---
title: 'Senior Staff Backend Engineer at Monzo'
canonical: 'https://feeny.ai/job/senior-staff-backend-engineer-monzo-cardiff-london-or-azfepjhxcpmv'
type: 'job'
last_seen: '2026-09-16'
---

# Senior Staff Backend Engineer at Monzo

- **Company:** Monzo
- **Location:** Cardiff London OR, United Kingdom
- **Work type:** remote
- **Posted:** 2024-06-12
- **Last confirmed live:** 2026-09-16
- **Apply:** https://job-boards.greenhouse.io/monzo/jobs/6036797

## Job description

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as [personal](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments)and [combine their pensions](https://monzo.com/pensions) with us.

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London / UK Remote | 💰 £155,000 - £200,000 + Equity | [Benefits](https://monzo.com/careers/) | [Technology](https://monzo.com/blog/technology)

Senior Staff Engineer: L70 on our [Engineering Progression Framework](https://monzo.com/documents/engineering-progression-framework-v4-1.pdf)

About our Engineering Teams:

We have around 650 engineers out of roughly 5,500 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.

We contribute to[open source software](https://github.com/monzo) as much as possible. Our[blog](https://monzo.com/blog/technology) is a good place to learn even more about what we do.

Senior Staff Engineer Responsibilities:

A Senior Staff Engineer at Monzo is a hands on engineering leadership (IC) position. As a Senior Staff Engineer you’ll:

- Partner with Engineering Directors to shape the technical and product direction of a collective, providing leadership across multiple squads (30–70+ engineers) and ensuring alignment with company-wide priorities.
- Be hands on in both coding and architecture, leading from the front.
- Partner closely with Product and Design leadership to define strategy, shape roadmaps, and make high-quality trade-offs that maximise business and customer impact across the collective.
- Mobilise teams across your collective around high-impact problems, creating clarity, alignment and momentum, injecting urgency when needed, or slowing things down to ensure safety and long-term sustainability.
- Lead and influence architectural direction for the most complex systems, ensuring cohesive, scalable designs across multiple teams and aligning local decisions with the broader system strategy.
- Set and uphold a high bar for technical excellence across the collective, driving improvements in quality, reliability and scalability, and fostering a culture where engineers hold each other to that standard.
- Proactively mentor, sponsor and develop senior engineers and future leaders, multiplying your impact by enabling others to operate at a higher level.

What you’ll be using/ What you’ll be working on:

We rely heavily on the following tools and technologies:

- [Go](http://golang.org/) to write our application code (there’s an excellent interactive Go tutorial[here](https://tour.golang.org/welcome/1))
- [Cassandra](http://cassandra.apache.org/) for most persistent data storage
- [Kafka](http://kafka.apache.org/) for our asynchronous message queue
- [Kubernetes](http://kubernetes.io/) and[Docker](https://www.docker.com/) to schedule and run our services
- [AWS](http://aws.amazon.com/) for most of our production infrastructure and [GCP](https://cloud.google.com/) for most of our data infrastructure.
- [React](https://facebook.github.io/react/) for internal Web dashboards
- [Feast](https://feast.dev/) for storing our features along a variety of tools to train and deploy models.

🤩We’d love to hear from you if…

- You have a track record of leading complex, high-impact systems and driving technical direction across multiple teams
- You combine strong technical judgment with product and business awareness, making pragmatic trade-offs
- You’ve worked on scalable backend, distributed or data-intensive systems
- You’re comfortable operating in ambiguous problem spaces, helping teams define direction and execute
- You influence and align senior stakeholders across engineering, product and beyond
- You care about outcomes and impact, using data to guide decisions
- You enjoy mentoring and raising the bar for other engineers

## How we work 💻

Locations & Flexible Working:

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles.

We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or online.

Set up a work schedule that delivers impact and fits your life:

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance.

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. 🕒✨

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.

Work the way that works for you with Monzo! 💼

🙌What’s in it for you

💰 Base salary £155,000 - £200,000 + Equity

✈️ We’ll help you relocate to the UK.

✅ We can sponsor your visa.

📍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, and at times that suit you and your team.

📚£1,000 learning budget each year to use on books, training courses and conferences.

🏡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

➕ Plus lots more! [Read our full list of benefits](https://monzo.com/careers/).

🌈 The application journey has 4 key steps

Our interview process involves four main stages after an informal recruiter call:

- Recruiter Call
- Initial Call
- System Design Interview
- Take home task or pair coding exercise
- Final interview including a behavioural and a leadership interview

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!

One of our staff engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see[here](https://monzo.com/blog/2022/03/23/demystifying-the-backend-engineering-interview-process).

