Jobs at Monzo Bank

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.

Analyze user behavior and product performance through quantitative analysis, data mining, reporting, and large-scale A/B experimentation. Partner with product, engineering, marketing, and finance teams to guide decision-making, measure key outcomes, understand customer lifetime value, assess product profitability, and improve data collection. The role is embedded within cross-functional product squads and contributes to product strategy and user engagement.

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.

Data science intern working on real customer projects involving data wrangling, analysis, predictive modeling, visualization, and product insights. The role uses Python, SQL, Looker, and spreadsheets to transform raw data into customer stories and support data-driven product decisions. Interns collaborate with Data teams, learn commercial and product analytics, and complete a full-time 12-week hybrid internship in London.

Software engineering interns will design, write, test, review, and ship code supporting customer features. They will collaborate with product managers, designers, data analysts, and experienced engineers while learning new technologies and engineering practices. Interns will work on a real customer project, receive mentorship, seek feedback, and contribute to Monzo’s banking platform during a minimum 12-week summer internship.

Manage and optimize savings product pricing by analyzing portfolio performance, pricing elasticity, deposit trends, customer behavior, competitor rates, and macroeconomic conditions. Model volume, margin, and profitability trade-offs; forecast deposits; develop pricing datasets and Looker dashboards; and recommend strategic decisions. Partner with Finance, Treasury, Data Science, and Product teams to translate complex financial analysis into actionable growth and pricing decisions.

Manages credit reference agency and external-data supplier relationships across consumer and commercial lending. Responsibilities include supplier onboarding, contract and product tracking, spend reconciliation, budget optimization, cross-functional coordination with Legal, Security, Data Protection, and Procurement, product testing, EU workstreams, and procurement lifecycle activities.

Lead Ops Labs experiments from idea to execution, measuring customer, cost, and commercial impact. Incubate new operational opportunities, collaborate with Product, Engineering, Data Science, CX, and frontline Operations teams, and scale successful pilots into production. The role requires working effectively amid ambiguity, defining success metrics, interpreting results, communicating recommendations, and building an experimentation engine for customer experience innovation.

Oversee outsourced FinCrime operations partners, monitor performance and metrics, and drive remediation across screening, onboarding, transaction monitoring, AML/CTF, and fraud controls. Partner with product, technology, data science, engineering, compliance, audit, and vendors to implement automated solutions, manage change priorities, support assurance activities, and prepare governance materials. Lead cross-functional initiatives supporting EU expansion and mitigate financial crime and money laundering risks across banking products.

Oversee outsourced fraud and dispute operations partners, monitor performance and fraud metrics, drive data-informed mitigation strategies, and coordinate change implementation. Collaborate with product, technology, data science, engineering, compliance, audit, and third-party vendors to address fraud trends, chargebacks, assurance actions, and EU expansion challenges. Support governance reporting, committee materials, prioritization, and automated fraud-monitoring solutions.

Leads Financial Ombudsman Service root cause analysis strategy, monitoring risk indicators and Ombudsman outcomes, and developing remediation roadmaps. The role drives cross-functional accountability, presents insights to senior governance forums, evaluates remediation effectiveness, and mentors RCA analysts. It requires strong financial-services root cause leadership, FCA and DISP expertise, FOS knowledge, data-driven analysis, enterprise risk management, executive communication, and stakeholder influence.

Own Monzo’s global transfer pricing operations, policies, calculations, documentation, and intercompany agreements. Lead Master Files, Local Files, and Country-by-Country Reporting across jurisdictions; advise Finance, Legal, Treasury, Product, and business stakeholders; support international expansion and cross-border structuring; and manage transfer pricing tax authority enquiries and audits. The role requires a qualified accountant or tax advisor with strong transfer pricing expertise and the ability to work independently in a fast-paced fintech environment.

Lead complex, company-wide technical programmes across Operations, product, engineering, risk, compliance, and senior leadership. Responsibilities include defining roadmaps, milestones, priorities, dependencies, and risks; removing blockers; driving technical and organizational change; improving operational effectiveness; and ensuring adoption and measurable outcomes across multiple teams and markets.

Analyzes workforce management data to forecast resource needs, identify operational risks, improve schedules, and optimize shift offerings. Produces executive reports and presentations, manages Verint configuration, monitors holiday utilization, investigates scheduling issues, and collaborates with Operations, People, Hiring, Learning and Development, Forecasting, and data teams to improve efficiency and customer service.

Investigate complex and high-risk anti-money laundering alerts for business accounts, recommend Suspicious Transaction Reports, make risk-based onboarding decisions, conduct enhanced due diligence, and provide financial crime expertise to operational teams. The role requires strong English and Italian communication skills, experience with business banking financial crime investigations, and knowledge of UK and EU financial crime risks.

Conduct third-party and supplier security assurance, security control testing, PCI DSS assessments, regulatory reviews, and audits. Evaluate security evidence, identify risks and control gaps, improve policies and governance, support security inquiries, and advise engineering and product teams on secure changes. The role also drives remediation, process automation, risk prioritization, and continuous improvement while mentoring less experienced analysts.

Leads Monzo’s global People Operations strategy across People Technology, People Analytics, Global Mobility, and Operations & Payroll. Develops multi-year technology and AI roadmaps, advances automation and self-service, strengthens analytics and governance, oversees payroll infrastructure, manages vendors and budgets, and ensures compliance with GDPR, employment laws, and payroll regulations. Partners with executives and leads four functional teams during Workday implementation, AI adoption, and European expansion.

Lead operational tax activities across the UK and Europe, including compliance, reporting, controls, and regulatory change. Advise on customer tax liabilities, FATCA, CRS, ISA reporting, CT61s, and related requirements. Partner with Product, Engineering, Legal, Finance, Financial Crime, and market teams to embed tax considerations into new products and markets. Own processes, controls, and operational tax strategy while acting as the subject matter expert for the business.

Leads engineering teams across people, product, and technical delivery. Manages approximately 7–10 engineers, supports career development through coaching and feedback, ensures engineering excellence, partners with technical and product leaders, drives delivery outcomes, communicates with stakeholders, and contributes to organization-wide engineering practices. The role requires prior software engineering experience, strong technical judgment, delivery leadership, autonomy, and the ability to build and motivate high-performing teams.