Backend Payments Engineer

Monzo (View all Jobs)

Cardiff, London or Remote (UK)

Please mention No Whiteboard if you apply!
I'm a one-man team looking to improve tech interviews, and could use any support! 😄

Interview Process

1. Phone interview 2. Take-home, & call to discuss it 3. 2-3 hours of on-site interviews (systems/behavioural)

Programming Languages Mentioned

Golang, JavaScript, Java

📍 London / UK Remote | 💰 £75,000 - £100,000 + Benefits | Technology - Engineering  

About us: 

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About our Engineering Team:

We have around 200 engineers out of roughly 2,000 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.

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

What you’ll be using: 

We rely heavily on the following tools and technologies:

  • 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
  • Envoy Proxy for RPC
  • Kubernetes and Docker to schedule and run our services 
  • AWS for most of our infrastructure
  • React for internal web dashboards
  • We also have two physical datacenter sites with actual cables to connect to various third parties

Backend Payments 💸

Our backend payments teams sit within the Banking Services Group, in the Platform collective. As a group we are responsible for maintaining and developing our core payments services and infrastructure that power features our customers love (Hot Coral Cards, Flex, Virtual Cards, Get Paid Early) and, driving some of our largest revenue streams 💰

Our team’s balance project and operational work to generate revenue, automate manual processes, implement key controls and stay compliant with the various payment schemes we participate in. Over the longer term, we are looking to make our core payments services an internal platform product, making them easier to integrate with for other teams in Monzo.

Previous payments team projects have included building our very own Mastercard processor (from scratch), replacing a third-party Faster Payments Gateway with our own internal gateway, improving the international money transfer experience for our customers and supporting other teams within Monzo as they build innovative new features and services using our Payments infrastructure e.g. Monzo Flex, virtual cards & Monzo Pay. We’ve delivered industry leading Strong Customer Authentication (SCA) and 3D Secure V2 (3DSV2) implementations. And, we make sure our critical payments infrastructure and services continue to be reliable, correct and high performing at all times.

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

Bonus points for (but not essential):

  • Experience working with payment schemes or within the financial services/fintech sector

The Interview Process:

Our interview process involves three main stages: 

  1. Recruiter Call
  2. Initial Call 
  3. Take home task or pair coding exercise 
  4. Final interview including a system design and a behavioural interview 

Our average process takes around 2-3 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 or want to talk through reasonable adjustments ahead of or during application please us at any point on 

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:

💰 £75,000 - £100,000 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 £1,000 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.


Equal Opportunity Statement

We are actively creating an equitable environment for every Monzonaut to thrive.

Diversity and inclusion are a priority for us and we are making sure we have lots of support for all of our people to grow at Monzo. At Monzo, embracing diversity in all of its forms and fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2022 Diversity and Inclusion Report and 2021 Gender Pay Gap Report.

We're an equal opportunity employer. All applicants will be considered for employment without attention to ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status or disability status.



Please mention No Whiteboard if you apply!
I'm a one-man team looking to improve tech interviews, and could use any support! 😄

Get weekly alerts of new jobs from companies not using whiteboard interviews!