Backend Engineer

📍This role will be based in either our San Francisco or New York City office, on a hybrid basis (2 days per week) | $160,000 - $225,000 Base Salary + Stock Options

About us 🚀 

We’re building the best bank account in the world. We believe there should be an alternative to the banking of the past: we help our customers better manage their finances through beautiful and intuitive digital tools. We want to replace the terrible user experiences that you are forced to use whenever you log into your bank, and get rid of unfair fees and poor customer service.

Monzo is the lead challenger bank in the UK. In the last few years, we’ve built a banking app with extremely high daily engagement and an NPS that’s consistently above 70. More than 9 million people (20% of UK adults) have a Monzo account. We’ve raised over $1 billion from YCombinator, Stripe, Coatue, Eric Schmidt, Mike Moritz and others - most recently at a $5bn valuation. Our competitive advantage is that we operate like a tech company in a space where software has not yet eaten the world - for example, we built our own core banking system from scratch!

We launched Monzo in the US in 2022 and are just getting started. Your work will help us deliver on our product and technical strategy as we expand into our first international market. We’re a small team operating like an early stage startup but with the financial, operational, and engineering platform muscle of a larger company. We’re focused on launching an amazing US product, shipping and iterating quickly, and finding product market fit. We’re looking for driven, gritty, and enterprising people to help us achieve our mission to make money work for everyone.

Internally, we encourage an open, collaborative, inclusive working environment. We contribute to open source software, and we continually engage with our wonderful community. We’re hiring talented, creative problem-solvers to help us build the bank of the future. Join us!

About the Role

We’re looking for product-minded backend engineers to help us rebuild banking from the ground up. As a member of a small but mighty team, you'll have a rare and exciting opportunity to shape the product, the launch, and the team we hire. You’ll drive massive impact across the entire business — whether it’s through building new features to help our customers understand and control their money, launching entirely new products, or protecting us from financial crime. The ideal candidate will have experience working as part of small teams or at early stage companies and be capable of working independently and efficiently in ambiguous environments. 

This position will report to the US Head of Engineering.

What you'll do everyday

• Develop the backend systems and services to power new features for the Monzo app experience
• Test, launch, and iterate on product features based on a data driven approach that also incorporates user feedback and testing
• Contribute to hiring, product testing, and vendor selection 

You should apply if

• You have a track record of shipping products, getting stuff done, and working in high growth product-focused organizations
• You have 2+ years experience working with strongly-typed languages (Go, Java, C, Scala etc.) 
• You have experience working on the backend of a consumer technology product
• You have a product mindset: you really care about customer outcomes and you want to build a product that fundamentally changes how users manage their finances
• You’re comfortable working in a lean, rapidly growing team that operates in an ever-evolving environment 
• You feel confident making trade-off decisions between shipping quickly versus optimizing for engineering excellence

We're on the look out for L40, 50 & 60 Engineers at the moment, you can read more in our Engineering Progression Framework

Interview process

Our interview process consists of an initial call with our Head of Engineering, followed by a coding, systems design, and behavioral interview with engineers and leaders from our team. We promise not to ask you any brain teasers or trick questions. Learn more about our interview process here!

Location

This role will be based in either San Francisco or New York City. We have offices in both cities, where we meet twice a week.

Benefits

• 🏥 Great Health, Dental and Vision Insurance
• 💲 Competitive salary
• 📈 Stock Options
• 💰 Generous 401k with 4% employer match
• 🏝 32 days of vacation and public holidays per year (and we require that you take all of your days each year as we believe that well rested employees are more effective!)
• Maternity / Paternity leave
• 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.

Snippets of Monzo Culture

• Our mission of financial inclusion: We want everyone who wants one to have access to a Monzo bank account, along with information to help them make good financial decisions
• Default to transparency: How transparency is key in the ways we work and serve customers
• The Monzo Tone of Voice: How we use our voice to cultivate clarity, positivity, and approachability
• Gambling block: At Monzo, we focus on helping vulnerable customers

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