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Analytics Engineering Lead, Borrowing

🚀 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 ❤️

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


⭐Our Borrowing Data Team:

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them to achieve something in their lives - whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely. 

Data is crucial to the success of this mission and Borrowing Analytics Engineers are at the core of how we build, scale and re-architect our Borrowing Data Warehouse to enable Monzo to make better decisions, faster, and help serve Monzo’s customers better.

🔑You’ll play a key role by...

  • Serving as a data architect for Monzo’s Borrowing data, contributing to the design and scalability of data models that measure the performance of our Borrowing product suite.
  • Develop robust data models downstream of backend services, primarily in BigQuery, to support internal reporting, machine learning, as well as financial and regulatory use cases.
  • Scoping, building and leading through others the re-architecture of entire domains across Borrowing.
  • Be a key voice in shaping and maintaining best practices for our Data Warehouse, including source data payload design, logical data modelling, implementation, metadata, and testing standards.
  • Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
  • Contribute to prioritising data governance issues, ensuring a comprehensive approach to data integrity and compliance.
  • Being a key technical leader who’s able to champion central platform initiatives that aim to elevate the data standards across Borrowing and beyond. 
  • We all own and support the pipelines we contribute to, and on call support out of hours will be expected from time to time as part of this role

🤩We’d love to hear from you :

  • You have a strong passion for data modelling, ETL projects, and Big Data.
  • You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
  • SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
  • You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
  • You have experience building robust and reliable data sets that require a high level of control.
  • You enjoy working with cross functional fast moving teams and are passionate about serving our borrowing customers.
  • You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
  • You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
  • You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
  • You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
  • You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Borrowing and Analytics Engineering.
  • Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

The interview process:

Our interview process involves 3 main stages: 

  • Initial Call

  • Take home task

  • Final Stage

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on also use that email to 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 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



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, 2022 Diversity and Inclusion Report and 2023 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.

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We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor.


👤 Identity survey

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. 

Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is:

  • Voluntary. And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not.
  • Anonymous to Monzo. We can't tie your responses to you and they won't make a difference to the outcome of your application. We'll only use grouped responses for equal opportunities monitoring in our hiring process.

For more information on how we'll use this data, please read our candidate privacy notice.

By filling out this survey, you agree that we can use your responses for the purposes we've mentioned above. You are not letting us know if we need to make any adjustments to the hiring process because of disability or neurodiversity - to do this please email us.