Staff Analytics Engineer

• Shape how Borrowing builds and uses data at scale, reporting to the Borrowing Data Director. • Work across Borrowing, one of Monzo's most complex and fastest-growing domains, spanning 12+ products across multiple geographies and 1,700+ data models. • Join in the middle of a major data architecture transformation, with expansion into new markets and a new generation of data infrastructure being built. • Partner across product, credit, engineering, Data Platform, and analytics engineering to turn complex technical problems into clearer systems and better business decisions. • Lead through influence rather than line management, multiplying the impact of analytics engineers across the domain. • Work from London, Cardiff, or fully remote within the UK, with ad hoc meetings in London.

• Think in systems rather than queries, having designed data architectures spanning multiple products or domains and kept them coherent as they scale. • Turn ambiguous problems into a clear technical direction, delivery sequence, and set of trade-offs. • Have built data products rather than just data models, defining SLAs, contracts, interfaces, or ownership models for data consumers. • Bring deep fluency with analytics engineering systems and infrastructure, including dbt at scale, BigQuery or equivalent, CI/CD for data, testing frameworks, and orchestration. • Have hit the scaling limits of those tools and know what to do about them. • Design reusable feature layers serving ML pipelines, dashboards, decisioning engines, and regulatory reporting, understanding the trade-offs between freshness, cost, granularity, correctness, and ease of use. • Work comfortably at the platform boundary, discussing ingestion patterns, streaming versus batch, schema evolution, and infrastructure costs with Data Platform engineers. • Connect technical choices to business outcomes, using context from product, credit, engineering, and operational teams to align people around better decisions. • Lead through others by setting patterns, reviewing designs, unblocking teams, and raising the standard rather than being the single expert. • Communicate across altitudes, whiteboarding architecture with a backend engineer and presenting a strategic roadmap to a director. • Care about credit products and the complexity of lending, including risk, affordability, regulatory constraints, and multi-product dynamics.

• Bring hands-on experience with lending or credit data specifically, though curiosity about the domain is enough. • Have designed feature stores serving multiple downstream consumers in production. • Have shaped developer experience and tooling for a data organisation of 80 or more people. • Have worked on data models spanning multiple geographies or regulatory regimes. • Use a preferred name to apply, as Monzo does not need full or birth names at application stage.

• Architect Borrowing's data layer at scale, shaping how 1,700+ models across 12+ products are structured, connected, and evolved. • Set shared patterns that help teams build trusted, consistent, scalable data products across Borrowing. • Design and govern data products, moving beyond ad-hoc tables toward contractual data assets with clear ownership, SLAs, documentation, and interfaces. • Define what makes a Borrowing dataset production-grade and consumable by analytics, ML, decisioning, and regulatory teams. • Build feature stores and reusable analytical assets, identifying cross-product signals such as credit behaviour, repayment patterns, affordability, and risk indicators that should be modelled once and consumed by many. • Scale the analytics engineering infrastructure, shaping tooling, patterns, and developer experience for an 80+ person credit and data organisation. • Partner with the central Data Platform team so Borrowing's needs are reflected in ingestion, streaming, and schema contract design. • Drive cross-product data consistency as the domain expands across geographies and product lines. • Act as senior technical partner across backend engineering, product measurement strategy, credit decisioning data, and senior leadership.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £121,600 to £164,600 plus incentive awards tied to your performance. • Get help relocating to the UK. • Get visa sponsorship, which Monzo offers for this role. • Work from the London office or distributed within the UK, with only ad hoc meetings in London. • Set your own hours, with Monzo trusting you to work enough to do the job well at times that suit you and your team. • Spend a £1,000 annual learning budget on books, training courses, and conferences. • Shape how an entire domain builds data without taking on line management. • Interview across three stages, typically taking three to four weeks.

Monzo is on a mission to make money work for everyone, moving away from the complicated and confusing ways of traditional banking. Starting as a prepaid card, it now offers personal and business bank accounts, joint accounts, accounts for 16 to 17 year olds, a free kids account, and credit cards in the UK, alongside saving, investing, and pension consolidation. The Borrowing team's mission is to help people achieve their financial goals through better borrowing, building products customers love while safely scaling some of Monzo's biggest revenue lines.