Monzo

We started Monzo in February 2015 with the mission of building the best current account in the world. In April 2017, we received our full UK banking licence from the FCA and PRA and are now working hard to roll out our free current account later this year.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.We're doing things differently. For too long, banking has been obtuse, complex and opaque.We want to change that and build a bank with everyone, for everyone. Our amazing community of users suggests features, tests the app and gives us constant feedback so we can build something we all love.

Monzo London, UK
Mar 20, 2019
Full time
We’re searching for seasoned product-aware iOS engineers to help us on our mission: you'll centre users in the way that you think, and have a passion for great UI and UX. You understand the need for tested, resilient code balanced against the need to move fast and iterate. We’re building a bank for and with our users. A product that’s fair, transparent and a pleasure to use. We see ourselves as something more than a typical current account: we’re setting out to solve all the problems that exist around your financial life in a coherent, meaningful and delightful way. You’ll be working on a product that is a part of day to day life for more than a million people already, and your work here will shape the way that people interact with their finances. We don't expect you to line-manage other people but you'll be an ally and mentor to other iOS engineers who will learn from your direction and experiences. Engineering at Monzo There are 13 iOS at Monzo, and we're looking to grow the discipline to 25 people over the course of the year. We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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. We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and, following  Stripe’s  example, all emails in the company are visible in an email archive. We’ve also made our  product roadmap  public and give sneak peeks of features in our  community forum . Our  blog  is a good place to learn even more about what we do! Monzo works in project-based sprints in small, interdisciplinary teams We have around 100 engineers out of roughly 450 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication Our iOS app At Monzo, you'll get to work with industry standard tools and technologies - and help us define what great looks like for iOS engineers. Our app is 100% Swift, built using a Model, View, View-Model architecture (MVVM). We use Coordinators to ensure we can re-use screens wherever possible, and avoid tightly coupling one screen to another. We make heavy use of protocols and extensions throughout our app. Our networking stack is built upon Alamofire, using a generic interface to easily de-serialise objects of a certain type, and we mirror our backend micro-service architecture by building individual services to house our API logic. We persist objects using Realm when we need to. Our testing stack comprises of unit tests for business logic, stubbed API tests for pseudo-integration tests, snapshot tests for UI, and KIF for testing user input and sequencing. We've published some talks and blog posts about how we work: Working with backend services on iOS Pushing Protocols to their Limits The Release Mindset (how we release our apps) What you'll be doing As an iOS engineer at Monzo you'll work in a small, autonomous product squad alongside Android Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Business Analysts. Your mission will depend on the squad, but currently mobile engineers are working on customer growth, revenue, lending products, business banking and internal operations. We also have a small squad dedicated to enabling other mobile engineers to move faster. You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both  what we build, and  how  we build it. Every week we meet as a discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes. You'll report to an engineering manager, and we have specific managers who have a background in mobile engineering. Your manager will meet with you every 2 weeks 1:1, and their mission is to help you develop and grow as an engineer. What we're looking for We're looking for iOS engineers with strong product sensibilities. You'll care about the impact your work has on our customers, and optimise for impact rather than the number of lines of code you output. You should apply if: You are excited about programming in Swift You’ve shipped and iterated on at least one app in the App Store You love turning excellent design into beautiful products You enjoy developing apps that delight users You’re comfortable working in a team that deals with ambiguity every day Have an understanding of the principles of computer science Bonus points for (but not essential): Familiarity with Android engineering, or other programming languages Contributing to open source projects Compensation Our salary range for the role is £70,000 - £100,000 per annum depending on experience, plus stock options. Logistics Our main office is near Moorgate in London, though you have the opportunity to work remotely as long as you can spend around 20% of your time in London. We can help you relocate to London and we can sponsor visas! Our interview process consists of an initial phone screen, a take-home code test with a call to review your solution, and a half-day on-site interview. The on-site consists of three rounds: iOS technical You'll meet 2 other iOS engineers. Together we'll go over some technical challenges we've faced as a company. We'll ask you to come up with designs to solve these problems, and we'll ask you questions about your experience using Swift in production. General technical You'll meet 2 engineers from different disciplines. We'll go through some technical problems you've solved in the past, and we'll go through some general engineering problems together. We're not testing your knowledge, but how you respond to problems you haven't solved before. Product and design You'll meet a product manager and designer, who will go through your code test with you, and talk about how you work with designers, product managers and other stakeholders on projects. At each stage you'll have an opportunity to ask us questions about what life is like at Monzo. We won't ask you to write code on a whiteboard during your interview.
