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Backend Engineer

Monzo Bank


Posted over 30 days ago...


Join the future of banking with Monzo's dynamic team and shape the financial landscape with your product-driven backend engineering expertise


icon Salary

£160000 - £225000

icon Location

San Francisco or New York City

icon Nomad Friendly?

98% Remote- North America

icon Expires

Expires at anytime

Organization Summary

Monzo is revolutionizing the banking industry with its mission to build the best bank account in the world. With a focus on exceptional digital tools and customer experience, Monzo is dedicated to providing intuitive financial management and eliminating unfair fees and poor service. With over 9 million users in the UK and a recent launch in the US, Monzo is a tech-centric challenger bank backed by top investors, boasting a high NPS and a valuation of $5 billion. The company offers a collaborative and inclusive environment that values openness and community engagement.

Role Summary

  • Work on the backend of Monzo's app to create features and products that change how users manage finances.
  • Participate in product testing, hiring, and vendor selection to enhance the Monzo experience.
  • Join a focused team with the resources of a large company to find product-market fit in the US.

Role Requirements

  • A track record of delivering products within high-growth, product-focused organizations.
  • At least 2 years of experience with strongly-typed languages (Go, Java, C, Scala, etc.) and backend development for consumer tech products.
  • A product mindset with a focus on customer outcomes and a balance between quick delivery and engineering quality.
  • Ability to work in a lean, fast-paced environment and make decisive trade-offs.

Interview Process

  • Initial call with the Head of Engineering.
  • Coding, systems design, and behavioral interviews with the team.

With offices in San Francisco and New York City, Monzo offers a hybrid work model, a competitive salary with stock options, comprehensive health benefits, a 401k with employer match, and a generous vacation policy. If you're ready to contribute to a team that makes a real difference in customers' financial lives, apply to Monzo today!

📍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!


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.


  • 🏥 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



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