Full-Time

Senior Staff Backend Engineer

Customer Operations

Confirmed live in the last 24 hours

Monzo

Monzo

1,001-5,000 employees

Digital banking platform for personal finance

Compensation Overview

ÂŁ140k - ÂŁ165k/yr

+ Share Options

Senior, Expert

H1B Sponsorship Available

London, UK + 1 more

More locations: Cardiff, UK

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

Category
Backend Engineering
Software Engineering
Required Skills
LLM
Machine Learning
Connection
Connection
Connection
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Requirements
  • You have a track record of technical excellence, delivering resilient systems, ideally behind consumer products.
  • You have experience in solving human + tech problems at scale.
  • You have technically led across 3-4 teams to solve complex optimisation problems.
  • You have a quantitative mindset: you care about outcomes and you make data-informed decisions.
  • You’re comfortable working in a cross-functional team that deals with ambiguity and have experience helping your team and partner team resolve that ambiguity.
  • You have experience with or a strong desire to work with Machine Learning specialists to apply various models (including large language models) to real-world problems.
  • You have demonstrable experience working with stakeholders, especially non-technical stakeholders at the senior level.
Responsibilities
  • Partner with the Engineering Director supporting the collective and provide technical leadership across 3+ squads and ~20 engineers.
  • Work collaboratively with product, data and operational leaders to identify and execute on opportunities that further the organisation’s goals and strategy, bringing the right level of clarity, urgency and rigour as appropriate.
  • Work on solving multi-faceted optimisation problems at scale, such as how to maximise the leverage of technologies like LLMs to aid human workers or how to forecast, schedule and efficiently route requests through a workforce of thousands of people and more generally solve high quality customer support at scale.
  • Oscillate between contributing to high-level planning and strategy and organisational leadership and diving deep into the execution of problems and getting hands-on as necessary.
  • Use your expert knowledge and experience to lead architectural discussions for the most complex systems in the collective. You’ll do this in order to arrive at solutions that are robust and optimal given the context.
  • Keep a high bar for technical excellence in the collective, through your own work, highlighting the work of others and calling out when things haven’t quite met the bar.
  • Pro-actively mentor, sponsor and up-level engineers.
Desired Qualifications
  • Experience with or a strong desire to work with Machine Learning specialists to apply various models (including large language models) to real-world problems.

Monzo operates as a digital-only banking platform focused on providing a modern way for individuals to manage their finances. Its main product is a mobile app that allows users to track their income, spending, and savings easily. The app includes features that help users save money, such as automatically setting aside a portion of their paycheck or rounding up transactions to the nearest dollar. Monzo generates revenue through interest on deposits, fees for certain services, and interchange fees from card transactions. Additionally, it offers overdrafts and personal loans. What sets Monzo apart from traditional banks is its real-time balance updates and instant spending notifications, which help users stay informed about their finances. With over 8 million customers, Monzo aims to meet the growing demand for convenient, mobile-first banking solutions.

Company Size

1,001-5,000

Company Stage

Late Stage VC

Total Funding

$1.9B

Headquarters

London, United Kingdom

Founded

2015

Simplify Jobs

Simplify's Take

What believers are saying

  • Monzo's AI-driven features enhance security and personalize user financial experiences.
  • The Under 16s account introduces children to financial management with parental oversight.
  • Monzo's call for Open Finance could revolutionize mortgage management and savings.

What critics are saying

  • Revolut's telecom expansion may attract customers away from Monzo's traditional banking focus.
  • Lunar Youth's launch poses competition to Monzo's Under 16s account.
  • Monzo Flex's buy-now-pay-later model may face regulatory challenges and financial risks.

What makes Monzo unique

  • Monzo offers a seamless, app-based banking experience with real-time spending updates.
  • The 'Pots' feature allows users to organize finances with sub-accounts for specific goals.
  • Monzo Split simplifies shared expenses, reducing awkwardness and financial disputes.

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Benefits

Competitive salary

Flexible working hours

Work from home

Stock options

32 days of paid vacation and public holidays per year

Health insurance

EAP

Learning budget

Home office stipend

Paid parental leave

Growth & Insights and Company News

Headcount

6 month growth

↑ 0%

1 year growth

↑ 0%

2 year growth

↑ 0%
PYMNTS
May 4th, 2025
Revolut And Other Fintechs Making Push Into Telecom Sector

Companies in the FinTech sector are making inroads into the telecom world. That’s according to a report Sunday (May 4) by the Financial Times (FT), pegged to the recent announcement from neobank Revolut that it was launching a mobile service. As covered here last week, this program will offer users unlimited calls, texts and data at home and a 20GB roaming allowance across Europe and the U.S., launching first in the U.K. and Germany

FF News
Apr 3rd, 2025
Monzo Calls For Urgent Action As New Research Shows Uk Homeowners Could Be Saving Up To ÂŁ2.3Bn On Mortgage Interest Payments Each Year

