Company brief · updated 2026-10-18
monzo.com · software industry · Your salary sorted into Pots. Your spare change turned into savings. Your money, doing what it should with Monzo.
Today: Now more than 16 million personal and business customers trust Monzo with their banking.
Roles: Data Director, EU · Engineering Director, EU · Head of Credit Risk Oversight · Senior Fraud Operations Manager · Senior Risk & Compliance Officer (Madrid) · Senior Risk & Compliance Officer (Barcelona)
Requirements mention: Monzo is building a bank for Europe, and lending sits at the heart of that plan · building Monzo's presence across Europe from the ground up · Implementing Monzo's Risk Management Framework in Spain · Payment Services compliance
Inference: Monzo is hiring EU data and engineering leadership in roles based in the UK or remote (the Data role also in Barcelona), alongside local risk, credit and operations roles in Dublin, Barcelona and Madrid.
Today: Get a credit card with Monzo magic.
Roles: Credit Risk Manager · Senior Credit Risk Manager, Credit Platform · Credit Risk Manager, Portfolio Management · Senior Machine Learning Manager, Borrowing · Credit Risk Oversight Manager · Credit Model Validation Manager (Machine Learning & NPV Models)
Requirements mention: lending economics · credit valuation infrastructure · NPV modelling framework · as the Borrowing business grows in Ireland and launches across the EU
Inference: the credit and decisioning roles point to launching lending products in EU markets on a shared credit platform, which the postings describe as serving 'products and markets'.
Today: Security you can bank on
Roles: Lead Machine Learning Scientist, FinCrime · Data Science Manager, Financial Crime · Senior FinCrime Operations Manager · Senior Fraud Operations Manager · Team Manager, Financial Crime, EU (Spanish Speaking) · Senior Financial Crime Investigator - EU, Spanish & English
Requirements mention: building technology at the heart of screening, onboarding and transaction monitoring mitigation strategies for Monzo's EU expansion · AML/CTF · real time Machine Learning models · Fluent in Spanish
Inference: alongside UK-wide fraud and transaction-monitoring ML work, Monzo is setting up EU screening and monitoring operations in Dublin. It is also hiring a Spanish-speaking team manager and investigator, both based in the UK.
Today: Business bank accounts; the site cites more than 16 million personal and business customers.
Roles: Sales Account Executive · Senior Product Marketing Manager, Business Banking · Lead Machine Learning Scientist, Business Banking · Senior Product Director, Business Banking · Senior Technical Program Manager
Requirements mention: Small Business sales · go-to-market strategy · launch strategy · Business Banking features, services and integrations that help build Monzo into the financial control centre for SMEs
Inference: the business banking roles point to a go-to-market push for small businesses. The London Sales Account Executive role focuses on UK small and medium business acquisition, and product marketing covers new markets.
Today: Current accounts and cards used for everyday and travel spending ('The bank made for travel').
Roles: Data Director, Payments · Lead Product Manager, Payments · Director of Product Design · Senior Legal Counsel, Digital Assets and Payments
Requirements mention: modernises its payments infrastructure and scales into new markets · ledgers · reconciliation · digital assets and emerging payment technologies
Inference: Monzo is rebuilding payments and ledger infrastructure to support more markets. The legal role shows digital assets are on the agenda, but no product is named.
Today: App-based banking with 24/7 support
Roles: Lead Machine Learning Scientist, Customer Operations · Staff Technical Program Manager, Operations · Model Validation Senior Manager · Lead Machine Learning Scientist, Search
Requirements mention: LLMs · RAG · human-in-the-loop system that augments automation with the efforts of our support workforce · AI-powered customer support · Generative AI evaluation frameworks · personalised ranking algorithms
Inference: the clearest generative AI work is in customer operations, covering LLM and RAG-based routing and AI-powered support. Second-line validation covers generative AI built in Operations squads. Search for the Monzo Co-pilot is described in terms of ranking and embeddings rather than LLMs.
| Department | Open |
|---|---|
| Engineering | 16 |
| Data | 14 |
| Finance | 10 |
| Risk & Compliance | 7 |
| Marketing & Community | 6 |
| Product | 5 |
| Customer Operations | 4 |
| Operations | 4 |
| Borrowing | 3 |
| Design | 2 |
| Special Projects | 1 |
Of 71 open roles, Engineering (16) and Data (14) lead, but 11 of the 16 Engineering roles were opened in 2023–2025 and look like long-running hiring; recent openings lean towards Data, Risk & Compliance (7), Finance (8, covering tax, controls and regulatory reporting), Borrowing and EU roles, with Borrowing, Customer Operations, Marketing & Community, Design and Operations at 4 each.
