Back to jobs

Engineering Manager

San Francisco

🚀 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 ✨

 

📍This role will be based in our San Francisco office, on a hybrid basis (2 days per week) | $195,000 - $255,000 Base Salary + Stock options

About Us

Monzo customers are seven times more likely to use the word “Love” when describing us compared to any other bank. In less than a decade, we’ve transformed from a new challenger bank to the UK’s leading mobile bank, serving over 10 million people (20% of UK adults). As we look to the future, our mission is to redefine how people feel about money—eliminating stress, anxiety, and self-doubt, and making money work for everyone.

We’re not slowing down. We’ve raised over $1 billion from investors like YCombinator, Stripe, Coatue, Eric Schmidt, and Mike Moritz, with our latest valuation at $5 billion. Our competitive edge lies in our tech-centric approach in an industry where software is just beginning to make its mark. For instance, we built our own core banking system from scratch!

We’re just getting started in the US. We launched our checking account and money management product in 2022, followed by our savings product in 2024. Our small but mighty team operates like an early-stage startup, backed by the financial, operational, and engineering strength of a larger company. We focus on building an exceptional US product, iterating quickly, and finding product-market fit. We seek driven, gritty, and enterprising individuals to help us achieve our mission to make money work for everyone.

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 in the early stages of developing a new credit product designed to improve spending rewards and promote healthy habits for paying down credit card bills. The credit industry often causes stress with unaffordable repayment plans, hidden fees, and confusing jargon. Our goal is to offer a better solution that truly helps people achieve their financial goals.

As the Engineering Manager for the Credit team, you will play a crucial role in this mission. Your responsibilities will encompass three key areas: 

  1. People Leadership: You will support and develop top-tier engineering talent while fostering an inclusive and productive team environment.
  2. Product Leadership: You will shape the product strategy alongside Product and Design to ensure it meets customer needs and drives business success. We operate as an empowered product team, so you’ll need to collaborate closely across functions to drive the success of our new credit product.
  3. Technical Leadership: You will oversee the technical and delivery outcomes of our emerging Credit business. You will build and lead an engineering team dedicated to designing, developing, and launching the new credit product and its mission-critical infrastructure.

The team will start small, with just a few engineers, requiring you to get your hands dirty and contribute directly to the codebase. As the product and business scale, you will have the opportunity to expand and build out the team further.

This position will report to the US Head of Engineering.

Is this role right for you?

We’re looking for an experienced manager who has a strong technical  background and has worked as a software engineer in previous roles. Here’s what we’re looking for: 

  • Proven Track Record: History of shipping products, getting things done, and leading teams in high-growth, product-focused organizations.
  • Management and Leadership Experience: 2+ years managing high-performance engineering teams, with a focus on people leadership, providing support, coaching, and development.
  • Technical Expertise: 5+ years building high-growth technology products using strongly-typed languages (Go, Java, C, Scala, etc.)
  • Hands-on Approach: You are eager to contribute to design and code alongside your team.
  • Delivery and Execution: You take accountability for delivery across your team. You collaborate with your team, Product, and Design in shaping your team’s roadmap. 
  • Product Mindset: You care deeply about customer outcomes and want to build a product that fundamentally changes how users manage their money.
  • Engineering Excellence: Fostering a high bar for engineering excellence, holding teams accountable for technical outcomes and individual growth.
  • Balanced Decision-Making: Ability to make trade-offs between product velocity and technical debt, with the understanding that as a startup, we are “default dead.”
  • Technical Influence: Partnering with senior engineers to drive initiatives that elevate engineering practices.
  • Stakeholder Relationships: Building strong relationships with other teams and disciplines to create a focused environment for engineers to do their best work.

Interview process

Our interview process involves three main stages:

  1. Recruiter Call (30 mins) You'll meet our recruiter to discuss your experience and learn more about Monzo. They'll be your partner and guide throughout the interview process.

  2. Initial Call (1 hour) You'll meet Nathan - our US Head of Engineering. He’ll ask you about your previous experience, in particular people leadership and your experience building technology and products.

  3. 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). 

- 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.

- System Design (1 hour)
You'll partner with an engineer on a technical whiteboarding exercise.

- Behavioural and Leadership (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.

Location

This role will be based in San Francisco. We work 2 days a week at our office in downtown San Francisco. 

Benefits

  • 🏥 Great Health, Dental and Vision Insurance
  • 💲 Competitive salary
  • 📈 Stock Options
  • 💰 Generous 401k with 4% employer match
  • 🏝 32 days of vacation and public holidays per year (and we require that you take all of your days each year as we believe that well rested employees are more effective!)
  • Maternity / Paternity leave
  • 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.

Snippets of Monzo Culture

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, 2023 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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

Apply for this job

*

indicates a required field

Resume/CV

Accepted file types: pdf, doc, docx, txt, rtf

Select...

👤 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.

Select...
Select...
Select...
Select...
Select...
Select...

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in Monzo’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Select...
Select...
Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Select...

Voluntary Self-Identification of Disability

Form CC-305
Page 1 of 1
OMB Control Number 1250-0005
Expires 04/30/2026

Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Select...

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.