Monzo London, UK
Mar 20, 2019
Full time
We’re searching for seasoned product-aware Android engineers to help us on our mission: you'll centre users in the way that you think, and have a passion for great UI and UX. You understand the need for tested, resilient code balanced against the need to move fast and iterate. We’re building a bank for and with our users. A product that’s fair, transparent and a pleasure to use. We see ourselves as something more than a typical bank: we’re setting out to solve all the problems that exist around your financial life in a coherent, meaningful and delightful way. You’ll be working on a product that is a part of day to day life for more than a million people already, and your work here will shape the way that people interact with their finances. We don't expect you to line-manage other people but you'll be an ally and mentor to other Android engineers who will learn from your direction and experiences. Engineering at Monzo There are 13 Android engineers at Monzo, and we're looking to grow the discipline to 25 people over the course of the year. We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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. We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and, following  Stripe’s  example, all emails in the company are visible in an email archive. We’ve also made our  product roadmap  public and give sneak peeks of features in our  community forum . Our  blog  is a good place to learn even more about what we do! Monzo works in project-based sprints in small, interdisciplinary teams We have around 100 engineers out of roughly 450 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication Our Android app At Monzo, you'll get to work with industry standard tools and technologies - and help us define what great looks like for Android engineers. Our app is almost 100% Kotlin, mostly built using MVP (Model View Presenter), though we are currently transitioning to MVVM (Model View ViewModel). We've started to use Coordinators to help use re-use screens where we can. Our app is modularised by product feature. We use RxJava heavily, Retrofit and Moshi for API calls and Dagger for dependency injection. We use Realm and Room for persistence, and Repositories for interacting with them. We use GitHub Pull Requests to do code reviews, and write unit tests for our Presenters, ViewModels and any other classes which contain logic. We Espresso for UI tests, which we run on Firebase Test Lab via CircleCI. We recently wrote about  building Monzo Chat on Android , which goes into detail on some of these elements. What you'll be doing As an Android engineer at Monzo you'll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers and QA Testers, and Business Analysts. Your mission will depend on the squad, but currently mobile engineers are working on customer growth, revenue, lending products, business banking and internal operations. We also have a small squad dedicated to enabling other mobile engineers to move faster. You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both  what we build, and  how  we build it. Every week we meet as a discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes. You'll report to an engineering manager, and we have specific managers who have a background in mobile engineering. Your manager will meet with you every 2 weeks 1:1, and their mission is to help you develop and grow as an engineer. What we're looking for We're looking for Android engineers with strong product sensibilities. You'll care about the impact your work has on our customers, and optimise for impact rather than the number of lines of code you output. You should apply if: You want to build a product that you and everyone you know uses literally every day You’re comfortable working in a team that deals with ambiguity every day Are great at explaining complicated technical concepts clearly Have an understanding of the principles of computer science Bonus points for (but not essential): Familiarity with iOS engineering, or other programming languages Contributing to open source projects Compensation Our salary range for the role is £70,000 - £100,000 per annum depending on experience, plus stock options. Logistics Our main office is near Moorgate in London, though you have the opportunity to work remotely as long as you can spend around 20% of your time in London. We can help you relocate to London and we can sponsor visas. Our interview process consists of an initial phone screen, a take-home code test with a call to review your solution, and a half-day on-site interview. The on-site consists of three rounds: Android technical You'll meet 2 other Android engineers. Together we'll go over some technical challenges we've faced as a company. We'll ask you to come up with designs to solve these problems. General technical You'll meet 2 engineers (not always Android engineers). We'll go through some technical problems you've solved in the past, and we'll go through some general engineering problems together. We're not testing your knowledge, but how you respond to problems you haven't solved before. Product and design You'll meet a product manager and designer, who will go through your code test with you, and talk about how you work with designers, product managers and other stakeholders on projects. At each stage you'll have an opportunity to ask us questions about what life is like at Monzo. We won't ask you to write code on a whiteboard during your interview.
Monzo London, UK
Mar 20, 2019
Full time
At Monzo we ’re   aiming to  build   the  best current account in the world . We are always keen to hear from capable, creative people who want to help us accomplish that goal. We want our bank to be s afe  and s ecure  for our customers, so security is  very important to us    Security  at Monzo We are looking for a proactive, technically-minded and organised Security Analyst to join our Security team.  Monzo’s security team has a wide range of responsibilities, from infrastructure security to application security. As a bank, we are solving diverse, novel problems to ensure that our customers and their data are secure.  One of the guiding principles of security at Monzo is that security at the expense of user experience is a last resort. We aim to move mountains in the background such that we can build world-class features without compromising on security. As a member of our security team you would be responsible for constantly improving the security of Monzo as a part of a multi-disciplinary team. You would work closely with security engineers, as well as lots of teams across the company. You’ll spend your time: Managing projects within the team, whether we’re rolling out a new feature to customers, or preparing to undergo an audit Writing and delivering training to Monzonauts across the company and across the world Working closely with our second-line Risk & Compliance team to improve the way we mitigate security risk Developing new processes and procedures to improve security at Monzo Collaborating and working with other teams to ensure that they can meet their objectives securely   Supporting the Security team on broader initiatives to help boost security awareness Conducting periodic security reviews, and helping respond to security incidents You should apply if: What we’re doing in the Security team excites you! You’re technically-minded and understand security best practices You have experience managing multiple projects simultaneously, and are comfortable with regular context-switching You’re comfortable reading and interpreting technical requirements, regulation and procedures You love taking the initiative, prioritising and driving things forward, without being told what to do You’re comfortable interacting with both technical and non-technical stakeholders You are an excellent communicator, both verbally and in writing Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working (as long as you can spend at least 20% of your time in London).   We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. Our interview process typically consists of an initial phone screen, a take-home exercise, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions  Any questions? If you’re unsure about applying or have any questions about the role or team, please don’t hesitate to email  Marcelo  directly   Also, if you are under time pressure to change jobs soon (or have any other deadlines), please let us know, as we'll always do our best to speed up the process for you!
Monzo London, UK
Mar 20, 2019
Full time
At Monzo we’re aiming to build the   best current account in the world . We are always keen to hear from capable, creative engineers who want to help us accomplish that goal. As we build and scale our platform we would like to hear from people who have experience and a passion for these types of challenges! Platform As a backend engineer in the Platform team, you’ll get to work across a wide range of systems and environments.  As a team, we’re responsible for designing, building, and operating our physical data centres, all of our networking, the services we consume from AWS, and the software we run on top like Kubernetes, Cassandra, Prometheus, and Kafka.  We're investing a lot of up-front effort in building scalable, secure, and resilient systems, capable of supporting Monzo’s continued growth. Engineers at Monzo have a variety of different backgrounds We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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. We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and, following   Stripe’s  example, all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to   open source software  as much as possible. We’ve also made our product roadmap  public and give sneak peeks of features in our   community forum . Our   blog  is a good place to learn even more about what we do!   At Monzo you will get to work with a lot of exciting new technology. We rely heavily on the following tools and technologies: AWS  for most of our infrastructure Kubernetes  to schedule and run our services ( Oliver , our Head of Engineering, gave a great   talk  at KubeCon on how we use these technologies) Prometheus  to monitor everything! (see  How we Monitor Monzo ) Linkerd  for our service mesh Kafka  for our asynchronous message queue Cassandra  for most persistent data storage Go  to write our application code (there’s an excellent interactive Go tutorial here ) We also have two physical datacenter sites with actual cables to connect to various third parties You should apply if: the work we’re doing sounds exciting! you’re passionate about yaml you’re familiar with some of our Platform technologies, or specialise in just one part you want to help build, scale and operate a platform to support a product that you (and everyone you know) use every day you’re keen to learn more about new technologies and the arcane inner workings of the financial industry you’re comfortable working in a team that deals with ambiguity you’re interested in distributed systems and writing resilient software Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working (as long as you can spend around 20% of your time in London).   We offer competitive salaries based on skills and experience, which could be anywhere between £40,000 - £100,000 per annum. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. Our interview process typically consists of an initial phone screen with one of our platform team, a take-home code test, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard
