About Our Engineering Teams We have over 400 engineers across Monzo who design and build our in‑house banking platform. We have big ambitions and technology plays a big role in creating a bank our customers want, so engineers 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.

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 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 include Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion.

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 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

What You’ll Be Working On We hire very technically agnostic,



so while 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 following:

Go to write our application code (there’s an excellent interactive Go tutorial)

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 vigente cables to connect to various third parties The Interview Process

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’ll always work around your availability. A detailed blog on the process is available for extra details, hints and tips.

What’s In It For You Base salary depends on experience plus incentive awards tied to performance plus benefits. Location: Barcelona, Spain. Flexible working hours: you can work enough hours to do your job well, at times that suit you and your team.

Learning budget of €1,200 a year for books, training courses and conferences.

Equal Opportunities Diversity and inclusion are a priority for us, and we’re making sure we have lots of support for all of our people to grow at Monzo. 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, veteran status, neurodiversity or disability status.

If you have a preferred name, please use it to apply. We don’t need full or birth names at application stage.

📌 Software Engineer III (Madrid)
🏢 Monzo Bank
📍 Madrid