Backend Engineer III

Monzo

United States

United States

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À propos

At Monzo, were 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, were 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 its 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 isnt just our product its our people. Were 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 peoples lives. If youre ready to make a difference and help build a bank that rewards people for being themselves, come join us. Lets grow together. About Us 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, weve built a banking app that our customers love with extremely high daily engagement, an industry?leading net promoter score, and award?winning customer support. Weve raised over $1?billion from Capital G, Googles growth fund, Ribbit Capital, TenCent, YCombinator, Stripe, Coatue, and others most recently at a $5.9?billion valuation in 2024. Were just getting started in the US. Were an agile full?stack team operating like an early?stage startup but with the financial, operational, and engineering platform muscle of a larger company. Were focused on building an amazing US product, shipping and iterating quickly, and deepening our product?market fit. Were looking for highly driven, enterprising people to help us achieve our mission to make money work for everyone. About our Engineering Team: 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 youll 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 youll build the Monzo US application. Youll 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, wed love to talk to you. How we work ????: Locations & Flexible Working : Our main tech hub is in New York, but our engineers live everywhere in the US. We value meeting in person but theres no pressure to come into the office, even if you're nearby. We believe youll do your best work if you are where you want to be. If you live outside New York 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. Teams also schedule time together often for work and play in or around the office, or online. Set up a work schedule that delivers impact and fits your life. At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. Youll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop?offs and pick?ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. ????? Work the way that works for you with Monzo! ???? You should apply if:
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. Youre comfortable working in a team that deals with ambiguity. Youre interested in distributed systems and writing resilient software. You have some experience with strongly?typed languages (Go, Java, C, Scala, etc.). You think youd enjoy the kind of work were doing. Not ticking every box? Thats totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, were dedicated to creating a diverse and welcoming team. If youre passionate about this role and keen to learn and grow with us, we encourage you to apply even if you dont have everything thats listed just yet. Drop us your application, wed love to hear from you! What youll be working on:
We hire very technically agnostic; so whilst we use the below technologies we do not expect prior knowledge, you will be fully supported in our organised onboarding to get up to speed in the below: Go
to write our application code (theres an excellent interactive Go tutorial
here
) AWS
for most of our production infrastructure and
GCP
for most of our data infrastructure React for our public web apps and internal tools We also have physical data centres with actual cables to connect to various third parties The Interview Process:
Our interview process involves three main stages: Initial Call Take home task or pair coding exercise Final interview: including a system design and a behavioural interview Our average process takes around 4?weeks but we will always work around your availability. One of our engineers has written a detailed blog on their experience through this process; for extra details, hints and tips please see
here . Whats in it for you:
?? 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 Our EEO Commitment
Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. Making Monzo work for everyone starts right at the beginning of every Monzonauts journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. Itll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is: Voluntary . And weve included a prefer not to say option for every question. Itd be helpful if you still fill out the survey even if you choose prefer not to say for every question, as its useful for us to understand & record this. We wont know if you choose to fill this survey in or not. Anonymous to Monzo . We cant tie your responses to you and they wont make a difference to the outcome of your application. Well only use grouped responses for equal opportunities monitoring in our hiring process. By filling out this survey, you agree that we can use your responses for the purposes weve mentioned above. You are not letting us know if we need to make any adjustments to the hiring process because of disability or neurodiversity to do this please email us. #J-18808-Ljbffr

United States

Compétences linguistiques

English

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