Monzo London, UK
Mar 20, 2019
Full time
We’re searching for product-aware iOS engineers to help us on our mission: you'll centre users in the way that you think, and have a passion for great UI and UX. You understand the need for tested, resilient code balanced against the need to move fast and iterate. We’re building a bank for and with our users. A product that’s fair, transparent and a pleasure to use. We see ourselves as something more than a typical current account: we’re setting out to solve all the problems that exist around your financial life in a coherent, meaningful and delightful way. You’ll be working on a product that is a part of day to day life for more than a million people already, and your work here will shape the way that people interact with their finances. Engineering at Monzo There are 13 iOS at Monzo, and we're looking to grow the discipline to 25 people over the course of the year. We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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. We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and, following  Stripe’s  example, all emails in the company are visible in an email archive. We’ve also made our  product roadmap  public and give sneak peeks of features in our  community forum . Our  blog  is a good place to learn even more about what we do! Monzo works in project-based sprints in small, interdisciplinary teams We have around 100 engineers out of roughly 450 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication Our iOS app At Monzo, you'll get to work with industry standard tools and technologies - and help us define what great looks like for iOS engineers. Our app is 100% Swift, built using a Model, View, View-Model architecture (MVVM). We use Coordinators to ensure we can re-use screens wherever possible, and avoid tightly coupling one screen to another. We make heavy use of protocols and extensions throughout our app. Our networking stack is built upon Alamofire, using a generic interface to easily de-serialise objects of a certain type, and we mirror our backend micro-service architecture by building individual services to house our API logic. We persist objects using Realm when we need to. Our testing stack comprises of unit tests for business logic, stubbed API tests for pseudo-integration tests, snapshot tests for UI, and KIF for testing user input and sequencing. We've published some talks and blog posts about how we work: Working with backend services on iOS Pushing Protocols to their Limits The Release Mindset (how we release our apps) What you'll be doing As an iOS engineer at Monzo you'll work in a small, autonomous product squad alongside Android Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Business Analysts. Your mission will depend on the squad, but currently mobile engineers are working on customer growth, revenue, lending products, business banking and internal operations. We also have a small squad dedicated to enabling other mobile engineers to move faster. You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both  what we build, and  how  we build it. Every week we meet as a discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes. You'll report to an engineering manager, and we have specific managers who have a background in mobile engineering. Your manager will meet with you every 2 weeks 1:1, and their mission is to help you develop and grow as an engineer. What we're looking for We're looking for iOS engineers with strong product sensibilities. You'll care about the impact your work has on our customers, and optimise for impact rather than the number of lines of code you output. You should apply if: You are excited about programming in Swift You’ve shipped and iterated on at least one app in the App Store You love turning excellent design into beautiful products You enjoy developing apps that delight users You’re comfortable working in a team that deals with ambiguity every day Have an understanding of the principles of computer science Bonus points for (but not essential): Familiarity with Android engineering, or other programming languages Contributing to open source projects Compensation Our salary range for the role is £50,000 - £100,000 per annum depending on experience, plus stock options. Logistics Our main office is near Moorgate in London, though you have the opportunity to work remotely as long as you can spend around 20% of your time in London. We can help you relocate to London and we can sponsor visas! Our interview process consists of an initial phone screen, a take-home code test with a call to review your solution, and a half-day on-site interview. The on-site consists of three rounds: iOS technical You'll meet 2 other iOS engineers. Together we'll go over some technical challenges we've faced as a company. We'll ask you to come up with designs to solve these problems, and we'll ask you questions about your experience using Swift in production. General technical You'll meet 2 engineers from different disciplines. We'll go through some technical problems you've solved in the past, and we'll go through some general engineering problems together. We're not testing your knowledge, but how you respond to problems you haven't solved before. Product and design You'll meet a product manager and designer, who will go through your code test with you, and talk about how you work with designers, product managers and other stakeholders on projects. At each stage you'll have an opportunity to ask us questions about what life is like at Monzo. We won't ask you to write code on a whiteboard during your interview.
Monzo London, UK
Mar 20, 2019
Full time
We’re looking for an empathetic manager with a technical background to support and coach our mobile engineers. At Monzo we aim to build the  best current account in the world . We are looking for an engineering manager to join us and support our mobile engineers as we grow into a world-class engineering organisation. We work in interdisciplinary teams arranged around a mission, with clear responsibilities and objectives, and the right people in the team to independently ship from their own roadmap. This means you’ll manage iOS and Android engineers who may be in different teams and with different priorities. We care deeply about building an inclusive and diverse culture in which everyone can succeed. Our engineers have a variety of different backgrounds: we have several non-graduates; only a few of us studied Computer Science; one of the team has a degree in Marketing; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. Your focus will be on helping each of them with their personal and professional development, listening, guiding them through hard times and celebrating their successes. You'll understand the kind of challenges associated with building mobile apps in a company with multiple consumer facing engineering teams. You’ll spend your time: conducting regular 1:1s with every person you manage to give and receive feedback coaching, mentoring, and developing high performing engineers helping individuals determine the best way to reach their professional goals managing performance and providing useful, timely feedback guiding engineers to the right training courses, conferences, and potential stretch projects helping with productivity or communication issues interviewing and supporting hiring new engineers contributing to management best practices: helping us become an exceptional place to work for the ambitious, highly motivated people that we hire partnering with tech leads and product managers to ensure delivery squads are properly staffed and able to be highly effective We encourage an open and transparent working environment. You can get involved in any aspect of the business you are interested in and,  following Stripe’s example , all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and  we contribute to open source software as much as possible . We’ve also made  our product roadmap public  and give sneak peeks of features in  our community forum . If you’re unsure about applying or have any questions about the role or team, please don’t hesitate to email Andy from our Engineering Support Team on andy@monzo.com 😊We're very open about what we do in general, so  our blog  is a good place to learn more about what we do. You should apply if: you would like to help Monzo build a world-class engineering organisation. Not just from a technical perspective but also from an interpersonal perspective you have experience managing high-performing iOS or Android engineers you understand the challenges associated with building iOS and Android in larger teams  you have an empathetic leadership style and you build strong, effective relationships you care deeply about helping others achieve their goals, avoid burnout, and become the best engineer they can be Teams and Managers at Monzo Monzo is growing very quickly. We've doubled our headcount over the past 10 months and expect to keep growing at approximately that rate. Our current hypothesis is that the best way to stay productive during this growth is to create small, interdisciplinary teams, that are able to independently achieve their objectives and ship things from their own roadmap. Find out more about how we organise our teams and support engineers. Logistics The interview process consists of a 45-60 minute phone call, followed by 2 hours of face to face interviews at our office in Moorgate, London. Sometimes, we arrange a follow-up interview to discuss the feedback from the first onsite stage. We're an equal opportunity employer and prize diversity as a strength. Whoever you are, you're welcome at Monzo. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics.