Seniority: Senior (26), manager (20), staff (10) and director (7) roles dominate; only 3 mid-level and 2 intern roles are listed.
Skills named most: SQL (22), Python (18), Looker (17), AWS (11), Go (10), React (10), Cassandra (9), Kafka (9), Kubernetes (9), Docker (9), self-serve analytics (7), Envoy Proxy (7)
Locations: 35 roles are listed as Cardiff, London or Remote (UK), 15 as London, 7 as Barcelona, 6 as Dublin and 1 as Madrid; 42 roles are marked remote.
If you're applying: Check each posting's location before applying: many roles say Cardiff, London or Remote (UK), and remote roles are tied to the UK. Engineering postings opened in 2023–2025 are long-running, so newer Data, credit, risk and EU roles may move faster. Match your Spanish fluency, lending or financial crime experience to the specific hard requirements listed.
If you're selling or recruiting: 21 roles opened in the last 30 days, against 12 in the prior 30, and 6 closed. Focus on the EU risk, credit and operations roles in Dublin, Barcelona and Madrid, the Payments leadership roles, Finance (8 roles across tax, controls and regulatory reporting), and the London Sales Account Executive and business banking roles for UK small business acquisition.
| Title | Department | Location | Posted |
|---|---|---|---|
| Lead Product Manager, Growth | Product | London | 2026-10-23 |
| Product Manager, Finance | Product | London | 2026-10-23 |
| Senior Product Manager, Web Growth | Product | London | 2026-10-23 |
| Vulnerable Customer Advisor | Customer Operations | Remote (UK) (remote) | 2026-10-22 |
| Senior Writer, Borrowing | Marketing & Community | Cardiff, London or Remote (UK) (remote) | 2026-10-22 |
| Prudential Risk Manager | Risk & Compliance | Cardiff, London or Remote (UK) (remote) | 2026-10-21 |
| Strategy & Commercial Manager | Special Projects | Madrid | 2026-10-21 |
| Senior PR and Communications Manager (12 month fixed-term contract) | Marketing & Community | Cardiff, London or Remote (UK) (remote) | 2026-10-19 |
| Senior Growth Marketing Executive, Business Banking EU | Marketing & Community | Cardiff, London or Remote (UK) (remote) | 2026-10-19 |
| Model Validation Senior Manager | Risk & Compliance | Cardiff, London or Remote (UK) (remote) | 2026-10-16 |
| Sales Account Executive | Operations | London | 2026-10-15 |
| Team Manager, Financial Crime, EU (Spanish Speaking) | Customer Operations | Cardiff, London or Remote (UK) (remote) | 2026-10-13 |
| Credit Risk Manager | Borrowing | Dublin | 2026-10-08 |
| Senior Service Analyst, Workforce Management | Customer Operations | Cardiff, London or Remote (UK) (remote) | 2026-10-07 |
| Data Director, EU | Data | Barcelona; Cardiff, London or Remote (UK) (remote) | 2026-10-07 |
| Regulatory Reporting Analyst | Finance | London | 2026-10-06 |
| Controls Product Senior Manager | Operations | London; Remote (UK) (remote) | 2026-10-02 |
| Staff Data Scientist | Data | Barcelona; Cardiff, London or Remote (UK); London (remote) | 2026-09-30 |
| Credit Risk Oversight Manager | Risk & Compliance | Cardiff, London or Remote (UK) (remote) | 2026-09-28 |
| Associate Data Scientist - Intern | Data | London | 2026-09-28 |
| Associate Software Engineer - Intern | Engineering | London | 2026-09-28 |
| Senior Fraud Operations Manager | Operations | Dublin | 2026-09-23 |
| Senior FinCrime Operations Manager | Operations | Dublin | 2026-09-23 |
| Transfer Pricing Tax Manager | Finance | London | 2026-09-22 |
| Staff Technical Program Manager, Operations | Engineering | London | 2026-09-22 |
| Senior Financial Crime Investigator - EU, Spanish & English | Customer Operations | Remote (UK) (remote) | 2026-09-17 |
| Operational Tax, Senior Manager | Finance | Cardiff, London or Remote (UK) (remote) | 2026-09-15 |
| Technology and Operational Risk Senior Manager | Risk & Compliance | Dublin | 2026-09-02 |
