Jobs at Monzo Bank

Build and evolve Monzo’s native iOS banking application in a small, autonomous product squad. Responsibilities include creating polished customer experiences, writing resilient and well-tested Swift code, collaborating with designers, researchers, product managers, backend and Android engineers, and contributing to product decisions. Engineers work with SwiftUI, The Composable Architecture, Alamofire, Sentry, and comprehensive unit, API, snapshot, and UI testing practices.

Develop and improve financial forecasting models supporting budgeting, stress testing, IFRS 9 expected credit loss, and ICAAP activities. Establish financial modeling best practices, assess regulatory compliance, deliver model enhancements, and present results to senior management. Collaborate with portfolio strategy, model validation, finance, and external audit teams while using Python, SQL, and related analytics technologies.

Senior Writer supporting borrowing and credit products, including loans, credit cards, and overdrafts. The role creates clear, empathetic UX and product content, messaging toolkits, error messages, and legal wording while collaborating with designers, marketers, researchers, engineers, and lawyers. It also contributes to writing standards, training, coaching, and internal resources, using data and research to improve customer communications across Monzo.

Supports subsidiary financial forecasting, variance analysis, reporting, intercompany charging, month-end activities, reconciliations, and strategic project financial management. The role investigates spending variances, maintains financial models and documentation, supports investment business cases, and improves finance processes through automation and transformation initiatives. It partners with Finance, Financial Control, FP&A, and business stakeholders to provide accurate financial information and strengthen governance.

Lead product marketing for a multi-product Collective: set one-year strategy, drive market intelligence, shape product strategy and positioning, own launch sequencing and briefs, embed product-market fit into squads, and coach/raise standards for a small team. Partner with Integrated Marketing to translate propositions into go-to-market execution across UK and European markets.

Provides second-line oversight of prudential risk and financial risk controls for a retail bank. Responsibilities include reviewing ICAAP, recovery and resolution planning, interpreting capital regulations, challenging first-line stakeholders, assessing financial models, analyzing stress-testing outputs, conducting assurance reviews, and preparing reports for risk committees and the Board. The role also supports regulatory change assessment, capital planning, financial forecasting, and strengthening the bank’s prudential risk framework.

Own country performance analysis and market intelligence for Spain, develop data-driven commercial business cases, assess risks and opportunities, and advise the Spain GM on strategic decisions. The role coordinates cross-functional initiatives across product, data, finance, marketing, operations, and research to support Monzo’s international expansion and market launch execution.

Recruit business and corporate-function roles end to end, partnering with hiring managers and executives to define requirements, source talent, assess candidates, and deliver an inclusive candidate experience. Use data to improve hiring processes, manage applications, advise stakeholders, and support diversity-focused recruitment. The role offers flexibility to remain a generalist, develop a specialty, or progress into recruitment leadership.

Own the roadmap and delivery of Monzo’s internal controls and risk product platform. Build low-code prototypes, automated workflows, API integrations, AI-enabled tools, and real-time risk monitoring. Lead adoption across risk teams, guide two data and automation specialists, and partner with Product, Engineering, Data, Operations, and Risk stakeholders to replace manual control processes with scalable self-service solutions.

Lead the development and evolution of Monzo’s visual brand identity across campaigns, digital products, web, print, motion, and internal communications. Manage and mentor designers, oversee end-to-end creative projects, provide art direction, maintain brand guidelines, and collaborate with product, marketing, engineering, writers, and agencies. The role combines hands-on design with typography, conceptual development, motion storyboarding, stakeholder management, and creative leadership.

Drive the full sales cycle for SMB business banking customers, from prospecting and discovery through demos, closing, account switching, onboarding, and activation. Manage lead pipelines, forecasting, follow-ups, and sales targets while delivering consultative customer service. Collaborate with marketing, product, risk, and operations teams, share customer insights, and ensure regulatory compliance, data protection, and consumer duty requirements.

Own financial control and accounting processes, including software capitalization, impairment assessments, month-end close, group consolidation, management commentary, audits, product accounting, accounting policies, chart of accounts integrity, and process automation. The role applies IFRS expertise, operates key controls, supports new product launches, uses SAP S/4HANA and SQL, and partners with Finance, Engineering, business teams, and external auditors.

Lead a team of approximately 12 financial crime investigators focused on screening, transaction monitoring, account closures, and escalations. Responsibilities include quality assurance, complex case handling, technical coaching, performance management, employee development, employee relations, hiring, and process improvement. The role requires fluent written and spoken English and Spanish, strong financial crime leadership experience, and expertise in UK and EU financial crime risks.

Support year-end and month-end financial reporting, annual report preparation, external audits, accounting policies, financial controls, management reporting, and ESG disclosures. Partner with engineering and data teams to automate reporting, assess new products and contracts, interpret accounting standards, maintain balance sheet substantiation, and provide analysis across forecasting, valuations, tax research, and investor reporting.

Leads credit and growth strategy for consumer lending products in Ireland and the EU. Manages analysts, develops underwriting, pricing, affordability, and NPV strategies, monitors lending performance, collaborates on ML models, supports product launches, and communicates insights to executive stakeholders. The role also ensures appropriate credit capabilities, infrastructure, regulatory compliance, and cross-functional coordination.

Lead Monzo’s EU Data team and shape expansion strategy across European markets. Own data strategy, measurement foundations, experimentation, forecasting, goal setting, and product-market-fit analysis. Represent Data at executive level, influence commercial and product decisions, build cross-business learning loops, and develop a high-performing full-stack Data organization of individual contributors and managers.

Produce and improve regulatory liquidity, capital, and disclosure reports, including LCR, NSFR, PRA110, ALMM, and Pillar 3 reporting. Maintain robust controls, document regulatory interpretations, ensure timely and accurate submissions, and support internal governance. Build dashboards using data visualization tools, identify useful insights, and automate recurring reporting processes while collaborating across the business.

Leads strategically important data science initiatives across complex business domains. Shapes data strategy, develops measurement frameworks, applies experimentation, causal inference, forecasting, optimization, and decision science, and partners with senior leaders to drive measurable outcomes. Remains hands-on with complex analyses, experiments, models, and prototypes while establishing technical standards, governance, reproducibility, and documentation. Coaches data scientists and analytics engineers and stewards critical data products end to end.

Lead product-focused data science work: run quantitative analyses and large-scale A/B tests, enable product teams with measurement, drive lifetime value analysis with finance, and partner with engineers to ensure correct data collection and actionable insights.

Provides second-line oversight of consumer and small-business credit risk across lending products. Analyzes portfolio performance, develops monitoring metrics, challenges credit strategies, leads thematic assurance reviews, collaborates on model validation, supports stress testing and forecasting, and maintains the Credit Risk Framework. Partners with first-line teams on product launches and strategy changes while communicating risk insights to stakeholders and committees.