Senior Backend Engineer at Monzo – Go & Distributed Systems

Monzo; Greater London; Hybrid; GBP 85,000 - 110,000; Full time

Benefits offered by this job

Incentive awards

Visa sponsorship

Relocation support

£1,000 learning budget

Job summary

Monzo is seeking a Senior Backend Engineer to work on Go-based distributed systems in a remote UK setup. The role offers exposure to high-growth fintech infrastructure, with an engineering progression framework and flexible working hours.

Expect work on scalable backend services, distributed data pipelines, and cloud infrastructure in AWS and GCP. Compensation ranges from £85,000 to £110,000 with incentive awards and benefits; Visa sponsorship and relocation support may be available.

Qualifications

• Strong backend experience building scalable products.
• Interest in distributed systems and resilient software design.
• Experience with strongly typed languages is a plus.

Skills

Go

Distributed systems

Strong backend

Tools

Kafka

Cassandra

Kubernetes

Envoy Proxy

AWS

GCP

Job description

Senior Backend Engineer at Monzo – Go & Distributed Systems — Remote

This Backend Engineer (L40/Engineer III) role at Monzo sits at a genuinely interesting career intersection: high-growth fintech, at-scale distributed systems, and a well-documented engineering progression framework.

Compensation benchmark: The £85,000–£110,000 range for an Engineer III is competitive but not exceptional for senior backend roles in London's fintech market in 2024-2025. Top-tier companies (Stripe, Revolut, Google UK) often reach £120k–£150k+ at equivalent levels. However, Monzo adds performance incentive awards and equity-adjacent rewards that can close the gap meaningfully.

• Go (Golang) — one of the most in-demand backend languages, especially in fintech and infrastructure roles.
• Distributed systems at scale — Kafka, Cassandra, Kubernetes, and Envoy Proxy are all highly marketable, transferable skills.
• Cloud infrastructure (AWS + GCP dual-cloud) — rare real-world experience that commands premium salaries.
• Regulated financial systems — experience in a FCA-regulated bank is a strong career signal for future roles.

Green flags: No mandatory office attendance, public Engineering Progression Framework, structured onboarding, inclusive hiring approach, and a no-closing-date posting indicating genuine ongoing hiring demand. The 650-engineer org is large enough to offer mentorship and specialisation, yet the startup culture appears preserved.

Watch for: Core hours meetings imply some synchronous culture; ambiguity tolerance is explicitly required — best suited to engineers who are self-directed. Part‑time options are offered "whenever we can" — not a firm commitment.

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.

Compensation: £85,000 – £110,000 + Incentive Awards tied to your performance + Benefits | Technology

About our Engineering Teams:

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 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.

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 and 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, avoiding peak commuting times, 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.

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 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 looking 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!

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. Drop us your application, we'd love to hear from you!

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:

• Go to write our application code (there's an excellent interactive Go tutorial here )
• AWS for most production infrastructure and GCP for most data infrastructure
• React for public web apps and internal tools
• 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.

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:

• £85,000 – £110,000 base salary + 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)
• Flexible working hours — we 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.

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.

Is this role truly remote or is office attendance required? The role is open to distributed working anywhere within the UK, with no mandated office attendance. If Monzo asks you to come into the London office, they will cover your travel costs. Note that the role is UK‑only and not available to international remote workers. What is the salary range for this Backend Engineer position at Monzo? The base salary range is £85,000 to £110,000 per year, plus performance‑based Incentive Awards and a broader benefits package including a £1,000 annual learning budget. Do I need prior experience with Go or Monzo's specific tech stack? No — Monzo states they hire technically agnostic and do not expect prior knowledge of Go, Cassandra, Kafka, or Kubernetes. Structured onboarding is provided to get you up to speed. Can Monzo sponsor a UK work visa for this role? Yes, Monzo can sponsor UK work visas and also offers relocation support for candidates moving to the UK. What does the interview process look like and how long does it take? The process has three stages: an initial call, a take‑home task or pair coding exercise, and a final interview covering system design and behavioural questions. The average process takes around 4 weeks, with flexibility around your availability.

Remote work & career advice that actually works.