Qureos Mentor

Monzo

Monzo is a modern bank that offers a free UK current account, joint accounts, and business accounts. It focuses on helping users organize, save, and invest their money effectively, aiming to enhance their banking experience.

<div><div>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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their 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 ❤️</div><h4 class="jobSectionHeader"> 
London/Cardiff/UK Remote | &pound;138,000 to &pound;176,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨</h4>
<h4 class="jobSectionHeader">About the role</h4>

Borrowing is one of Monzo's most important growth engines. We've built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe.

We're looking for a senior ML leader to help shape that next phase.

You'll lead a high-calibre team of ML scientists and help define Borrowing's ML roadmap across UK growth, new customer segments, and EU expansion. You'll work across underwriting, pricing, limits, and lifecycle decisioning &mdash; improving today's models while helping build the next generation of capability for Monzo.

This role combines near-term commercial impact with long-term strategic advantage:
<ul>
<li>improving performance across our range of products</li>
<li>unlocking new data and faster model development</li>
<li>helping Monzo build underwriting that scales into new markets</li>
<li>shaping how advanced ML and AI can create real value in Borrowing</li>
</ul>
You'll partner closely with leaders across Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, and influence decisions that shape both business performance and the long-term architecture of credit decisioning at Monzo.
<h4 class="jobSectionHeader">
What you'll own</h4>
<ul><li>Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion</li>
<li>Faster model improvement through new data and feature engineering</li>
<li>How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning</li>
<li>More portable underwriting capabilities across products, customer segments, and markets</li>
<li>Hiring, leading, and developing a high-performing ML team</li>
<li>Raising the bar on model quality, governance, tooling, and speed of iteration</li>
</ul><h4 class="jobSectionHeader">What you'll be working on</h4>

Examples of the challenges you could help lead:
<ul>
<li>Improving underwriting models across Loans, Flex, and Overdrafts</li>
<li>Expand the data we use in our models</li>
<li>Building better feature engineering and model shipping capability</li>
<li>Improving transaction intelligence for credit use cases</li>
<li>Developing underwriting capabilities for new customer segments and EU markets</li>
<li>Shaping Monzo's approach to advanced ML and AI</li>
</ul><h4 class="jobSectionHeader">Our technology stack</h4>

We rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them:
<ul>
<li>Google Cloud Platform</li>
<li>BigQuery SQL and dbt</li>
<li>Python and the PyData stack</li>
<li>Google AI Platform</li>
<li>AWS</li>
<li>Python for ML services</li>
<li>Go for backend services</li>
<li>AI tooling for productivity</li>
<li>Google Workspace including Gemini</li>
<li>ChatGPT Enterprise</li>
<li>Claude Code</li>
</ul><h4 class="jobSectionHeader">You should apply if</h4>
<ul><li>You want to shape the next phase of credit decisioning at one of Europe's most ambitious fintechs</li>
<li>You enjoy combining strategic leadership with strong technical judgment</li>
<li>You're excited by the intersection of underwriting, data, product, and platform capability</li>
<li>You like building teams as much as building models</li>
<li>You care about real customer and business impact</li>
</ul><h4 class="jobSectionHeader">You must have</h4>
<h4 class="jobSectionHeader">Credit and machine learning</h4>
<ul><li>Strong knowledge of machine learning, statistics, and decisioning systems</li>
<li>Deep experience in credit risk and lending</li>
<li>Experience building, deploying, and iterating credit models in production</li>
<li>Experience pushing the innovation frontiers of the credit industry</li>
</ul><h4 class="jobSectionHeader">Leadership and delivery</h4>
<ul><li>Experience leading and developing senior ML scientists</li>
<li>Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation</li>
<li>Track record of turning strategy into practical delivery in a regulated environment</li>
</ul><h4 class="jobSectionHeader">It would be great if you also have</h4>
<ul><li>Experience across more than one market</li>
<li>Experience with advanced ML methods and AI on structured financial data</li>
</ul><h4 class="jobSectionHeader">The interview process</h4>
<ul><li>30 min Recruiter Call</li>
<li>45 min Initial Call</li>
<li>60 min ML technical interview</li>
<li>60 min People Leadership interview</li>
<li>60 min Product / Credit ML interview</li>
</ul>
All interviews will be conducted through Google Meet.
<h4 class="jobSectionHeader">
What's in it for you</h4>

 &pound;138,000 to &pound;176,000 ➕ plus stock options &amp; benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

This role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London.

