Backend Engineer III at Monzo at Monzo — Cardiff

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About the role

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Join Monzo as a Backend Engineer III and contribute to revolutionizing banking in the UK, working remotely or from London. Monzo has evolved from a prepaid card provider into a full-service digital bank offering personal and business accounts, credit cards, and innovative financial tools. This role is ideal for someone passionate about building scalable backend systems that power everyday banking experiences. As a Backend Engineer III, you'll develop and maintain core backend services using technologies like Go, Cassandra, Kafka, Kubernetes, and AWS. Your work will directly impact the reliability and performance of Monzo’s banking platform, enabling features such as payment processing, customer data management, and financial operations.

Collaborating with cross-functional teams, you will help design resilient distributed systems and contribute to improving product outcomes. Ideal candidates bring solid backend engineering experience, familiarity with strongly-typed languages such as Go or Java, and a product-focused mindset that prioritizes customer needs and data-driven decisions. You should be comfortable navigating ambiguity and working within a flexible, remote-friendly environment that supports work-life balance and diverse teams. Monzo’s engineering teams are spread across the UK, with a vibrant London hub and support for flexible working locations. The company fosters a culture of inclusivity and innovation within the UK fintech sector, which continues to grow rapidly. This role provides an opportunity to work on cutting-edge financial technology and make a meaningful impact on how people manage money. The position offers a competitive salary range between £85,000 and £110,000, incentive awards linked to performance, and a £1,000 annual learning budget. Monzo supports visa sponsorship and relocation assistance for qualified candidates within the UK. To stand out, highlight your experience with backend technologies, distributed systems, and your product-driven approach in your CV and cover letter. Demonstrate how your previous projects improved system resilience or customer outcomes, and prepare to engage in a technical interview process that includes coding exercises and system design discussions. Apply for the Backend Engineer III role at Monzo to join a pioneering team transforming UK banking. There is no closing date, so submit your application when ready to embark on this rewarding career journey.

Requirements

EssentialNice to have below

Proven experience in backend development for technology products
Proficiency in strongly-typed programming languages like Go, Java, or Scala
Ability to work effectively within teams managing ambiguous requirements
Strong product mindset with focus on customer outcomes and data-driven decisions

Responsibilities

Develop and maintain backend services using Go and related technologies
Design and implement scalable distributed systems for banking operations
Collaborate with cross-disciplinary teams to deliver customer-focused features
Write resilient, maintainable code to improve system reliability
Contribute to infrastructure management using Kubernetes and Docker
Participate in code reviews and technical discussions to uphold quality standards
Engage in continuous learning and skill development within the engineering team
Support production infrastructure on AWS and GCP environments

Key skills

GoJavaScalaCassandraKafkaKubernetesDockerEnvoy ProxyAWSGCPReact

Nice to have

Familiarity with container orchestration tools like Kubernetes and Docker
Knowledge of cloud platforms including AWS and GCP
Experience with database technologies such as Cassandra
Background in financial technology or banking systems

Benefits

£85,000 - £110,000 base salary, incentive awards, £1,000 learning budget, visa sponsorship, relocation assistance, flexible working hours

About Monzo

About the Company

Monzo

Monzo is a UK-based digital bank focused on simplifying banking through innovative products and excellent customer service.

Finance & Accounting

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FAQs

What experience is required for the Backend Engineer III role at Monzo?

Candidates should have 3-5 years of backend development experience, preferably with strongly-typed languages like Go or Java, and a good understanding of distributed systems.

Is this Backend Engineer III position at Monzo remote or onsite?

This role offers flexible working arrangements, including fully remote work within the UK or attendance at the London office when preferred.

What is the salary range for the Backend Engineer III role at Monzo?

The position offers a competitive salary between £85,000 and £110,000, with additional incentive awards based on performance.

Does Monzo provide visa sponsorship for this role?

Yes, Monzo supports visa sponsorship and can assist with relocation for qualified candidates within the UK.

What are the working hours for the Backend Engineer III position at Monzo?

Monzo promotes flexible working hours, encouraging employees to work during core hours and manage their schedules to balance personal and professional commitments.