---
title: 'Lead Analytics Engineer, Borrowing at Referrals Only'
canonical: 'https://feeny.ai/job/lead-analytics-engineer-borrowing-referrals-only-cardiff-london-or-emnq8zdzbsy5'
type: 'job'
last_seen: '2026-09-07'
---

# Lead Analytics Engineer, Borrowing at Referrals Only

- **Company:** Referrals Only
- **Location:** Cardiff London OR, United Kingdom
- **Work type:** remote
- **Posted:** 2026-05-01
- **Last confirmed live:** 2026-09-07
- **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/7874000

## Job description

📍London, Cardiff or Remote in the UK | 💰 £97,800 -125,000 + [Benefits](https://monzo.com/careers/) |[Hear from the team](https://www.youtube.com/watch?v=U62l09nB0M4) ✨

⭐Our Borrowing Analytics Engineering Team:

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them to achieve something in their lives - whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely.

We're looking for a Lead Analytics Engineer within our borrowing team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms, identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new global markets, build new products and shape the future of how we serve our customers.

We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business.

🔑You’ll play a key role by...

- Serving as a data architect for Monzo’s Borrowing data, contributing to the design and scalability of data models that measure the performance of our product suite.
- Develop robust data models downstream of backend services, primarily in BigQuery, to support internal reporting, machine learning, large language models, as well as financial and regulatory use cases.
- Be a key voice in shaping and maintaining best practices for our Data Warehouse, including source data payload design, logical data modelling, implementation, metadata, and testing standards.
- Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
- Contribute to prioritising data governance issues, ensuring a comprehensive approach to data integrity and compliance.
- Being a key technical leader who’s able to champion central platform initiatives that aim to elevate the data standards across Borrowing  and beyond.

🤩We’d love to hear from you :

- You have a strong passion for data modelling, ETL projects, and Big Data.
- You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
- SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
- You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
- You have experience building robust and reliable data sets that require a high level of control.
- You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
- You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
- You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
- You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
- You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
- You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Borrowing and Analytics Engineering.
- Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

The interview process:

Our interview process involves 4 main stages:

- Recruiter call
- Initial call
- Technical task
- 3 x 1 hours sessions (final interview)

Our average process takes around 3-4 weeks but we will always work around your availability.

What’s in it for you:

💰 £97,800-£125,000 base + [Benefits](https://monzo.com/careers/)

✈️ We can help you relocate to the UK

✅ We can sponsor visas

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

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚 Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits[here](https://monzo.com/careers/)

#LI-AS #LI-Remote

## About Referrals Only

## Company Overview
- **One-liner**: Marqeta is the world’s first modern card issuing platform, providing open APIs that enable businesses to create, manage, and scale customized payment card programs.
- **Entity Type**: Public (Ticker: MQ on NASDAQ)
- **Headquarters**: Oakland, California, USA
- **Founded**: 2010
- **Founders**: Jason Gardner (Founder & Executive Chairman)

## Core Business
- **Primary industry**: Financial Technology (Fintech) — Modern Card Issuing & Payment Solutions
- **Target customers**: B2B; serves a wide range of industries including digital banking, on-demand delivery, buy now, pay later, expense management, retail, and workforce payments. Customers include Square, DoorDash, and other high-growth fintech and enterprise companies.
- **Mission or purpose statement**: To simplify payments and enable any company to deliver delightful payment experiences natively, powering more flexible, engaging, and innovative payment products.

## Products & Services
- **Modern Card Issuing Platform (SaaS/API)**: Fully open API platform that allows developers to launch new credit and debit card programs with speed, flexibility, and scale. Supports instant wage access, embedded finance, and custom card products.
- **Compliance & Risk Management (Service)**: Integrated fraud detection, spend control, and compliance tools to ensure high levels of security and uptime.
- **Global Expansion Capabilities (Platform)**: Certified to operate in over 40 countries across the US, Europe, and Asia, enabling businesses to scale globally.

## Market Standing
- **Valuation/Market Cap**: As a public company, market cap fluctuates. As of mid-2026, Marqeta is a publicly traded company valued in the multi-billion dollar range (exact figure varies with market conditions).
- **Key Metric**: Annual Revenue — $383 billion+ in total volume processed in 2025; 80x volume growth since 2017; 99.99% platform uptime in 2025.
- **Notable Investors/Partners**: Key customers include Square (Block), DoorDash, and other leading fintech and enterprise firms. Partners include issuing banks, networks (e.g., Visa, Mastercard), and card fulfillment providers.
- **Growth Signals**: Recognized as a CNBC Disruptor (top 50 in 2021 award); consistent expansion into new geographies (EU, UK, Asia); continued hiring across multiple departments and regions (US, Canada, UK).

