--- title: 'Senior Data Scientist at Referrals Only' canonical: 'https://feeny.ai/job/senior-data-scientist-referrals-only-cardiff-london-or-0kc4ker4rkr4' type: 'job' last_seen: '2026-09-07' --- # Senior Data Scientist at Referrals Only - **Company:** Referrals Only - **Location:** Cardiff London OR, United Kingdom - **Work type:** remote - **Posted:** 2026-04-28 - **Last confirmed live:** 2026-09-07 - **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/7861424 ## Job description 📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance +[Benefits](https://monzo.com/careers/#benefits) | [Hear from the team](https://www.youtube.com/watch?v=U62l09nB0M4) About our Data Science Team: We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 and help us to build a bank that customers truly love. At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 11 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. Enable Monzo to Make Better Decisions, Faster 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. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data scientists the head space to focus on more impactful business questions and analyses. ## How we hire We are excited to be expanding and are hiring for multiple roles across our Data Science teams! Whether your interests lie in Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. While we allocate teams after the interview process, we aim to match your skills and aspirations with the most suitable role. Throughout the process, you will meet team members from across our Data Science collectives, who will guide you through the opportunities available. Join us and be part of shaping our future! ## What you’ll be working on We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc. ## Your day-to-day - 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 - Guide and enable product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do - Drive together with the finance team a unified company-wide understanding of the lifetime value of our users and how different product features are impacting user profitability - Liaise with engineers to keep making sure we collect the right data to produce relevant business insights You should apply if: What we’re doing here at Monzo excites you! - You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well - You're commercially minded and can put numbers into business perspective - You’re as comfortable getting hands-on as taking a step back and thinking strategically - You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so - You're a team player whom your colleagues can rely on - You have solid grounding in SQL and preferably Python - You have experience in conducting large scale A/B experiments The Interview Process: Our interview process involves three main stages: - Recruiter Call - Initial Call - Technical Interview - Final Interview including a case study and collaboration interview Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process. What’s in it for you: 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits ✈️ 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/) If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance. #LI-NB2 #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