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Head of Engineering

San Francisco or New York City

🚀 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 American market. This is a unique opportunity to shape the future of a product that is already live with checking, savings, and money management tools, serving over 150,000 customers with strong retention, and to help us grow to millions more.

As Head of Engineering, you will report directly to the US CEO and work closely with senior leaders across product, design, marketing, and operations. You will be responsible for engineering performance and execution, with autonomy over technical and product decisions. You will also benefit from Monzo’s proven UK platform, tools, and infrastructure.

This role is critical to the next chapter of Monzo’s journey as we scale the US business, grow the team rapidly, and embed the best of Monzo’s global engineering culture locally.

What You Will Be Accountable For

  • The delivery, quality, and effectiveness of all technical implementation across Monzo US
  • The health, performance, and caliber of the US engineering organization
  • Scaling the team while maintaining urgency, cohesion, and delivery excellence
  • Building strong connections with Monzo Ltd. and the global engineering organization, bringing proven solutions, culture, and practices to the US while aligning with Monzo’s global execution model
  • Becoming a culture pole for Monzo in the US office and setting the tone for how we work, communicate, and grow

What You Will Be Doing

  • Leading and scaling a US-based engineering organization
  • Driving the technical delivery of our US product roadmap, from customer-facing features to platform decisions
  • Collaborating with cross-functional leads to set direction, align teams, and measure the impact of our work
  • Making thoughtful build versus buy decisions to move quickly and pragmatically
  • Hiring, developing, and supporting high-performing engineers and engineering managers
  • Fostering a culture of trust, inclusion, and accountability
  • Acting as a connector across Monzo by bringing in global context and sharing US expertise

You Should Apply If You:

  • Have led engineering organizations of ~100+ people, delivering high-scale, business-critical impact
  • Have managed and developed senior leaders and ICs, ideally including Directors
  • Have scaled lean, healthy teams quickly without losing agility or quality
  • Are a strong people leader who builds trust, sets high standards, and helps others thrive during change
  • Communicate clearly and persuasively across a wide range of audiences, from executives to engineers
  • Are deeply product-minded, with a strong sense of what matters to customers and how to measure success
  • Use data to guide decisions, challenge assumptions, and push for better solutions
  • Are excited to dive deep into technical detail when needed to unblock teams or spot issues early
  • Know how to balance product, commercial, and technical considerations to make well-rounded decisions
  • Bring a bias for action and do not let ambiguity slow you down
  • Are excited by the opportunity to gain deep technical expertise in financial systems and apply it to build something transformative

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 take an engineer through a project which you're most proud of. It should be something you implemented or contributed significantly to. It could be highly technical or a product feature that had a large 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-EP1

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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