Monzo, the UK’s leading digital bank with more than 11 million customers, has revealed that outdated mortgage systems make it difficult for the UK homeowners to manage their mortgages effectively. To help homeowners save on interest, reduce mortgage terms through overpayments and secure better deals, Monzo is calling for the government to urgently press ahead with industry-wide mortgage data sharing through Open Finance as part of the Data Use and Access Bill.Monzo’s survey of 4,000 UK adults conducted by Censuswide reveals significant gaps in understanding and barriers to huge savings and better deals. It reveals that UK homeowners could have up to £5.3 billion that they would like to put towards overpayments annually but don’t have the tools or knowledge – this could save UK homeowners an estimated £2.3 billion on mortgage interest each year. The research comes shortly after the Bank of England reported that nearly half of households expect to face increased mortgage costs over the next two years.Key Findings:Most important financial commitment: almost three-quarters (74%) of UK mortgage holders see their mortgage as one of the most important parts of their financial life.almost three-quarters (74%) of UK mortgage holders see their mortgage as one of the most important parts of their financial life. Desperate need for better tools : 51% want a better way to manage their mortgage, and 36% say it would motivate them to reduce debt with 69% of first-time buyers wanting to reduce their mortgage debt, term or interest.: 51% want a better way to manage their mortgage, and 36% say it would motivate them to reduce debt with 69% of first-time buyers wanting to reduce their mortgage debt, term or interest. Sparse updates by post : nearly a third (30%) of mortgage holders still rely on physical statements by post to track their mortgage.: nearly a third (30%) of mortgage holders still rely on physical statements by post to track their mortgage

FF News
Apr 1st, 2025
Monzo Reveals Half Of Renters Are Unprotected As It Launches Contents Insurance

Leading digital bank Monzo today launches Contents Insurance, a new product that makes it easier, faster, and more flexible for renters and homeowners to protect their belongings.Whilst homeowners are more likely to insure their home and belongings, new research from Monzo reveals a major gap in renter protection – 1 in 2 UK renters (50%) either don’t have contents insurance or don’t even know what it is. With over 5 million privately rented households1 currently in the UK, making sure Brits are protected has never been more crucial.Monzo Contents Insurance is another step toward creating a seamless, all-in-one app experience where customers can manage every aspect of their financial lives effortlessly. The product offers cover for damage and theft, inside and outside your home, including replacement of locks and keys – and more. You can also add your higher value items as an optional extra. The product will be rolled out to all eligible customers over the next couple of weeks.Key features include:Get covered in minutes: Customers can skip the endless stream of questions and get covered in just five crucial questions.Customers can skip the endless stream of questions and get covered in just five crucial questions. Personalise your policy: With expensive prices being a barrier for those wanting cover (41%), Monzo users can personalise their policy with customisable add-ons and instantly show how each choice affects the price.With expensive prices being a barrier for those wanting cover (41%), Monzo users can personalise their policy with customisable add-ons and instantly show how each choice affects the price

PYMNTS
Mar 24th, 2025
Monzo Debuts Tool To Ease Shared Expense Awkwardness

United Kingdom FinTech Monzo debuted a tool to help consumers share expenses with friends and family. Monzo Split is aimed at solving what the company said is a persistent problem in the U.K. Consumers lose money because they feel too awkward to ask to be paid back after covering shared expenses, according to a Monday (March 24) press release provided to PYMNTS. “We’ve all been there — trying to stay on top of costs on a group trip, managing ongoing household expenses or buying that round of drinks — and then awkwardly chasing people,” Monzo Chief Product Officer Andy Smart said in the release. “We don’t think splitting costs should come at a cost, so we built Monzo Split. Now, whether you’re a Monzo customer or not, we can take care of the tracking, the maths, and even the nudging, so you don’t have to.”

FF News
Mar 24th, 2025
Monzo Aims To Put Over £3 Billion Back In Brits’ Pockets With Monzo Split, A Free Feature That Removes The Hassle Of Shared Expenses

Monzo has found that Brits are losing a staggering £3.2 billion every year because they feel too awkward to ask for their money back after covering shared expenses. The average person waves goodbye to £61.48 each year by dodging those uncomfortable “Can you send me that £5?” texts, with 68% admitting they find it awkward to ask someone for money they are owed.Monzo also revealed that:Over half (55%) of Brits regularly cover costs for othersMore than third (35%) have fallen out with friends and family over asking for money backFor people who’ve lost money, 42% said it was due to embarrassment while 27% forgot to askThe highest amount of money people would let go without asking to be repaid is £15With this in mind, the digital bank is introducing Monzo Split – a seamless feature designed to make splitting expenses effortless. It allows you to split, track, pay and chase payments, all in one safe place – even if you don’t bank with Monzo. It offers a smooth, fee-free experience with the option to do the chasing for you and thus taking the awkwardness away.Monzo Split offers flexibility with two distinct ways to manage expenses:Running Split : Ideal for ongoing expenses such as household bills or group trips. Running Splits allow users to track and manage multiple expenses over time, and when you’re ready to settle up, Monzo will work out the math for you.: Ideal for ongoing expenses such as household bills or group trips. Running Splits allow users to track and manage multiple expenses over time, and when you’re ready to settle up, Monzo will work out the math for you