Monzo
Engineering Manager, Credit San Francisco
Monzo, San Francisco, California, United States, 94199
We’re on a mission to make money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.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!We’re not about selling products - we want to solve problems and change lives through Monzo.This role will be based in our San Francisco office, on a hybrid basis (2 days per week) | $195,000 - $245,000 Base Salary + Stock options.About Us
Monzo customers are seven times more likely to use the word “Love” when describing us compared to any other bank. In less than a decade, we’ve transformed from a new challenger bank to the UK’s leading mobile bank, serving over 10 million people (20% of UK adults). Our mission is to redefine how people feel about money—eliminating stress, anxiety, and self-doubt, and making money work for everyone.We’ve raised over $1 billion from investors like YCombinator, Stripe, Coatue, Eric Schmidt, and Mike Moritz, with our latest valuation at $5 billion. Our competitive edge lies in our tech-centric approach in an industry where software is just beginning to make its mark.We’re just getting started in the US. We launched our checking account and money management product in 2022, followed by our savings product in 2024. Our small but mighty team operates like an early-stage startup, backed by the financial, operational, and engineering strength of a larger company. We focus on building an exceptional US product, iterating quickly, and finding product-market fit. We seek driven, gritty, and enterprising individuals to help us achieve our mission to make money work for everyone.We foster an
open
and
inclusive
working environment. We contribute to
open source software
and engage continually with our wonderful community. We’re hiring talented, creative problem-solvers to help us build the bank of the future. Join us!About the Role
We’re in the early stages of developing a new credit product designed to improve spending rewards and promote healthy habits for paying down credit card bills. As the Engineering Manager for the Credit team, you will play a crucial role in this mission. Your responsibilities will encompass three key areas:People Leadership:
You will support and develop top-tier engineering talent while fostering an inclusive and productive team environment.Product Leadership:
You will shape the product strategy alongside Product and Design to ensure it meets customer needs and drives business success.Technical Leadership:
You will oversee the technical and delivery outcomes of our emerging Credit business.The team will start small, with just a few engineers, requiring you to get your hands dirty and contribute directly to the codebase. As the product and business scale, you will have the opportunity to expand and build out the team further.This position will report to the US Head of Engineering.Is this role right for you?We’re looking for an experienced manager who has a strong technical background and has worked as a software engineer in previous roles. Here’s what we’re looking for:Proven Track Record:
History of shipping products and leading teams in high-growth, product-focused organizations.Management and Leadership Experience:
2+ years managing high-performance engineering teams.Technical Expertise:
5+ years building high-growth technology products using strongly-typed languages (Go, Java, C, Scala, etc.).Hands-on Approach:
You are eager to contribute to design and code alongside your team.Credit Product Experience:
Experience building credit products.Delivery and Execution:
You take accountability for delivery across your team.Product Mindset:
You care deeply about customer outcomes.Engineering Excellence:
Fostering a high bar for engineering excellence.Balanced Decision-Making:
Ability to make trade-offs between product velocity and technical debt.Technical Influence:
Partnering with senior engineers to drive initiatives.Stakeholder Relationships:
Building strong relationships with other teams.Our interview process involves three main stages:Recruiter Call (30 mins)
- Discuss your experience and learn more about Monzo.Initial Call (1 hour)
- Meet Nathan, our US Head of Engineering.Loop Stage (3 hours)
- Consists of 3 x 60 min interviews.LocationThis role will be based in San Francisco. We work 2 days a week at our office in downtown San Francisco.Stock OptionsGenerous 401k with 4% employer match32 days of vacation and public holidays per yearMaternity / Paternity leaveFlexible working hoursSnippets of Monzo CultureOur mission of financial inclusion.Diversity and inclusion are a priority for us. We’re 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.
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Monzo customers are seven times more likely to use the word “Love” when describing us compared to any other bank. In less than a decade, we’ve transformed from a new challenger bank to the UK’s leading mobile bank, serving over 10 million people (20% of UK adults). Our mission is to redefine how people feel about money—eliminating stress, anxiety, and self-doubt, and making money work for everyone.We’ve raised over $1 billion from investors like YCombinator, Stripe, Coatue, Eric Schmidt, and Mike Moritz, with our latest valuation at $5 billion. Our competitive edge lies in our tech-centric approach in an industry where software is just beginning to make its mark.We’re just getting started in the US. We launched our checking account and money management product in 2022, followed by our savings product in 2024. Our small but mighty team operates like an early-stage startup, backed by the financial, operational, and engineering strength of a larger company. We focus on building an exceptional US product, iterating quickly, and finding product-market fit. We seek driven, gritty, and enterprising individuals to help us achieve our mission to make money work for everyone.We foster an
open
and
inclusive
working environment. We contribute to
open source software
and engage continually with our wonderful community. We’re hiring talented, creative problem-solvers to help us build the bank of the future. Join us!About the Role
We’re in the early stages of developing a new credit product designed to improve spending rewards and promote healthy habits for paying down credit card bills. As the Engineering Manager for the Credit team, you will play a crucial role in this mission. Your responsibilities will encompass three key areas:People Leadership:
You will support and develop top-tier engineering talent while fostering an inclusive and productive team environment.Product Leadership:
You will shape the product strategy alongside Product and Design to ensure it meets customer needs and drives business success.Technical Leadership:
You will oversee the technical and delivery outcomes of our emerging Credit business.The team will start small, with just a few engineers, requiring you to get your hands dirty and contribute directly to the codebase. As the product and business scale, you will have the opportunity to expand and build out the team further.This position will report to the US Head of Engineering.Is this role right for you?We’re looking for an experienced manager who has a strong technical background and has worked as a software engineer in previous roles. Here’s what we’re looking for:Proven Track Record:
History of shipping products and leading teams in high-growth, product-focused organizations.Management and Leadership Experience:
2+ years managing high-performance engineering teams.Technical Expertise:
5+ years building high-growth technology products using strongly-typed languages (Go, Java, C, Scala, etc.).Hands-on Approach:
You are eager to contribute to design and code alongside your team.Credit Product Experience:
Experience building credit products.Delivery and Execution:
You take accountability for delivery across your team.Product Mindset:
You care deeply about customer outcomes.Engineering Excellence:
Fostering a high bar for engineering excellence.Balanced Decision-Making:
Ability to make trade-offs between product velocity and technical debt.Technical Influence:
Partnering with senior engineers to drive initiatives.Stakeholder Relationships:
Building strong relationships with other teams.Our interview process involves three main stages:Recruiter Call (30 mins)
- Discuss your experience and learn more about Monzo.Initial Call (1 hour)
- Meet Nathan, our US Head of Engineering.Loop Stage (3 hours)
- Consists of 3 x 60 min interviews.LocationThis role will be based in San Francisco. We work 2 days a week at our office in downtown San Francisco.Stock OptionsGenerous 401k with 4% employer match32 days of vacation and public holidays per yearMaternity / Paternity leaveFlexible working hoursSnippets of Monzo CultureOur mission of financial inclusion.Diversity and inclusion are a priority for us. We’re 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.
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