Monzo London, UK
Mar 20, 2019
Full time
We’re looking for empathetic managers with a technical background to support and coach our engineers and help drive technical initiatives that improve our engineering practices. We’re particularly looking for people who would love to grow and develop high-performing engineers in our Financial Crime, Security, Payments or Platform teams. Engineers work in interdisciplinary teams arranged around a mission, with clear responsibilities and objectives, and the right people in the team to independently ship from their own roadmap. Engineering Managers are separate from delivery teams, focusing on managing high performance and development for engineers across more than one team.  Find out more about how we organise our teams and support engineers. Your focus will be on helping each of them with their personal and professional development, listening, guiding them through hard times and celebrating their successes. You may also help drive technical initiatives in partnership with senior engineers across multiple teams, such as a testing, accessibility or performance. You’ll spend your time: supporting, coaching and developing high performing engineers through regular 1:1s, continuous feedback and relationships with team leads working closely with the talent team to attract and hire high potential team members from diverse backgrounds contributing to management best practices: helping us become an exceptional place to work for the ambitious, highly motivated people that we hire helping to build an engineering organisation that can make a success of rapid growth partnering with senior engineers to drive technical initiatives that improve our engineering practices partnering with tech leads and product managers to ensure delivery squads are properly staffed and able to be highly effective Projects  Engineering Managers have  worked on in the last year: Building and rolling out an  engineering progression framework Iterating the engineering on-boarding process to help engineers become productive more quickly Creating a promotions process to make sure engineers are being fairly recognised and rewarded for their contributions Establishing a ‘tech lead’ role in product engineering squads to provide a clear technical mentor in the squad and a technical partner for product managers Running a summer internship for engineers that saw them work on real-world problems in our engineering teams with engineers they learned a lot from  You should apply if: you have experience managing the performance and development of high-performing engineers you have an empathetic leadership style and you build strong, effective relationships you care deeply about helping others achieve their goals, avoid burnout, and become the best engineers they can be If you’re unsure about applying or have any questions about the role or team, please don’t hesitate to email Will from our Engineering Support Team on willpillar@monzo.com   We're very open about what we do in general, so  our blog is a good place to learn more. Logistics The interview process consists of a 45-60 minute phone call, followed by 2 hours of face to face interviews at our office in Moorgate, London. Sometimes, we arrange a follow-up interview to discuss the feedback from the first onsite stage. We encourage an open and transparent working environment. You can contribute ideas to and ask questions of any aspect of the business you are interested in and,  following Stripe’s example , all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and  we contribute to open source software as much as possible . We’ve also made  our product roadmap public  and give sneak peeks of features in  our community forum . We're an equal opportunity employer and prize diversity as a strength. Everyone is welcome at Monzo. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics.   We offer competitive salaries based on skills and experience, which could be anywhere between £55,000 - £100,000 per year. 
Monzo London, UK
Mar 20, 2019
Full time
The Platform Team is looking for an engineer with experience in building, maintaining and operating Cassandra at scale. You'll have the opportunity to work with our established setup and drive future development in how we use Cassandra at Monzo. Cassandra is at the core of our bank and used by many of our 600+ microservices running in Kubernetes. At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have close to a million customers in the UK, with over 60,000 new people joining every month. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. You’ll spend your time: Collaborating closely with other engineers and becoming a valued member of the Platform Team Working with other teams to help them understand and use Cassandra Ensuring that our Cassandra clusters are stable, performant, and up-to-date Researching, defining and implementing the future of Cassandra at Monzo Contributing to the Cassandra open source project Developing systems which automate the management, and increase reliability, of Cassandra You should apply if: What we’re doing here at Monzo excites you! You have a deep understanding of Cassandra and distributed systems You’re comfortable working with AWS You’re interested in writing software to improve the ongoing operations of Cassandra You have a good command of *nix tools (in the context of analysing and troubleshooting system performance) You have a solid understanding of the JVM and know how to tune it Here is some more info on the platform team: Platform Help us build a state-of-the-art microservices platform based on the learnings of Netflix, Twitter, and Google. We're investing a lot of up-front effort in building a scalable, secure, and extensible architecture. We've posted a good overview of our platform on our   blog . Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working (as long as you can spend around 20% of your time in London).   We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. Our interview process typically consists of an initial phone screen, a take-home code test, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard 
Monzo London, UK
Mar 20, 2019
Full time
At Monzo we ’re   aiming to  build   the  best current account in the world . We are always keen to hear from capable, creative engineers who want to help us accomplish that goal. We want our bank to be s afe  and s ecure  for our customers, so security is  very important to us    Security  at Monzo Monzo’s security team has a wide range of responsibilities, from infrastructure security to application security. As a bank, we are solving diverse, novel problems to ensure that our customers are safe and secure.  One of the guiding principles of security at Monzo is that security at the expense of user experience is a last resort. We aim to move mountains in the background such that we can build world-class features without compromising on security. As a member of our security team you would be responsible for constantly improving the security of Monzo, and you would work closely with other teams to ensure that our systems are secure by design. Of course, security incidents can and do occur, and the security team is involved with many different types of  incident  response . Our engineers have a variety of different backgrounds We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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. We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and,following  Stripe’s  example, all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to  open source software  as much as possible. We’ve also made our product roadmap  public and give sneak peeks of features in our  community forum . Our  blog  is a good place to learn even more about what we do! Monzo  works in project-based sprints in  small, interdisciplinary teams We have around 100 engineers out of roughly 400 people in total - and we have big ambitions. As a security engineer here you'd be able to work directly with lots of teams across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.  At Monzo you will get to work with a lot of exciting new technology. We rely heavily on the following tools and technologies: Go  to write our application code (there’s an excellent interactive Go tutorial  here ) Cassandra  for most persistent data storage Kafka  for our asynchronous message queue Linkerd / Finagle  for RPC Kubernetes  and  Docker  to schedule and run our services ( Oliver , our Head of Engineering, gave a great  talk  at KubeCon on how we use these technologies) AWS  for most of our infrastructure React  for internal web dashboards We also have two physical datacenter sites with actual cables to connect to various third parties  You should apply if: the work we’re doing sounds exciting! you want to be involved in building a product that you (and everyone you know) use every day you’re constantly looking for flaws in systems and can reason about how best to address them you’re keen to learn more about new technologies and the arcane inner workings of the financial industry you’re comfortable working in a team that deals with ambiguity you’re interested in distributed systems and writing resilient software you have some experience with strongly-typed languages (Go, Java, C, Scala etc.). Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working (as long as you can spend at least 20% of your time in London).   We offer competitive salaries based on skills and experience, which could be anywhere between £40,000 - £100,000 per annum.  We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re continually hiring for Security Engineers! Our interview process typically consists of an initial phone screen, a take-home code test, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard  Any questions? If you’re unsure about applying or have any questions about the role or team, please don’t hesitate to email  Jack  directly   Also, if you are under time pressure to change jobs soon (or have any other deadlines), please let us know, as we will will always do our best to speed up the process for you!