## Competitive Advantages
- **First-mover & category leader**: Marqeta defined the modern card issuing category with its open API platform, giving it a decade-plus head start over competitors.
- **Scalability & reliability**: Proven track record of 99.99% uptime and handling massive transaction volumes (80x growth since 2017) — critical for enterprise customers.
- **Deep integration with major networks**: Pre-existing relationships with Visa, Mastercard, and issuing banks shorten time-to-market for customers.
- **Developer-first approach**: Open APIs and developer tools make it easy for engineering teams to build custom payment experiences quickly.

## Strategic Focus
- **Global expansion**: Continuing to expand its certified operations into new countries (currently 40+) to serve multinational customers.
- **Embedded finance & new use cases**: Driving adoption in instant wage access, embedded finance, and enterprise expense management.
- **AI & automation**: Investing in AI-powered fraud detection, risk management, and product automation (e.g., hiring for Principal Security Engineer, Product & AI; Lead Product Manager, Enterprise AI & Automation).
- **Platform stability & security**: Maintaining industry-leading uptime and security compliance as core differentiators.

## Why Work Here
- **Culture & values**: Marqeta emphasizes a culture of “Simplify and Innovate,” “Solve for the Customer,” “Do What’s Right,” “Make it Count,” and “Win as a Team.” Employee Resource Groups (ERGs) include BlackCard, HOLA, RepresentAsian, Desi, MQ-Proud, Vets@MQ, Women’s Group, Parents’ Group, and Marqetaglots.
- **Remote/hybrid policy**: Many roles are remote (US, Canada, UK), with some positions based in Oakland, CA or London, UK. The company supports flexible work arrangements.
- **Notable perks & engineering culture**: Fast-paced, purpose-driven environment; strong focus on developer experience and open APIs; opportunities to work on cutting-edge payment infrastructure at massive scale. The company invests heavily in early career talent and internal mobility.
- **Award-winning workplace**: Recognized as a top workplace (e.g., CNBC Disruptor) and offers a collaborative, inclusive environment.

## Sources
1. [Marqeta About Us](https://www.marqeta.com/company/about-us)
2. [Marqeta Careers Page](https://www.marqeta.com/company/careers)
3. [Marqeta Homepage](https://www.marqeta.com/)
4. [Greenhouse Job Board](http://job-boards.greenhouse.io/marqeta)
5. [MQ Referrals Job Board](https://job-boards.greenhouse.io/mqreferrals/jobs/7743043)

## Other roles at Referrals Only

- [Product Manager, Subscriptions](https://feeny.ai/job/product-manager-subscriptions-referrals-only-barcelona-0jkx6zdsjnj7) — Barcelona, Spain
- [Fraud Investigator, Overnight Team](https://feeny.ai/job/fraud-investigator-overnight-team-referrals-only-united-kingdom-weayv59k72r1) — United Kingdom
- [Lead Market Researcher](https://feeny.ai/job/lead-market-researcher-referrals-only-cardiff-london-or-83qyn2ncq2qk) — Cardiff London OR, United Kingdom
- [Chief of Staff, Group CFO](https://feeny.ai/job/chief-of-staff-group-cfo-referrals-only-london-fg8xem42f7fh) — London, United Kingdom
- [Senior Product Manager - Growth](https://feeny.ai/job/senior-product-manager-growth-referrals-only-london-x8w3pax4qj7r) — London, United Kingdom
- [Director of Product Design](https://feeny.ai/job/director-of-product-design-referrals-only-cardiff-london-or-8ca0hy3vyc09) — Cardiff London OR, United Kingdom
- [Staff Backend Engineer](https://feeny.ai/job/staff-backend-engineer-referrals-only-cardiff-london-or-6w1n8z0gktm9) — Cardiff London OR, United Kingdom
- [Senior Backend Engineer](https://feeny.ai/job/senior-backend-engineer-referrals-only-cardiff-london-or-0weyav3xnjw9) — Cardiff London OR, United Kingdom
- [Backend Engineer III](https://feeny.ai/job/backend-engineer-iii-referrals-only-cardiff-london-or-awnc2afx215n) — Cardiff London OR, United Kingdom
- [Android Engineer](https://feeny.ai/job/android-engineer-referrals-only-cardiff-london-or-zgy3wbdg3pyh) — Cardiff London OR, United Kingdom