#LI-Remote

## #LI-ZM

## Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our [blog](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025)

We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

## About Monzo

## Company Overview
- **One-liner**: Monzo is a UK-based digital bank offering personal and business current accounts, savings, loans, investments, and insurance through a mobile-first platform.
- **Entity Type**: Private (Series I, unicorn)
- **Headquarters**: London, United Kingdom (offices also in Cardiff, Dublin, and Barcelona)
- **Founded**: 2015
- **Founders**: Tom Blomfield, Gary Dolman, Jonas Huckestein Templestein, Jason Bates, Paul Rippon (current co‑CEOs are Diana Layfield and Conor Walsh)

## Core Business
- Primary industry/industries: Digital banking and financial services (consumer finance, payments, lending)
- Target customers: B2C (personal banking) and B2B/SMB (business banking); primarily UK‑based, with growing EU presence
- Mission or purpose statement: “Building a bank you’d be proud to use” – focused on solving problems, not selling financial products, and making money work for everyone.

## Products & Services
- **Personal Current Account**: Mobile‑banking account with budgeting tools, spending insights, and automated savings. Features real‑time notifications, card controls, and biometric authentication.
- **Business Current Account**: Separate account for small businesses with expense categorisation, invoicing, and integration with accounting software.
- **Savings Pots**: Sub‑accounts inside the app to save toward goals; includes interest‑bearing options.
- **Credit Cards & Loans**: Personal credit cards, overdrafts, and Flex (buy‑now‑pay‑later style borrowing). Also offers personal loans.
- **Investments**: Share dealing and ISA products (introduced in 2024).
- **Insurance**: Home, travel, and gadget insurance (underwritten by partners).
- **Pension Management**: Tools to manage and consolidate pension pots within the app.

## Market Standing
- **Valuation**: $5.2 B (current, per Tracxn; latest round Series I)
- **Key Metric**: Annual revenue £1 B+ (as of 31 Mar 2025), total funding $1.81 B
- **Notable Investors/Partners**: General Catalyst, Passion Capital, Accel (lead investors in previous rounds)
- **Growth Signals**: 15 million+ personal and business customers; headcount of ~3,786 (YoY growth 26.8% per Revelio Labs); expansion into EU via Dublin office; launched investment and pension products in 2024; continued lending product innovation (Flex, credit cards).

## Competitive Advantages
- **Community‑driven product development** – Customers actively suggest features, test the app, and give feedback, creating strong brand loyalty.
- **Mobile‑first architecture** – Built from scratch as a digital‑only bank, offering a seamless user experience with real‑time budgeting and spending insights.
- **Regulatory innovation** – One of the first UK challengers to obtain a full banking licence, enabling deposit‑taking and lending.
- **Open‑source culture** – Engages with the engineering community through open‑source contributions and transparent development.

## Strategic Focus
- **Product expansion**: Deepening lending and investment offerings, and building a wealth management suite.
- **International growth**: Scaling in the European market (office in Barcelona, Dublin hub, and hiring for EU‑focused roles).
- **Embedded finance**: Enabling third‑party services to use Monzo’s banking infrastructure.
- **Operational efficiency**: Using AI/ML for risk management, fraud detection, and personalised financial recommendations.

## Why Work Here
- **Culture**: Open, collaborative, and inclusive; regular community events, yoga, and lunch‑and‑learns; contributes to open‑source software.
- **Remote/Hybrid**: Office‑based roles allow occasional remote work; distributed workers receive equipment budget. Roles in London, Cardiff, Dublin, Barcelona, or UK‑remote.
- **Visas**: Monzo sponsors visas for tech, engineering, and product roles due to Home Office regulations.
- **Learning**: £1,000 annual budget for books, courses, and conferences; regular knowledge‑sharing sessions.
- **Compensation & Benefits**: Annual salary reviews; performance‑based incentive awards (cash/equity mix); pension (4% Monzo contribution, matching up to 6%); private healthcare; life insurance (4x salary); 26 days holiday + bank holidays (or opt‑out for 34 days); 8‑week sabbatical every 5 years; generous family leave (primary caregiver 26 weeks full pay, secondary 13 weeks full pay); paid sick leave; cycle‑to‑work scheme.
- **Office Perks**: Free breakfast, hot lunches twice a week, snacks, and drinks in London office.

## Sources
1. [monzo.com/careers](https://monzo.com/careers) – Benefits, visa policy, flexible working, culture
2. [monzo.com/about](https://monzo.com/about) – Company overview, mission, customer count
3. [tracxn.com/d/companies/monzo](https://tracxn.com/d/companies/monzo/__HguZJzK7Q_qZsyIz1Y4VwV75H5fHjDMtGaXPelPAxpU) – Funding, valuation, revenue, employee count, founders, CEOs
4. [job-boards.greenhouse.io/monzo](https://job-boards.greenhouse.io/monzo/jobs/7963253) – Open roles, location details
5. [reveliolabs.com/companies/monzo-bank/employees](https://www.reveliolabs.com/companies/monzo-bank/employees/) – Headcount growth

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