Monzo London, UK
Mar 20, 2019
Full time
At Monzo  we ’re   aiming to  build   the  best current account in the world . We are always keen to hear from capable, creative engineers who want to help us accomplish that goal 🚀 Please note: we get lots of successful applications for Backend Engineer in Lending so there could be a delay in scheduling interviews from the initial stage right up until the final interviews. If you're invited to interview and you have any immediate time pressures, please let us know, as we'll always do our best to speed things up for you  😊 Our backend engineers have a variety of different backgrounds We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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.  We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and,following  Stripe’s  example, all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to  open source software  as much as possible. We’ve also made our product roadmap  public and give sneak peeks of features in our  community forum . Our  blog  is a good place to learn even more about what we do! Monzo  works in project-based sprints in  small, interdisciplinary teams We have around 150 engineers out of roughly 750 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer.  As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.  At Monzo you will get to work with a lot of exciting new technology. We rely heavily on the following tools and technologies: Go  to write our application code (there’s an excellent interactive Go tutorial  here ) Cassandra  for most persistent data storage Kafka  for our asynchronous message queue Envoy Proxy  for RPC Kubernetes  and  Docker  to schedule and run our services ( Oliver ,our Head of Engineering, gave a great  talk  at KubeCon on how we use these technologies) AWS  for most of our infrastructure React  for internal web dashboards We also have two physical datacenter sites with actual cables to connect to various third parties  You should apply if: the work we’re doing sounds exciting! you want to be involved in building a product that you (andeveryone you know) use every day you’re keen to learn more about new technologies and the arcane inner workings of the financial industry you’re comfortable working in a team that deals with ambiguity you’re interested in distributed systems and writing resilient software you have some experience with strongly-typed languages (Go,Java, C, Scala etc.). The Product team The product backend team work primarily on creating backend services and APIs for our in-app user-facing features. They work closely with our mobile engineers and designers to create a delightful user experience, and to drive growth and retention. Projects that Product backend engineers have worked on recently include Summary (giving people insight into their finances to empower them to spend sensibly) and the Current Account Switch Service (all the hard work to allow users to move to Monzo quickly and easily). Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working (as long as you can spend around 20% of your time in London).   We offer competitive salaries based on skills and experience, which could be anywhere between £40,000 - £100,000 per year.  We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re continually hiring for Backend Engineers! Our interview process typically consists of an initial phone screen, a take-home code task, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard 
Monzo London, UK
Mar 20, 2019
Full time
t Monzo  we ’re   aiming to  build   the  best current account in the world . We are always keen to hear from capable, creative engineers who want to help us accomplish that goal 🚀 Please note: we get lots of successful applications for Backend Engineer in Lending so there could be a delay in scheduling interviews from the initial stage right up until the final interviews. If you're invited to interview and you have any immediate time pressures, please let us know, as we'll always do our best to speed things up for you  😊 Our backend engineers have a variety of different backgrounds We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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.  We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and,following  Stripe’s  example, all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to  open source software  as much as possible. We’ve also made our product roadmap  public and give sneak peeks of features in our  community forum . Our  blog  is a good place to learn even more about what we do! Monzo  works in project-based sprints in  small, interdisciplinary teams We have around 150 engineers out of roughly 750 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer.  As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.  At Monzo you will get to work with a lot of exciting new technology. We rely heavily on the following tools and technologies: Go  to write our application code (there’s an excellent interactive Go tutorial  here ) Cassandra  for most persistent data storage Kafka  for our asynchronous message queue Envoy Proxy  for RPC Kubernetes  and  Docker  to schedule and run our services ( Oliver ,our Head of Engineering, gave a great  talk  at KubeCon on how we use these technologies) AWS  for most of our infrastructure React  for internal web dashboards We also have two physical datacenter sites with actual cables to connect to various third parties  You should apply if: the work we’re doing sounds exciting! you want to be involved in building a product that you (andeveryone you know) use every day you’re keen to learn more about new technologies and the arcane inner workings of the financial industry you’re comfortable working in a team that deals with ambiguity you’re interested in distributed systems and writing resilient software you have some experience with strongly-typed languages (Go,Java, C, Scala etc.). The Lending team The Lending team works on making borrowing money simple, fair and transparent. They've already shipped and scaled overdrafts to hundreds of thousands of Monzo customers and they've made it easy to take out a loan  without  the unfair fees or confusing pricing that you find elsewhere. They work on everything from the way borrowing works in the app, right down to how they move and account for money that our customers borrow. One of the most interesting problems they face is deciding how much to lend and to whom. The team believes that they can make access to credit fairer and more transparent. Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working (as long as you can spend around 20% of your time in London).   We offer competitive salaries based on skills and experience, which could be anywhere between £40,000 - £100,000 per year.  We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re continually hiring for Backend Engineers! Our interview process typically consists of an initial phone screen, a take-home code task, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard 
Monzo London, UK
Mar 20, 2019
Full time