 We'll set you up to work from home, including support for remote setups.
<ul><li>We offer flexible working hours and trust you to work in a way that lets you do your best work.</li></ul>

 Learning budget for books, training courses and conferences

➕ And much more &mdash; see our full list of benefits here 
 
#LI-DC2 #LI-Remote<div>

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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

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</div></div>

Senior Machine Learning Manager, Borrowing

<div><div>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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their 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 ❤️</div> 
London / UK Remote | &pound;85,000&ndash;&pound;110,000 + Incentive Awards tied to your performance + Benefits 

About Machine Learning Platform Engineering at Monzo

The Machine Learning Platform team builds the systems that help teams across Monzo train, evaluate, deploy and serve ML models and AI features safely and reliably.

We work on backend services, Python libraries, model lifecycle tooling, evaluation workflows and low-latency serving systems. Our users are internal ML engineers, scientists and product teams building with ML and LLMs.

The work matters because machine learning powers many important decisions and experiences at Monzo, from fraud checks and credit decisions to customer operations. We help teams move faster while keeping production systems reliable, observable and safe.

This is a platform engineering role in the ML and AI space. We're looking for someone who combines strong software engineering foundations with ML or AI context, and who enjoys building tools and systems for other engineers.

 What you'll be working with...
<ul>
<li>Go for backend services, platform APIs, and production systems</li>
<li>Python for libraries, workflows, and tooling used by our ML engineers and scientists</li>
<li>Feature platforms and data workflows using Chronon, Feast, and DataHub</li>
<li>Model training pipelines and experiment tracking using Vertex AI and Comet</li>
<li>AI observability, evaluation, and tracing using Langfuse and Bifrost</li>
<li>AWS for real-time serving and online inference, GCP for batch compute and our BigQuery data warehouse.</li>
</ul>
(Please note direct experience with all of them is helpful but not required and our interview process can be completed in any language).

 We'd love to hear from you if...
<ul>
<li>You combine solid backend engineering with real ML or AI platform experience (ML pipelines, feature stores, model serving, experiment tracking or LLM tooling)</li>
<li>You've designed and operated distributed systems that handle scale, concurrency and failure</li>
<li>You think like a platform engineer, focused on developer experience and removing friction for internal teams</li>
<li>You're happy working across both Go and Python</li>
<li>You enjoy ambiguity and want to shape a platform as it grows</li>
<li>You have experience with strongly typed languages, writing and working on backend software</li>
<li>You're curious about how systems behave in production, including reliability, latency, quality, safety and operational risk</li>
</ul>
 This might NOT be the right fit if...
<ul>
<li>Your background is predominantly SRE, DevOps or infrastructure operations</li>
<li>You're focused on data science or modelling</li>
<li>You've shipped AI product features but haven't worked on the platform side (serving, evaluation, model lifecycle)</li>
</ul>
Levels

We're on the look out for Engineers of varying levels at the moment. You can read more in our Engineering Progression Framework - we will interview you across the entire framework, so if you are not sure what level you are aiming for please chat to your recruiters!

About our Engineering Teams

We have around 600 engineers out of roughly 5,000 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 as much as possible. Our blog is a good place to learn even more about what we do.

 How we work

Locations &amp; 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 there's no pressure to come into the office, 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 &amp; treat Thursdays ️

Teams also often schedule time together for work and play, whether 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.

The Interview Process

Our interview process involves three main stages:
<div>
<ul><li>Initial Call</li></ul>
<ul><li>Take home task or pair coding exercise</li></ul>
<ul><li>Final interview: including a system design and a behavioural interview</li></ul>
</div>
Our average process takes around 4 weeks but we will always work around your availability.

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

What's in it for you
<div>
 &pound;85,000&ndash;&pound;110,000 + Incentive Awards tied to your performance 
✈️ 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). 
<ul><li>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.</li></ul>
 Learning budget of &pound;1,000 a year for books, training courses and conferences 
➕ And much more, see our full list of benefits here</div><div> 

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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

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</div></div>

Machine Learning Platform Engineer

<div>
 
 
 🚀 We&rsquo;re on a mission to make money work for everyone.
 
 
 
 
 We&rsquo;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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their 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&rsquo;re not about selling products - we want to solve problems and change lives through Monzo ❤️
 
 
 📍London, Cardiff or Remote in the (UK) 💰 &pound;97,800 -125,000 ➕ Incentive Awards tied to your performance and Benefits | Hear from the team ✨
 
 
 
 Our Team
 
 
 
 Our Mission in Operations is to deliver an effortless experience for everyone - helping Monzo deliver on its mission of making money work for everyone.
 
