Monzo

???? We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.

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 ❤️

Hear from our UK team about what it's like working at Monzo ✨

Monzo US ????????

We launched in the US in 2022 with the goal of building a better kind of bank. So far, we’ve introduced personal accounts, joint accounts, savings (3.75% APY), rewards (2% cash back), and virtual cards, with more to come.

Over the next few years, we’re aiming to expand our product offering significantly and reach millions of customers across the US. Backed by over $600M in new funding, we’re building on the strength of our UK platform while tailoring everything to the needs of US customers—from features to support to regulation.

We’re not here to push products—we’re here to solve problems and help people feel better about their money. With beautifully designed features, a simple and intuitive app, and standout customer service, we’re focused on building a product people genuinely love.

We foster an open and inclusive working environment. We contribute to open source software and engage continually with our wonderful community. We’re hiring talented, creative problem-solvers to help us build the bank of the future. Join us!

About the Role

We’re looking for an experienced and impact-driven Head of Engineering to lead our growing US engineering team as we scale Monzo across the US market.

This is a unique opportunity to shape the future of our product in the US. You’ll lead and scale a full-stack team that’s already live with checking, savings, and money management tools; serving 150,000 customers and retaining strongly. We’re now entering our next phase of growth in the US and aiming to reach millions of customers over the next few years.

You’ll report directly to the US CEO and work closely with senior leaders across product, design, marketing and operations. You’ll be responsible for engineering performance and execution in the US, with the autonomy to make technical and product decisions locally—while also benefiting from Monzo’s proven UK platform, tools and infrastructure.

What you’ll be doing:

• Reporting directly to the US CEO and working closely with senior leaders across product, design, marketing and operations. Leading and scaling a US-based engineering organization
• Driving technical delivery of our US product roadmap, including platform decisions and customer-facing features
• Collaborating with cross-functional leads to set direction, align teams, and measure the impact of our work
• Making pragmatic build vs buy decisions to deliver quickly and effectively
• Hiring, developing and supporting high-performing engineers and engineering managers
• Fostering a culture of trust, inclusion, and accountability

You should apply if:

• You’ve led engineering organizations of 40+ people and supported other leaders through scaling and change
• You’re a strong people manager who builds high-performing teams and supports others to succeed
• You care deeply about building products that solve real customer needs, and you take a thoughtful, data-informed approach to defining success
• You have extensive experience delivering high-quality consumer-facing digital products, ideally in fast-paced or high-growth environments
• You can get into the technical detail when needed to guide teams, spot issues or unblock progress
• You’re confident working with data to inform decisions and challenge assumptions
• You’re comfortable navigating ambiguity and excited by the opportunity to shape a product and organization in a growing market

Interview process

Our interview process involves an initial 30 min informal recruiter call followed by two main stages:

1. Initial Call (1 hour) You'll meet one of our Senior leadership team (Either our US CEO or VP of Eng in the UK). We’ll ask you about your previous experience, in particular people leadership, your experience building technology and products and gauging two-way interest.
2. Loop Stage (3 hours) The Loop stage consists of 3 x 60 min interviews that take place over 1-2 days depending on your availability. (details below)

Loop Stage info:

• Team and Org Management (1 hour)

An example based interview with 1-2 engineering leaders. They’re interested to hear examples from your previous experience on the teams you’ve led, how you’ve shaped and partnered with other functions like Product and Design, and the impact you had.

• Technical Project Deep Dive (1 hour)

You'll partner with an engineer where we want you to take us through a project of your own design that you have implemented and contributed significantly to. It could be mega technical and systems heavy or a product feature that had a strong engineering component

• Behavioral (1 hour)

Similar to Team and Org Management, this is an example based interview with leaders from the US team. This interview focuses on your people leadership style.

Our average process takes around 3-4 weeks but we will always work around your availability. You’ll have the chance to speak to our recruitment team throughout the process. Please let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason.

???? What’s in it for you

We offer a competitive salary and a pretty great benefits package.

???? This role is hybrid based out of our San Francisco office

???? Learning budget of $1,500 a year for books, training courses and conferences

???? Generous 401k with 4% employer match

#LI-AL1

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, 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 ????

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