Senior Backend Engineer

Monzo; Greater London, Cardiff; Hybrid; GBP 105,000 - 135,000; Full time

Benefits offered by this job

Relocation assistance

Visa sponsorship

Flexible working hours

Learning budget

Job summary

Monzo is hiring Backend Engineers to join our squads across the UK. You’ll build and support parts of our in-house banking platform, collaborating with product managers, designers and data teams to deliver robust services.

You’ll work with Go, AWS, GCP and React in a distributed environment, shaping scalable systems and influencing customer outcomes with data-informed decisions. Flexible, remote-friendly UK roles welcome.

Qualifications

• Strong experience building backend services for a technology product.
• Product-minded; focus on customer outcomes and data-informed decisions.
• Comfortable working in ambiguous environments and with distributed systems.
• Experience with strongly-typed languages (Go, Java, C, Scala etc.).

Responsibilities

• Develop and maintain backend services using Go and related tech.
• Collaborate with cross-functional teams (PMs, designers, data engineers).
• Design and scale distributed systems to support Monzo’s banking platform.
• Participate in technical interviews and contribute to engineering excellence.

Skills

Go

AWS

GCP

React

Distributed systems

Product mindset

Job description

We have around 650 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 everyday 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

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!

We encourage you to apply— even if you don’t have everything that’s listed just yet.

You should apply if

• 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

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply—even if you don’t have everything that’s listed just yet.

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

Our interview process involves three main stages:

• 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.

What’s in it for you

• £105,000 - £135,000 + 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).
• 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

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

Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow.