Monzo Bank Limited logo

Senior Backend Engineer

Job Overview

Location

Cardiff, London or Remote (UK)

Job Type

Full-time

Category

Backend Engineer

Date Posted

February 24, 2026

Full Job Description

đź“‹ Description

  • • Join Monzo Bank, a pioneering digital bank on a mission to make money work for everyone, by revolutionizing traditional banking with innovative technology and a customer-centric approach.
  • • As a Senior Backend Engineer (L50), you will play a pivotal role in designing, building, and maintaining the robust backend systems that power our award-winning banking platform, impacting millions of customers across the UK.
  • • Collaborate within cross-functional squads comprising product managers, designers, mobile and web engineers, data analysts, and more, to deliver exceptional features and services.
  • • Contribute to diverse collectives such as Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion, with opportunities to engage with cutting-edge machine learning and AI applications.
  • • Take ownership of building and supporting specific areas of Monzo's banking ecosystem, ensuring scalability, reliability, and security.
  • • Embrace a product mindset, focusing on customer outcomes and making data-informed decisions to drive product improvements and innovation.
  • • Work with a variety of backend technologies, including Go for application code, Cassandra for persistent data storage, Kafka for asynchronous messaging, and Kubernetes/Docker for service orchestration.
  • • Leverage cloud infrastructure on AWS for production and GCP for data infrastructure, with exposure to Envoy Proxy for RPC communication.
  • • Contribute to the continuous improvement of our engineering practices, including participating in code reviews, advocating for best practices, and sharing knowledge within the team.
  • • Engage in the full software development lifecycle, from ideation and design to implementation, testing, deployment, and ongoing maintenance.
  • • Tackle complex technical challenges related to distributed systems, ensuring the resilience and performance of our banking services.
  • • Participate in on-call rotations to ensure the stability and availability of our production systems, contributing to incident response and resolution.
  • • Drive technical excellence by mentoring junior engineers, conducting technical design reviews, and promoting a culture of learning and continuous improvement.
  • • Actively contribute to our open-source initiatives, sharing our work with the wider developer community and learning from others.
  • • Be a key player in shaping the future of digital banking, working on features that directly enhance the financial lives of our customers.
  • • You will be instrumental in developing and maintaining the core services that underpin Monzo's operations, ensuring seamless transactions, secure data handling, and a reliable user experience.
  • • Your work will directly influence the development of new financial products and services, from personal and business accounts to savings, investments, and credit facilities.
  • • You'll be part of a team that values collaboration, innovation, and a shared commitment to building a bank that truly serves its customers.
  • • We encourage a proactive approach to problem-solving, empowering you to identify opportunities for improvement and implement effective solutions.
  • • You will have the chance to work on systems that handle sensitive financial data, requiring a strong focus on security best practices and compliance.
  • • The role involves working with a modern technology stack, including Go, Cassandra, Kafka, Kubernetes, Docker, and cloud platforms (AWS, GCP), providing opportunities for continuous learning and skill development.
  • • You'll be part of an engineering culture that values technical curiosity, encourages experimentation, and supports professional growth through learning budgets and knowledge sharing.
  • • Your contributions will be vital in maintaining and enhancing the performance, scalability, and resilience of Monzo's backend infrastructure.
  • • You will collaborate closely with product teams to translate business requirements into technical solutions, ensuring that our products meet customer needs and strategic objectives.
  • • The opportunity to work on projects that have a tangible impact on millions of users, making banking simpler, fairer, and more transparent.
  • • You will be part of a dynamic and fast-paced environment, where you can make a significant contribution to the growth and success of a leading fintech company.
  • • We foster a culture of psychological safety, where you can voice your opinions, challenge the status quo, and contribute to a positive and inclusive work environment.
  • • You will have the autonomy to make technical decisions and influence the direction of our backend architecture.
  • • The role offers a unique chance to be at the forefront of financial technology innovation, shaping the future of banking.
  • • You will be part of a team that is passionate about building great products and delivering outstanding customer experiences.
  • • We believe in empowering our engineers to take ownership and drive initiatives, providing opportunities for leadership and career advancement.
  • • Your work will directly contribute to Monzo's mission of making financial services accessible and understandable for everyone.
  • • You will be involved in designing and implementing solutions for complex financial workflows, ensuring accuracy and compliance.
  • • The role provides exposure to a wide range of technical challenges, from high-throughput transaction processing to real-time data analysis and fraud detection.
  • • We are committed to building a diverse and inclusive engineering team, and we encourage applications from individuals with a wide range of backgrounds and experiences.
  • • You will have the opportunity to work with a talented and motivated group of engineers who are passionate about technology and its potential to transform banking.
  • • We value continuous learning and provide resources and support for you to stay up-to-date with the latest technologies and industry trends.
  • • Your role will be crucial in ensuring the security and integrity of our financial systems, protecting customer data and maintaining trust.
  • • You will contribute to the development of scalable and resilient microservices that form the backbone of our banking platform.
  • • The opportunity to work on a product that is loved by its customers and has a significant positive impact on their financial well-being.
  • • We embrace an agile development methodology, allowing for flexibility and rapid iteration in response to customer feedback and market changes.
  • • You will be part of a company that is committed to transparency and open communication, both internally and externally.
  • • Your expertise will be invaluable in guiding technical decisions and ensuring the successful delivery of complex projects.
  • • We offer a supportive and collaborative work environment where you can thrive and grow your career.
  • • You will have the chance to work on challenging and rewarding problems that push the boundaries of what's possible in fintech.
  • • The role is an excellent opportunity to join a fast-growing company that is disrupting the financial industry and making a real difference in people's lives.

Skills & Technologies

Java
Go
Scala
React
Cassandra
Backend
Senior
Remote
ÂŁ95k-130k

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Monzo Bank Limited logo
Monzo Bank Limited
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About Monzo Bank Limited

Monzo Bank Limited is a UK-regulated digital bank offering personal, joint, and business accounts, savings, loans, overdrafts, and mortgages via a mobile-first platform. Licensed by the PRA and FCA, it provides real-time spending notifications, budgeting tools, and fee-free foreign transactions. Founded in 2015 as Mondo, it rebranded in 2016 and serves over nine million customers.

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