| Senior Internal Controls Manager | Finance | Dublin | 2026-09-01 |
| Senior Financial Control Analyst | Finance | London | 2026-08-26 |
| Anaplan Support Analyst | Finance | Cardiff, London or Remote (UK) (remote) | 2026-08-24 |
| Data Director, Payments | Data | Cardiff, London or Remote (UK) (remote) | 2026-08-21 |
| Senior Finance Business Partner | Finance | London | 2026-08-17 |
| Senior Product Marketing Manager, Business Banking | Marketing & Community | Cardiff, London or Remote (UK) (remote) | 2026-08-12 |
| Lead Machine Learning Scientist, Business Banking | Data | Cardiff, London or Remote (UK) (remote) | 2026-08-11 |
| Finance Analyst | Finance | London | 2026-08-04 |
| Lead Machine Learning Scientist, Customer Operations | Data | Cardiff, London or Remote (UK) (remote) | 2026-08-03 |
| Senior Risk & Compliance Officer | Risk & Compliance | Madrid | 2026-07-31 |
| Senior Risk & Compliance Officer | Risk & Compliance | Barcelona | 2026-07-31 |
| Senior Financial Reporting Analyst | Finance | London | 2026-07-31 |
| Senior Credit Risk Manager, Credit Platform | Borrowing | London; Remote (UK) (remote) | 2026-07-30 |
| Senior Technical Program Manager | Engineering | London | 2026-07-24 |
| Senior Data Scientist | Data | Barcelona | 2026-07-17 |
| Lead Machine Learning Scientist, FinCrime | Data | Cardiff, London or Remote (UK) (remote) | 2026-07-08 |
| Lead Machine Learning Scientist, Search | Data | Cardiff, London or Remote (UK) (remote) | 2026-07-08 |
| Engineering Director, EU | Engineering | Barcelona; Cardiff, London or Remote (UK) (remote) | 2026-06-24 |
| Senior Machine Learning Manager, Borrowing | Borrowing | Cardiff, London or Remote (UK) (remote) | 2026-06-24 |
| Staff Analytics Engineer | Data | Cardiff, London or Remote (UK) (remote) | 2026-06-24 |
| Credit Model Validation Manager (Machine Learning & NPV Models) | Risk & Compliance | Cardiff, London or Remote (UK) (remote) | 2026-06-23 |
| Product Marketing Lead | Marketing & Community | Cardiff, London or Remote (UK) (remote) | 2026-05-29 |
| Director of Product Design | Design | Cardiff, London or Remote (UK) (remote) | 2026-05-27 |
| Finance Forecasting Modeller | Finance | UK | 2026-05-08 |
| Senior Product Marketing Manager | Marketing & Community | Cardiff, London or Remote (UK) (remote) | 2026-04-29 |
| Product Director, Flex (Borrowing) | Product | London | 2026-04-02 |
| Senior Product Director, Business Banking | Product | London | 2026-03-18 |
| Android Engineer | Engineering | Barcelona | 2025-10-21 |
| Data Science Manager | Data | Cardiff, London or Remote (UK) (remote) | 2025-08-26 |
| Engineering Manager | Engineering | Barcelona | 2025-07-31 |
| Lead Product Designer | Design | Cardiff, London or Remote (UK) (remote) | 2025-04-04 |
| Software Engineer III | Engineering | Barcelona | 2025-04-04 |
| Senior iOS Engineer | Engineering | Barcelona | 2025-03-06 |
| Staff Backend Engineer | Engineering | Barcelona | 2025-02-25 |
| Senior Software Engineer | Engineering | Barcelona | 2025-02-25 |
| Backend Engineer III | Engineering | Cardiff, London or Remote (UK) (remote) | 2025-02-17 |
| Senior Backend Engineer | Engineering | Cardiff, London or Remote (UK) (remote) | 2025-02-14 |
| Staff Backend Engineer | Engineering | Cardiff, London or Remote (UK) (remote) | 2025-02-14 |
| Senior Engineering Manager | Engineering | Cardiff, London or Remote (UK) (remote) | 2024-11-15 |
| Lead Data Scientist | Data | Cardiff, London or Remote (UK) (remote) | 2024-11-04 |
| Senior Data Scientist | Data | Cardiff, London or Remote (UK) (remote) | 2024-08-15 |
| Senior Staff Backend Engineer | Engineering | Cardiff, London or Remote (UK) (remote) | 2024-06-12 |
| Data Science Manager, Financial Crime | Data | Cardiff, London or Remote (UK) (remote) | 2024-02-29 |
| Engineering Manager | Engineering | Cardiff, London or Remote (UK) (remote) | 2023-04-28 |