Backend Engineer III

Monzo•New York, NY

4d•Hybrid

About The Position

At Monzo, we’re building the future of digital banking - one that puts people first, not fees. We believe money should work for everyone, helping you grow, save, and spend in ways that actually fit your life. We started in the UK and became one of the most loved digital banks, trusted by millions. Now, we’re bringing that same energy, innovation, and heart to the US, empowering people to take control of their finances with clarity, simplicity, and confidence. Our US team is on a mission to make digital banking that grows your money, your way. Whether it’s cashback rewards that fit your real habits, high-yield savings with no hidden catches, or smart budgeting tools that simplify life, everything we build is designed to lift people up, not trip them up But what truly sets Monzo apart isn’t just our product - it’s our people. We’re a team of builders, problem-solvers, and big thinkers united by a shared belief that finance can (and should) be fair, transparent, and empowering. We care deeply about the work we do and the impact it has on real people’s lives. If you’re ready to make a difference and help build a bank that rewards people for being themselves, come join us. Let’s grow together. Monzo Group is a leading financial technology company, with over 13 million customers in the UK, committed to providing modern banking solutions. In the last few years, we’ve built a banking app that our customers love – with extremely high daily engagement, an industry leading net promoter score, and award-winning customer support. We’ve raised over $1 billion from Capital G, Google’s growth fund, Ribbit Capital, TenCent, YCombinator, Stripe, Coatue, and others - most recently at a $5.9 billion valuation in 2024. We’re just getting started in the US. We’re an agile full stack team operating like an early stage startup but with the financial, operational, and engineering platform muscle of a larger company. We’re focused on building an amazing US product, shipping and iterating quickly, and deepening our product market fit. We’re looking for highly driven, enterprising people to help us achieve our mission to make money work for everyone. We are a team of 20 engineers working in a startup environment and on a mission to make digital banking work for everyone in the US. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want. Engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company. These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. There is scope for impact across a huge number of opportunities. This role is all about collaborating with your team to make a difference to your customers. As a backend engineer you’ll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more! Together you’ll build the Monzo US application. You’ll work with squads across collectives (a word we use to describe self-governing business units of ~100 people). We do not ask for formal qualifications or degree requirements, our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you.

Requirements

you have strong experience working on the backend of a technology product
you want to be involved in building a product that you (and the people you know) use every day
you have a product mindset: you care about customer outcomes and you want to make data-informed decisions
you’re comfortable working in a team that deals with ambiguity
you’re interested in distributed systems and writing resilient software
you have some experience with strongly-typed languages (Go, Java, C, Scala etc.).
you think you’d enjoy the kind of work we’re doing

Benefits

$161,500 - $218,500 base salary➕ plus stock options
We can help you relocate to New York
We can sponsor visas.
This role can be based in our New York office, but we're open to distributed working within the US (with ad hoc meetings in New York).
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. Work the way that works for you with Monzo!
And much more, see our full list of benefits here

Stand Out From the Crowd

Upload your resume and get instant feedback on how well it matches this job.

Upload and Match Resume