Lead Analytics Engineer

Were on a mission to make money work for everyone.

Were 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 aspersonal 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 andcombine 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!

Were not about selling products - we want to solve problems and change lives through Monzo

London Cardiff or Remote in the (UK) 97800 -125000 Incentive Awards tied to your performance andBenefits Hear from the team

Our team:

Our Mission in Operations is to deliver an effortless experience for everyone - helping Monzo deliver on its mission of making money work for everyone.

Data is crucial to the success of this mission and Operations Analytics Engineers are at the core of how we build scale and re-architect our Operations Data Warehouse to enable Monzo to make better decisions faster and help serve Monzos customers better.

Were looking for a Lead Analytics Engineer within our Operations team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new markets and working with partners internally and externally to ensure we can design and build a first class system to meet our customers needs.

At Monzo were building a bank that is fair transparent and a delight to use. Were growing extremely fast and have over 10 million customers in the UK with over 200000 new people joining every month. Weve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.

This is a great opportunity to shape the future direction of how we serve our customers enabling data to ensure we can provide a world class efficient service for all of Monzos customers as we lay the foundations to build a best in class analytics function. Youll work closely within our Operations Collective with product and engineering teams to build out our forecasting and routing systems while partnering with our core operations team to enable a fast and agile workforce.

We have a strong culture of data-driven decision making across the whole company. And were great believers in powerful real-time analytics and empowerment of the wider business.

Your day-to-day:

Your responsibilities as a Lead Analytics Engineer will include :

• Serving as a data architect for Monzos Operations data contributing to the design and scalability of data models that measure the performance of our Operations product suite.
• Develop robust data models downstream of backend services primarily in BigQuery to support internal reporting machine learning large language models as well as financial and regulatory use cases.
• Scoping building and leading through others the re-architecture of entire domains across Operations (including data about our workforce and about demands of our customers)
• Be a key voice in shaping and maintaining best practices for our Data Warehouse including source data payload design logical data modelling implementation metadata and testing standards.
• Collaboratively set standards and work with data across Monzo fostering knowledge sharing and continuously improving data practices.
• Contribute to prioritising data governance issues ensuring a comprehensive approach to data integrity and compliance.
• Being a key technical leader whos able to champion central platform initiatives that aim to elevate the data standards across Operations and beyond.
• We all own and support the pipelines we contribute to and on call support out of hours will be expected from time to time as part of this role.

Locations & flexible working:

Our main tech hub is in London but our data teams are based all over the UK.

We love meeting in person but theres no pressure to come into the office even if youre nearby. Youll do your best work where you feel most comfortable.

We value flexibility connection and wellbeing. Youll have the freedom to work in a way that fits your life whether thats school drop-offs avoiding rush hour or making time for what matters most.

Work the way that works for you at Monzo!

You should apply if:

• You have a strong passion for data modelling ETL projects and Big Data.
• You enjoy working with data streams from various services such as financial transactional and operational systems.
• SQL and data modelling are second nature to you and you are comfortable with general Data Warehousing concepts.
• You are committed to continuous improvement proactively identifying opportunities and addressing challenges in your work and the work of others.
• You have experience building robust and reliable data sets that require a high level of control.
• You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
• You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
• You are excited about enabling other data scientists analytics engineers and credit analysts by sharing your expertise on data architecture.
• You have the ability to shape big ambiguous data domains and get the required buy-in from key leaders across the business.
• You are able to shape and manage the technical roadmap of an entire domain and execute against the project plans deliverables.
• You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Operations and Analytics Engineering.
• Excel in cross-functional stakeholder communication (back-end engineers product managers and credit analysts) while also effectively engaging with senior technical leaders.

Interview process

Our typical process is structured as:

• Recruiter call
• Initial call
• Technical task
• 3 x 1 hours sessions (final interview)

Our average process takes around 3-4 weeks but we will always work around your availability.

Whats in it for you:

base

We can help you relocate to the UK

We can sponsor visas

This role can be based in our London office but were open to distributed working within the UK (with ad hoc meetings in London).

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.

Learning budget of 1000 a year for books training courses and conferences

And much more see our full list of benefits here

#LI-AS #LI-Remote

Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

Were 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 dont need full or birth names at application stage