Monzo

Senior Platform Engineer, Machine Learning

Cardiff, Wales, United Kingdom

£95,000 – £130,000Compensation
Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, BankingIndustries

About 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 ❤️

About Machine Learning Platform Engineering at Monzo

The Platform Collective builds and maintains the infrastructure, tools and processes that sets the rest of Monzo technology teams up for success. We work on a wide range of shared infrastructure, services and engineer tooling. The Machine Learning Platform team sits within the Platform Collective and is responsible for designing, building, and maintaining the infrastructure and tools which empower our teams to train, evaluate, deploy, and serve Machine Learning models and features at scale. Our team is made up of backend engineers with experience in the ML space, using our experience and curiosity to work with the ML teams to identify their needs, and test and build magically simple solutions.

How We Work

Locations & Flexible Working

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays. Teams also schedule time together often for work and play – in or around the office, or online.

What You'll Be Working With

We rely heavily on the following tools and technologies, please note direct experience in these technologies is not required and our interview process can be completed in any language:

  • Go: to write our application code (there’s an excellent interactive Go tutorial here), in platform we build services to manage parts of the platform
  • Python: to help build our machine learning models and develop features
  • Kubernetes: to run our workloads
  • AWS and GCP: to operate our platform. We use AWS for our primary banking platform and Google Cloud for our Data and Machine Learning platform
  • Terraform: is primarily how we manage any resources deployed into the cloud
  • Envoy Proxy: for our RPC service mesh

We’d Love to Hear From You If...

  • You have experience working with AWS and/or GCP
  • You are a hands on engineer with experience in building Machine Learning pipelines and the platforms that support them
  • You have experience working with Kubernetes
  • You’d be excited to build a platform that enables success for everyone at Monzo
  • You’re comfortable working in a team that deals with ambiguity
  • You’re naturally inclined to solve problems through automation
  • You have some experience with strongly typed languages, writing and working on backend software
  • You’re curious about systems and diving deep to investigate issues

We're on the look out for L50 Engineers at the moment, you can read more in our Engineering Progression Framework - we will interview you across the whole frame work, so if you are not sure what level

Skills

Machine Learning
Platform Engineering
Infrastructure
Tooling
Backend Engineering
MLOps
Model Training
Model Deployment
Model Serving

Monzo

Digital-only banking platform for consumers

About Monzo

Monzo operates as a digital-only banking platform focused on providing a modern way for individuals to manage their finances. Its main product is a mobile app that allows users to track their income, spending, and savings easily. The app includes features that help users save money, such as automatically setting aside a portion of their paycheck or rounding up transactions to the nearest dollar. Monzo generates revenue through interest on deposits, fees for certain services, and interchange fees from card transactions, as well as offering overdrafts and personal loans. What sets Monzo apart from traditional banks is its real-time balance updates and instant spending notifications, which help users stay informed about their finances. The goal of Monzo is to provide a convenient, mobile-first banking experience that meets the needs of its growing customer base, which has surpassed 8 million users.

London, United KingdomHeadquarters
2015Year Founded
$1,856.7MTotal Funding
LATE_VCCompany Stage
Fintech, Financial ServicesIndustries
1,001-5,000Employees

Benefits

Competitive salary
Flexible working hours
Work from home
Stock options
32 days of paid vacation and public holidays per year
Health insurance
EAP
Learning budget
Home office stipend
Paid parental leave

Risks

Monzo breached UK banking regulations, risking reputational damage and fines.
Expansion into Europe poses regulatory challenges and potential licensing delays.
Reliance on digital platforms makes Monzo vulnerable to technological disruptions.

Differentiation

Monzo offers real-time spending updates and categorized transactions via a mobile app.
The 'Pots' feature allows users to set aside money for specific purposes.
Monzo Plus provides premium features like custom card designs and travel insurance.

Upsides

Monzo secured $400M in 2024, valuing the bank at $5 billion.
The partnership with SignLive enhances accessibility for Deaf customers.
Expansion into Europe in 2025 could significantly increase Monzo's customer base.

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