 
 Data is crucial to the success of this mission and Operations Analytics Engineers are at the core of how we build, scale and re-architect our Operations Data Warehouse to enable Monzo to make better decisions, faster, and help serve Monzo&rsquo;s customers better.
 
 
 We're looking for a Lead Analytics Engineer within our Operations 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 markets and working with partners internally and externally to ensure we can design and build a first class system to meet our customers&rsquo; needs.
 
 
 At Monzo, we're building a bank that is fair, transparent and a delight to use. We&rsquo;re growing extremely fast and have over 10 million customers in the UK, with over 200,000 new people joining every month. We&rsquo;ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.
 
 
 This is a great opportunity to shape the future direction of how we serve our customers, enabling data to ensure we can provide a world class efficient service for all of Monzos customers, as we lay the foundations to build a best in class analytics function. You&rsquo;ll work closely within our Operations Collective with product and engineering teams to build out our forecasting and routing systems, while partnering with our core operations team to enable a fast and agile workforce.
 
 
 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.
 
 
 
 Your Day-to-day
 
 
 
 Your responsibilities as a Lead Analytics Engineer will include :
 
 
 <ul>
 <li>
 Serving as a data architect for Monzo&rsquo;s Operations data, contributing to the design and scalability of data models that measure the performance of our Operations product suite.
 </li>
 <li>
 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.
 </li>
 <li>
 Scoping, building and leading through others the re-architecture of entire domains across Operations (including data about our workforce and about demands of our customers)
 </li>
 <li>
 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.
 </li>
 <li>
 Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
 </li>
 <li>
 Contribute to prioritising data governance issues, ensuring a comprehensive approach to data integrity and compliance.
 </li>
 <li>
 Being a key technical leader who&rsquo;s able to champion central platform initiatives that aim to elevate the data standards across Operations and beyond.
 </li>
 <li>
 We all own and support the pipelines we contribute to, and on call support out of hours will be expected from time to time as part of this role.
 
 
 </li>
 </ul>
 
 Locations &amp; flexible working:
 
 
 
 Our main tech hub is in London, but our data teams are based all over the UK.
 
 
 We love meeting in person, but there&rsquo;s no pressure to come into the office, even if you&rsquo;re nearby. You&rsquo;ll do your best work where you feel most comfortable.
 
 
 We value flexibility, connection, and wellbeing. You&rsquo;ll have the freedom to work in a way that fits your life, whether that&rsquo;s school drop-offs, avoiding rush hour, or making time for what matters most.
 
 
 Work the way that works for you at Monzo! 💼
 
 
 
 You Should Apply If
 
 
 
 <ul>
 <li>
 You have a strong passion for data modelling, ETL projects, and Big Data.
 </li>
 <li>
 You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
 </li>
 <li>
 SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
 </li>
 <li>
 You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
 </li>
 <li>
 You have experience building robust and reliable data sets that require a high level of control.
 </li>
 <li>
 You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
 </li>
 <li>
 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.
 </li>
 <li>
 You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
 </li>
 <li>
 You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
 </li>
 <li>
 You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan&rsquo;s deliverables.
 </li>
 <li>
 You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Operations and Analytics Engineering.
 </li>
 <li>
 Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.
 
 
 </li>
 </ul>
 
 Interview process
 
 
 
 
 Our Typical Process Is Structured As
 
 
 
 <ul>
 <li>
 Recruiter call
 </li>
 <li>
 Initial call
 </li>
 <li>
 Technical task
 </li>
 <li>
 3 x 1 hours sessions (final interview)
 
 
 </li>
 </ul>
 Our average process takes around 3-4 weeks but we will always work around your availability.
 
 
 
 What&rsquo;s In It For You
 
 
 
 💰 &pound;97,800-&pound;125,000 base
 
 
 ✈️ 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 &pound;1,000 a year for books, training courses and conferences
 
 
 ➕ And much more, see our full list of benefits
 
 here
 
 
 
 
 Equal opportunities for everyone
 
 
 
 Diversity and inclusion are a priority for us and we&rsquo;re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we&rsquo;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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.
 
 
 We&rsquo;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 😊
 
 
</div>

Lead Analytics Engineer

Join Monzo and explore 3   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

Monzo

About Company

Senior Machine Learning Manager, Borrowing

Machine Learning Platform Engineer

Lead Analytics Engineer