We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.

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 ❤️

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Our Capital, Impairments & Forecasting Team ⭐

Our Capital, Impairments & Forecasting team (CIF) sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.

Within CIF, we are scaling up our Forecasting modelling and execution team to support the enhancement of modelling standards across Finance. The role holder will have the opportunity to lead a ‘consultancy style’ centre of excellence providing thought leadership on the methodological design and regulatory compliance assessment on all Financial forecasting models that feed the banks’ budgeting and stress-testing activities. This will expand to hands-on delivery of model developments, where appropriate.

Strong data and analytical skills are a must, as is experience in financial modelling and coding (Python and SQL preferred). Experience working in regulatory stress testing exercises (such as ICAAP or EBA Stress-testing) is highly desirable but not essential.

We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):

• Google Cloud Platform for all of our analytics infrastructure

• dbt and BigQuery SQL for our data modelling and warehousing

• Python for data science and predictive modelling and data visualisation (via streamlit)

• Anaplan for model implementation

• Github for version control

You’ll play a key role by...

• Assisting with continuous improvement of forecasting models via individual delivery or through others

• Development of best practices for financial modelling across Monzo

• Presenting forecast model results to senior management

• Close collaboration with portfolio strategy, model validation, finance and external audit teams

We’d love to hear from you if…

• You have a background in financial forecast modelling or execution

• You have strong analytical skills and a track record of using these to deliver technical projects

• You have a solid technical toolkit. SQL and Python are our desired coding languages but experience in SAS/R will be considered. A data visualisation tool (such as Streamlit or Looker) is a plus

• You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts

• You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates

• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so

• You're a team player whom your colleagues can rely on

The application journey has 4 key steps

1. Initial call with a member of the Forecasting team

2. Technical modelling interview

3. Values and collaboration behavioural interview

4. A live case study problem solving interview

Our average process takes around 3-4 weeks but we will always work around your availability.

What’s in it for you

• £79,000 to £106,800 + benefits

• London (one day a week)

• We can help you relocate to the UK

• We can sponsor visas

• 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

#LI-JH1

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Equal opportunities for everyone

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. At Monzo, we’re embracing diversity by 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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

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.

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