At Monzo  we ’re   aiming to  build   the  best current account in the world . We are always keen to hear from capable, creative engineers who want to help us accomplish that goal 🚀 Please note: we get lots of successful applications for Backend Engineer, so there could be a delay in scheduling interviews from the initial stage right up until the final interviews. If you're invited to interview and you have any immediate time pressures, please let us know, as we'll always do our best to speed things up for you  😊 Our backend engineers have a variety of different backgrounds We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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.  We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and,following  Stripe’s  example, all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to  open source software  as much as possible. We’ve also made our product roadmap  public and give sneak peeks of features in our  community forum . Our  blog  is a good place to learn even more about what we do! Monzo  works in project-based sprints in  small, interdisciplinary teams We have around 150 engineers out of roughly 750 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer.  As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.  At Monzo you will get to work with a lot of exciting new technology. We rely heavily on the following tools and technologies: Go  to write our application code (there’s an excellent interactive Go tutorial  here ) Cassandra  for most persistent data storage Kafka  for our asynchronous message queue Envoy Proxy   for RPC Kubernetes  and  Docker  to schedule and run our services ( Oliver ,our Head of Engineering, gave a great  talk  at KubeCon on how we use these technologies) AWS  for most of our infrastructure React  for internal web dashboards We also have two physical datacenter sites with actual cables to connect to various third parties  You should apply if: the work we’re doing sounds exciting! you want to be involved in building a product that you (andeveryone you know) use every day you’re keen to learn more about new technologies and the arcane inner workings of the financial industry you’re comfortable working in a team that deals with ambiguity you’re interested in distributed systems and writing resilient software you have some experience with strongly-typed languages (Go,Java, C, Scala etc.). At the moment, the following teams are looking for backend engineers:  Product The product backend team work primarily on creating backend services and APIs for our in-app user-facing features. They work closely with our mobile engineers and designers to create a delightful user experience, and to drive growth and retention. Projects that Product backend engineers have worked on recently include Summary (giving people insight into their finances to empower them to spend sensibly) and the Current Account Switch Service (all the hard work to allow users to move to Monzo quickly and easily). Lending The Lending team works on making borrowing money simple, fair and transparent. They've already shipped and scaled overdrafts to hundreds of thousands of Monzo customers and they've made it easy to take out a loan  without  the unfair fees or confusing pricing that you find elsewhere. They work on everything from the way borrowing works in the app, right down to how they move and account for money that our customers borrow. One of the most interesting problems they face is deciding how much to lend and to whom. The team believes that they can make access to credit fairer and more transparent. Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working (as long as you can spend around 20% of your time in London).   We offer competitive salaries based on skills and experience, which could be anywhere between £40,000 - £100,000 per year.  We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re continually hiring for Backend Engineers! Our interview process typically consists of an initial phone screen, a take-home code task, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard 
Monzo London
Mar 20, 2019
Full time
We’re searching for product-aware Android engineers to help us on our mission: you'll centre users in the way that you think, and have a passion for great UI and UX. You understand the need for tested, resilient code balanced against the need to move fast and iterate. We’re building a bank for and with our users. A product that’s fair, transparent and a pleasure to use. We see ourselves as something more than a typical bank: we’re setting out to solve all the problems that exist around your financial life in a coherent, meaningful and delightful way. You’ll be working on a product that is a part of day to day life for more than a million people already, and your work here will shape the way that people interact with their finances. Engineering at Monzo There are 13 Android engineers at Monzo, and we're looking to grow the discipline to 25 people over the course of the year. We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; 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. We encourage an open and transparent working environment You can get involved in any aspect of the business you are interested in and, following  Stripe’s  example, all emails in the company are visible in an email archive. We’ve also made our  product roadmap  public and give sneak peeks of features in our  community forum . Our  blog  is a good place to learn even more about what we do! Monzo works in project-based sprints in small, interdisciplinary teams We have around 100 engineers out of roughly 450 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication Our Android app At Monzo, you'll get to work with industry standard tools and technologies - and help us define what great looks like for Android engineers. Our app is almost 100% Kotlin, mostly built using MVP (Model View Presenter), though we are currently transitioning to MVVM (Model View ViewModel). We've started to use Coordinators to help use re-use screens where we can. Our app is modularised by product feature. We use RxJava heavily, Retrofit and Moshi for API calls and Dagger for dependency injection. We use Realm and Room for persistence, and Repositories for interacting with them. We use GitHub Pull Requests to do code reviews, and write unit tests for our Presenters, ViewModels and any other classes which contain logic. We Espresso for UI tests, which we run on Firebase Test Lab via CircleCI. We recently wrote about  building Monzo Chat on Android , which goes into detail on some of these elements. What you'll be doing As an Android engineer at Monzo you'll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers and QA Testers, and Business Analysts. Your mission will depend on the squad, but currently mobile engineers are working on customer growth, revenue, lending products, business banking and internal operations. We also have a small squad dedicated to enabling other mobile engineers to move faster. You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both  what we build, and  how  we build it. Every week we meet as a discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes. You'll report to an engineering manager, and we have specific managers who have a background in mobile engineering. Your manager will meet with you every 2 weeks 1:1, and their mission is to help you develop and grow as an engineer. What we're looking for We're looking for Android engineers with strong product sensibilities. You'll care about the impact your work has on our customers, and optimise for impact rather than the number of lines of code you output. You should apply if: You want to build a product that you and everyone you know uses literally every day You’re comfortable working in a team that deals with ambiguity every day Are great at explaining complicated technical concepts clearly Have an understanding of the principles of computer science Bonus points for (but not essential): Familiarity with iOS engineering, or other programming languages Contributing to open source projects Compensation Our salary range for the role is £50,000 - £100,000 per annum depending on experience, plus stock options. Logistics Our main office is near Moorgate in London, though you have the opportunity to work remotely as long as you can spend around 20% of your time in London. We can help you relocate to London and we can sponsor visas. Our interview process consists of an initial phone screen, a take-home code test with a call to review your solution, and a half-day on-site interview. The on-site consists of three rounds: Android technical You'll meet 2 other Android engineers. Together we'll go over some technical challenges we've faced as a company. We'll ask you to come up with designs to solve these problems. General technical You'll meet 2 engineers (not always Android engineers). We'll go through some technical problems you've solved in the past, and we'll go through some general engineering problems together. We're not testing your knowledge, but how you respond to problems you haven't solved before. Product and design You'll meet a product manager and designer, who will go through your code test with you, and talk about how you work with designers, product managers and other stakeholders on projects. At each stage you'll have an opportunity to ask us questions about what life is like at Monzo. We won't ask you to write code on a whiteboard during your interview.
