
Job Overview
Location
Cardiff, London or Remote (UK)
Job Type
Full-time
Category
Software Engineer
Date Posted
February 24, 2026
Full Job Description
đź“‹ Description
- • **Join Monzo's mission to make money work for everyone by revolutionizing banking through technology.** We are moving away from the complex and often confusing traditional banking models, offering a suite of innovative products including personal and business accounts, joint accounts, accounts for 16-17 year olds, a free kids account, credit cards, savings, investments, and pension consolidation. Our award-winning customer service, distinctive hot coral cards, and early payday feature have consistently created magical moments for our customers.
- • **The Product Integrity team is at the forefront of scaling Monzo's success.** Our core mission is to enable Monzo to expand globally and across diverse regulatory landscapes without a proportional increase in cost, risk, or manual effort. We focus on solving high-leverage, complex problems that are critical to maintaining and enhancing product quality as the company grows.
- • **Key focus areas for Product Integrity include:**
- • **Understanding and reducing the Cost of Quality (CoQ):** We are developing a robust and trustworthy model to identify the sources of quality costs, such as defects, rework, incidents, and manual checks. The insights gained will be used to significantly reduce waste and mitigate risks over time.
- • **Scaling quality across diverse markets and locales:** As Monzo expands internationally, we need scalable solutions to validate correctness, localization, and customer experience without relying on manual, market-specific Quality Assurance. This involves addressing localization QA challenges at scale and maintaining confidence as products span multiple countries, currencies, and languages.
- • **Building confidence through signal, not ceremony:** Empowering teams to clearly understand where strong quality signals exist and where they are lacking for critical customer journeys. The objective is not to increase the number of tests, but to ensure the right signals are present in the right places to facilitate fast and confident delivery.
- • **Reducing noise while preserving our incident culture:** Proactively identifying and resolving minor issues before they escalate into Sev-1 or Sev-2 incidents, while upholding Monzo's values-driven approach to incident management and continuous learning.
- • **Leveraging AI to transform quality economics:** Exploring and implementing AI-driven solutions to shift from reactive, manual quality processes to proactive, scalable systems. This includes AI's application in test generation, defect triage, and root-cause analysis, aiming to increase organizational leverage rather than introducing more process.
- • **As a Staff Software Engineer, you will be a technical leader (IC) with broad influence.** You will collaborate with various teams to drive Monzo's growth and technological advancement. Your responsibilities will include:
- • **Hands-on technical contributions:** Utilizing your software engineering and system-building expertise to tackle deep technical challenges and contribute directly to code.
- • **Driving behavioral change and accountability:** Using data to influence technical and non-technical stakeholders across teams and domains, fostering a culture of shared responsibility for quality.
- • **Setting technical and strategic direction:** Defining the technical and strategic roadmap for an area that spans backend systems, data pipelines, mobile clients, CI/CD, release processes, and analytics.
- • **Strengthening the reliability surface:** Developing a deep understanding of our platform and enhancing the reliability mechanisms between teams, creating tools, patterns, and guardrails that make resilient choices the default.
- • **Promoting a culture of quality:** Ensuring every engineer feels supported and confident in Monzo's quality and product integrity standards.
- • **Providing technical leadership and mentorship:** Understanding multiple workstreams within your group to offer regular technical advice and constructive challenges to other engineers.
- • **Leading architectural discussions:** Guiding architectural decisions for complex systems to ensure robust and optimal solutions.
- • **Championing high standards:** Celebrating successes and providing constructive feedback to foster team improvement.
- • **Mentoring and upskilling engineers:** Proactively mentoring, sponsoring, and developing the skills of engineers within the team.
- • **We are looking for individuals with a strong foundation in modern platform tooling and practical software development.** Key attributes include:
- • **Robust software engineering fundamentals:** Significant experience designing, building, testing, and operating resilient backend services using strongly-typed languages.
- • **Proven expertise in quality at scale:** Demonstrated experience with E2E testing, reliability engineering practices, and signal-driven quality methodologies.
- • **Experience with platform tooling or shared systems:** Proven ability to design or evolve systems used by multiple engineering teams.
- • **Influence without authority:** The capacity to guide technical direction through data, clear thinking, and effective communication, even without formal management roles.
- • **Comfort with ambiguity:** Ability to navigate and thrive in evolving problem spaces, balancing immediate needs with long-term strategic impact.
- • **Improving developer experience:** A track record of enhancing developer productivity and delivery outcomes through improved systems, tooling, or practices.
- • **This role emphasizes systems thinking and leverage, not just test automation.** You will focus on solving quality challenges at scale and building capabilities that make high quality an inherent outcome of our development processes.
- • **Our technology stack includes:** Go for application development, Cassandra for data storage, Kafka for messaging, Kubernetes and Docker for orchestration, AWS and GCP for infrastructure, React for internal dashboards, and Feast for feature store management in ML pipelines.
- • **We encourage applications from individuals who:** possess a track record of technical excellence in delivering resilient systems, have led teams in solving complex product challenges, have experience with backend, data-intensive, or ML systems, are passionate about contributing to a product used by millions, have a quantitative mindset, and are comfortable navigating ambiguity.
Skills & Technologies
Go
React
Cassandra
AWS
GCP
Senior
Remote
ÂŁ115k-150k
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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