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Backend Engineer II

Cardiff
£60k – £80k/yr
Posted about 6 hours ago
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📍London / UK Remote | 💰 Engineer II £60,000 - £80,000 + Benefits | Technology - Engineering |

About Our Engineering Teams

We have around 400 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so 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. As a bank, there is scope for impact across a huge number of opportunities.

We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do!

Your Day-to-Day

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 and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are: Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion. All of our collectives are doing innovative work, many of which have machine learning and AI at the forefront - from fighting financial crime to building smarter financial tools - and you may have the opportunity to join a collective that gives you direct exposure to this exciting space.

They’re all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need!

Reasons to use Rodeo

I’m in my final year doing Economics and I don’t know whether to apply for grad schemes now or do a masters first. What do you think?

Honest answer — it depends on where you want to end up. A lot of top grad schemes (Big 4, civil service, banking) don’t need a masters. Let’s look at the ones you’d be competitive for now, and we can decide if a masters actually adds anything.

Also worth knowing: most autumn 2026 applications are open now. Timing matters more than you think.

Start with a chat, not a search bar

Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.

P

Graduate Consultant — 2026 Scheme

PwC¡London, UK
ÂŁ35,000/yr

Why you're a good match

Strong

Your economics background and your summer at a regional bank line up with what PwC looks for on the consulting scheme. Applications close in four weeks.

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It searches the market for you

Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.

Why you're a good match

You’ve got the grades and the economics background, and your bank internship is exactly the experience this scheme looks for. Apply soon — deadlines close within the month.

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Strong

Experience fit

Your summer at the bank plus your econometrics coursework map directly to the day-one responsibilities on this scheme — client modelling, market briefings, and deal support.

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Strong

Only hits

No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.

Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles.

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
  • 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

We're on the look out for L30+ Engineers at the moment, you can read more in our Engineering Progression Framework. You will be interviewed across the whole framework, so if you're not sure what level you're aiming for chat to your recruiter!

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything thats listed just yet. Drop us your application, we’d love to hear from you!

What You’ll 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:

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  • Go to write our application code (there’s an excellent interactive Go tutorial here)
  • Cassandra for most persistent data storage
  • Kafka for our asynchronous message queue
  • Kubernetes and Docker to schedule and run our services
  • Envoy Proxy for RPC
  • 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 datacenters with actual cables to connect to various third parties

The Interview Process

Our interview process involves three main stages:

  1. Initial Call
  2. Take home task or pair coding exercise
  3. 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.

You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

What’s In It For You

  • 💰 ÂŁ60,000 - ÂŁ80,000 base salary➕ plus stock options
  • ✈️ We can help you relocate to the UK
  • ✅ We can sponsor visas.
  • 📍 This role can be based in our London office, but we're 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 ÂŁ1,000 a year for books, training courses and conferences
  • ➕ And much more, see our full list of benefits here

We're usually always hiring for Backend Engineers, so there's no closing date for this job.

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Skills

Backend Engineering
Distributed Systems
Go
Java
C
Scala
Cassandra
Kafka
Kubernetes
Docker
Envoy Proxy
AWS
GCP
React
System Design
Resilient Software

Location

Cardiff, Wales, United Kingdom

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