Monzo London, UK
Feb 20, 2019
Full time
VP Credit Risk at Monzo  (View all jobs) Here at Monzo we’re at a tipping point: We’re now the fastest growing bank in the UK (in # of new users, as well as % terms) - adding over 100k new users each month. We’re rated by Which as the  best bank in the UK In the last few months we’ve reached break-even unit economics (every additional user adds additional profitability, albeit we still have ~£30m of fixed costs we have to cover) We just finished raising an additional £105m of capital (at a £1Bn pre-money valuation). At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and we execute quickly. We’re looking to revolutionise the way consumers manage their finances by putting them in control and promoting their financial wellbeing. As part of that effort we are developing lending products that genuinely feel good and are looking for highly intelligent and creative individuals to help us on our journey. The Role At Monzo we are split teams into highly autonomous multi-functional ‘squads’ - each empowered and equipped to tackle a specific problem for our users. As Director/VP of Credit Risk you would oversee development of the logic and the systems associated with working out who we lend to and how much we lend, and then how we collect that money back. You would be responsible for: All underwriting (including redecisioning) along with any decision science work needed to build and deploy decisioning models and logic. Credit limit assignment activity and credit limit increase/credit limit decrease programs Setting and monitoring the credit risk control framework (e.g. early warning indicators, risk appetite etc.). Provisioning, write offs and management of our P&L credit loss line Ensuring we lend in a compliant and consumer centric way Ultimately you would be responsible for ensuring that we understand and manage the credit risk we’re taking, and that we do so in a way which continues to support our rapid growth ambitions. Achieving this control vs growth balance is likely to require substantial first principles thinking and challenging existing ways of doing things. Additionally you would manage all of the Decision Scientists and Credit/data analysts within the Lending team. You would create hiring plans, establish progression frameworks for development to ensure that we are hiring and retaining world-class analysts at the right rate to match our growth plans. You would oversee the quality of the analysts work, ensure the analysts in the various squads are adopting best practices and sharing knowledge effectively - and would ultimately be responsible for the quality and speed of all analytical output within Lending. The Candidate We’d love you to apply if you have a deep understanding of managing consumer credit risk. You should understand all aspects of the credit lifecycle from decision science and underwriting through portfolio management, including collections and provisioning and all of the regulations that apply. You should understand and have developed decision systems, have a great knowledge of credit reference agency products and data (including reporting back) and should have experience of setting and reporting against credit control frameworks including building and operating IFRS9 compliant provisioning models. Experience of doing the above on personal current accounts, unsecured personal loans and credit cards is preferred. You should be comfortable using data and analytics to optimise across all of these stages. In particular, you should have experience of the following within a consumer lending environment: Credit underwriting, Collections strategy design and management, Decision system management and development, Data Science (regression modelling and machine learning), Portfolio optimisation, including redecisioning and credit limit strategy management, Credit reference agency data and products (including reporting back and negotiating commercials) Provisioning including IFRS9, Customer Lifetime Value (CLV) modelling/Net Present Value (NPV) modelling/unit economics, Capital allocation and P&L income and losses modelling and stress testing, A/B test design and statistical significance You’d be a good fit for the role if you’re comfortable working in a highly collaborative environment where ideas can come from all team members as well as balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes). The team operates in a highly agile manner, so it’s important that you’re able to identify and focus on what is necessary for the next milestone (rather than the perfect solution). Whilst you may not have been analytically ‘hands on’ over the last couple of years you should come from an analytical background and be comfortable ‘getting your hands dirty’ with pulling your own data and doing your own analytics where necessary. You'll spend your time: Working with the team to enhance our decisioning logic and systems Monitoring and communicating the level of credit risk we’re taking Communicating insights relating to our lending portfolio and gaining buy-in to strategy changes from stakeholders across the business, at all levels up to and including board level Liaising with colleagues from across the business to support them in achieving their goals (and get their support in achieving yours!) Hiring, managing, coaching and developing analysts within the Lending team Ensuring we build our products in a compliant and customer-centric way You should apply if: You’re a real expert in consumer credit risk management and understand the detail behind how to optimise all of the various components that make lending products profitable You have a solid understanding of how lending products work to generate profit including experience of building and using tools like Customer Lifetime Value and/or Net Present Value modelling and how income and losses are recognised on the P&L. You have a deep understanding for credit risk measurement and control frameworks and are able to set these up from scratch using first principle thinking You’re self-motivated, highly organised and focussed on impact You’re comfortable with ambiguity and can think from first principles You’re happy taking an MVP approach and doing what’s good enough for now You have strong analytical skills (previous experience of SQL is a must, R, Python, SAS, VBA and similar are a plus) You’re excited about the future of banking and want to work with us to shape it You’re able to build strong, mutually respectful relationships with diverse teams Logistics The application process consists of a short phone interview, followed by a practical written exercise with a follow up call, and a couple of on-site interviews at our office in London.  We'll kick off reviewing applications for this role in early-mid January We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can – whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. Competitive salary plus  stock options  and other benefits.
Monzo London, UK
Feb 20, 2019
Full time
At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and execute quickly. We’re looking to revolutionise the way consumers manage their finances by putting them in control and promoting their financial wellbeing. We are developing lending products that genuinely feel good and are looking for highly intelligent and creative individuals to help us on our journey. You should apply if: You have a solid understanding of lending product economics including an appreciation of all aspects of the customer lifecycle from acquisition, underwriting, account management right through to collections and recoveries You have a reasonable understanding of the regulations that apply to lending product development You have a solid understanding of how lending products work to generate profit including experience of building and using tools like Customer Lifetime Value and/or Net Present Value modelling and how income and losses are recognised on the P&L You have strong analytical skills: SQL is a must, R, Python, VBA and similar are a plus You can work in an extremely fast-paced startup environment You are motivated by impact You are keen to learn You are a good communicator who’s able to articulate complex information You are able to build strong, mutually respectful relationships with diverse teams You are extremely self-motivated and can work autonomously You’re comfortable with ambiguity and can think from first principles You’re happy taking an MVP approach and doing what’s good enough for now You'll spend your time: Guiding and enabling product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do Applying your expertise in quantitative analysis, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our products and how those insights can inform our product strategy Liaising with engineers to keep making sure we collect the right data to produce relevant product insights Providing insight into various lending markets using quantitative data available and evaluating profitability dynamics within each of the markets to help us decide which products and features to build Assessing how the lending portfolio of particular products will perform over time Ensuring all reporting is in place to allow us to manage our lending portfolio (e.g. credit control reporting, provisioning, monitoring our compliance to Risk Appetite etc.) Ensuring any changes in KPIs are well understood and explained to stakeholders Ensuring we operate in a well governed, compliant and customer-centric way Facilitating data-driven decision making whenever possible Logistics The application process consists of a short phone interview, followed by a practical written exercise and then on-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can – whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. Competitive salary plus  stock options  and other benefits.
