Backend Engineer

Staff Backend Engineer, Monzo Bank

We’re on a mission to make money work for everyone. Monzo Bank is a leading financial technology company with over 13 million customers in the UK and is expanding rapidly in the US. We build a digital banking platform that is fast, reliable, and customer‑centric, and we’re looking for a Staff Backend Engineer to help shape the future of our U.S. product.

Monzo Group has raised more than $1 billion and currently operates a highly engaged consumer banking app. Our engineering culture is open, data‑driven, and focused on solving real problems for our millions of users.

Our U.S. engineering team consists of roughly 20 engineers working in a startup‑like environment. We focus on building new core capabilities for the U.S. market, working closely with our team in the UK to adapt existing products and architecture.

You will act as a technical multiplier, setting direction, designing scalable systems, and leading architectural decisions. Your responsibilities include:

• Writing and reviewing code in a strongly‑typed language such as Go, Java, C, or Scala.
• Designing and implementing distributed, resilient services that meet high throughput and low latency requirements.
• Mentoring engineers at all levels to raise the technical bar across the team.
• Collaboration with product, data, security, and operations teams to deliver quality features on schedule.
• Communicating complex ideas and technical trade‑offs effectively across organisations.

Based in New York City, we support a hybrid model that requires three days per week in the office. Flexibility around work hours is encouraged. Our culture values inclusion, autonomy, and continuous growth.

• You have strong backend engineering experience on a technology product.
• You care about customer outcomes and make data‑informed decisions.
• You thrive in an ambiguous, fast‑moving environment.
• You have experience with distributed systems and resilient software.
• You are proficient in a strongly‐typed language (Go, Java, C, Scala, etc.).
• You enjoy working on impactful products that people use every day.

• Go for application code.
• Cassandra for persistent storage.
• Kafka for asynchronous messaging.
• Kubernetes and Docker for deployment.
• Envoy for RPC routing.
• AWS for most infrastructure, GCP for data.
• React for public web applications and internal tools.

• Initial call.
• Take‑home task or pair‑coding exercise.
• Final interview: system design and behavioral.

The process typically takes four weeks but is flexible to fit your schedule.

• Base salary $221,000‑$299,000 plus stock options.
• Health, dental, and vision insurance.
• Generous 401(k) with 4% match.
• Flexible working hours and trust to manage your workload.
• 32 days of vacation and public holidays; we encourage you to use all your time off.
• Maternity and paternity leave.

Diversity and inclusion are top priorities for us. All applicants will be considered without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity, or disability status. Preferred names are accepted at the application stage.

We welcome applicants who are passionate about this role and eager to learn, even if you do not meet every single requirement.