open to distributed working within the UK, with ad hoc meetings in London.\u0026lt;/p\u0026gt;\n\u0026lt;p data-start=\u0026quot;5069\u0026quot; data-end=\u0026quot;5196\u0026quot;\u0026gt;⏰ 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.\u0026lt;/p\u0026gt;\n\u0026lt;p data-start=\u0026quot;5198\u0026quot; data-end=\u0026quot;5277\u0026quot;\u0026gt;📚 Learning budget of £1,000 a year for books, training courses and conferences\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;➕And much more, see our full list of benefits\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://monzo.com/careers/\u0026quot;\u0026gt;here\u0026lt;/a\u0026gt