Monzo London, UK
Feb 20, 2019
Full time
We’re looking for a practical, collaborative and experienced Assistant Company Secretary to support our board and Company Secretary. This is an opportunity to help establish and develop new systems and processes and work closely with the legal and governance teams to make sure we are fully compliant. You’ll spend your time: Helping to organise our board and committee meetings by creating board and committee agendas, collating and distributing papers on time and minute taking! Working with the Company Secretary and the Finance team with Monzo’s annual reports and accounts. Keeping up to date with legal developments and sharing this internally. Onboarding new directors and board members for Monzo. Helping Monzo comply with any corporate governance obligations under the FRC Corporate Governance Code and Guide to Board Effectiveness, the PRA and the FCA rule book. Looking after our filings and returns on Companies House. Dealing with requests from our shareholders/investors. Turning your hand to all aspects of board administration and board diary management. And much more! You should apply if: You love all things governance and have started to study for your ICSA qualification or are part qualified. You’re great at communication with people from all different backgrounds and you can build relationships really easily. You’re the first person to put your hand up and solve a problem. You’re a stickler for detail. You have great organisational skills. At Monzo, we believe there’s a better way to do banking We really care about providing a phenomenal experience for our customers, and we want to be the best possible bank without getting stuck in the old ways of doing things, or trying to duplicate how governance advice is given or how Company Secretarial teams are structured as seen in other organisations. We’re at the start of our journey to serve a billion customers We’ve made some good progress so far! We now have more than 600 staff, over a million lovely customers and a full UK banking licence. We have a current account and overdraft, and lots more planned.   Logistics The application process consists of a short phone interview with a recruiter, followed by a longer technical call with the hiring manager and a couple of on-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to make sure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. Competitive salary (taking into account experience and any specialism) plus  stock options  and lots of  other benefits .
Monzo London, UK
Feb 20, 2019
Full time
We’re on the lookout for empathetic design-thinkers to help us deliver the best banking experience possible. The team is growing fast with no sign of slowing down, so we're hiring for multiple roles.  We’re building a bank for and with our users. A product that’s fair, transparent and a pleasure to use. As we pave the way for the future of banking, we need a deeper understanding the problems we want to solve and how we solve them. That’s where you come in. You’ll be working on a product that is a part of day to day life for more than a million people already, and your work here will shape the way that people interact with their finances. This post  Samantha wrote a while back gives a good idea of some of the research initiatives that are happening at Monzo. We work closely with Product Managers and Product Designers to generate insight to fuel ideas and then evaluate design solutions.  We’re quick to adopt better tools and processes, so you’ll be more than welcome to contribute all the good practices you’ve used before. You should apply if: You’ve got lots of hands-on experience with exploratory and evaluative qualitative research methods, appreciating their limitations and when to apply them appropriately. You can independently run research projects, from planning, scoping, running the sessions, analysing and creating deliverables.  You can run user testing with your eyes closed, regardless of the setting. You should be comfortable in a lab as well as stopping people in the street for quick feedback or setting up remote tests.  You're happy user testing on mobile. We’re a mobile-only bank, so if you’ve got experience with both iOS and Android we’ll love you even more. You appreciate robust research study design, but can also consider practical constraints and business goals – you understand what 'just enough research' means.  You’re familiar with quantitative research and understand metrics. You’re a strong communicator and facilitator. You’re able to tell a story so your audience will want to listen to and zoom into detail when needed to help solutions come to life. You are flexible in your approach and embrace a challenge; you might need to come up with new ways of answering research questions quickly and communicating the results in a memorable, impactful way. You value collaboration and are at your best when you’re part of a team. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics.
Monzo London, UK
Feb 20, 2019
Full time
We’re on the lookout for seasoned, empathetic design-thinkers with loads of experience in digital product design to help us deliver the best banking experience possible. The company is growing fast with no sign of slowing down, so we're continuously hiring.  We’re building a bank for and with our users. A product that’s fair, transparent and a pleasure to use. As we pave the way for the future of banking, we need a deeper understanding the problems we want to solve and how we solve them. That’s where you come in. You’ll be working on a product that is a part of day to day life for more than a million people already, and your work here will shape the way that people interact with their finances. We don't expect you to line-manage User Researchers but you'll be an ally and mentor to others across the company – User Researchers, Product Designers, Product Managers and Engineers – who will learn from your direction and experiences. This post  Samantha wrote a while back gives a good idea of some of the research initiatives that are happening at Monzo. We work in multidisciplinary delivery teams to generate insight to fuel ideas and then evaluate design solutions.  We’re quick to adopt better tools and processes, so you’ll be more than welcome to contribute all the good practices you’ve used before. You should apply if: You’ve got lots of hands-on experience with exploratory and evaluative qualitative research methods, appreciating their limitations and when to apply them appropriately. You can independently run research projects, from planning, scoping, running the sessions, analysing and creating deliverables.  You can run user testing with your eyes closed, regardless of the setting. You should be comfortable in a lab as well as stopping people in the street for quick feedback or setting up remote tests.  You're happy user testing on mobile. We’re a mobile-only bank, so if you’ve got experience with both iOS and Android we’ll love you even more. You appreciate robust research study design, but can also consider practical constraints and business goals – you understand what 'just enough research' means.  You’re familiar with quantitative research and understand metrics. You’re a strong communicator and facilitator. You’re able to tell a story so your audience will want to listen to and zoom into detail when needed to help solutions come to life. You are flexible in your approach and embrace a challenge; you might need to come up with new ways of answering research questions quickly and communicating the results in a memorable, impactful way. You value collaboration and are at your best when you’re part of a team. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics.