Backend Engineer III

Monzo; Cardiff, City Of London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A leading fintech company in the UK is looking for a Backend Engineer to join their collaborative team. You'll work on impactful projects within a flexible work environment, focusing on building resilient software and collaborating with cross-functional teams. Strong backend experience and knowledge of distributed systems are essential. This role comes with great benefits including a generous learning budget.

Benefits

Flexible working hours

Learning budget of £1,000 per year

Visa sponsorship availability

Support for relocation to the UK

Qualifications

• Strong experience working on the backend of a technology product.
• Comfortable working in a team that deals with ambiguity.
• Interest in building resilient software.

Responsibilities

• Collaborate with your team to make a difference to customers.
• Build and support specific parts of the product.
• Work with cross-functional teams including product managers and designers.

Skills

Backend experience

Data-informed decision making

Distributed systems

Experience with Go, Java, C, Scala

Tools

Go

AWS

GCP

React

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.

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 ❤️

We have around 400 engineers across Monzo who design and build our in‑house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company.

These range from the products our customers use every day to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities.

This role is all about collaborating with your team to make a difference to your customers. As a backend engineer you’ll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more!

Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self‑governing business units of ~100 people). They are: Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion. All of our collectives are doing innovative work, many of which have machine learning and AI at the forefront – from fighting financial crime to building smarter financial tools – and you may have the opportunity to join a collective that gives you direct exposure to this exciting space.

They’re all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need!

Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles.

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 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 & 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. 🕒✨

Work the way that works for you with Monzo! 💼

Requirements

• You have strong experience working on the backend of a technology product.
• You want to be involved in building a product that you (and the people you know) use every day.
• You have a product mindset: you care about customer outcomes and you want to make data‑informed decisions.
• You’re comfortable working in a team that deals with ambiguity.
• You’re interested in distributed systems and writing resilient software.
• You have some experience with strongly‑typed languages (Go, Java, C, Scala, etc.).
• You think you’d enjoy the kind of work we’re doing.

We’re on the look out for L40 Engineers at the moment. You can read more in our Engineering Progression Framework. You will be interviewed across the whole framework, so if you’re not sure what level you’re aiming for, chat to your recruiter!

What you’ll be working on:

We hire very technically agnostic so whilst we use the below technologies we do not expect prior knowledge, you will be fully supported in our organised onboarding to get up to speed in the below:

• Go to write our application code (there’s an excellent interactive Go tutorial here )
• AWS for most of our production infrastructure and GCP for most of our data infrastructure
• React for our public web apps and internal tools
• We also have physical datacenters with actual cables to connect to various third parties

The Interview Process

• Initial Call
• Take home task or pair coding exercise
• Final interview: including a system design and a behavioural interview

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

✈️ 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.

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, 2024 Diversity and Inclusion Report, and 2024 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, 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 😊

We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor.

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We’re usually always hiring for Backend Engineers, so there's no closing date for this job.