[![Image]() Meet Jobicy Copilot — free AI autofill for job applications + remote job alerts ›](#) [All remote jobs](https://jobicy.com/jobs.md)Open role[![Monzo logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/5b4c0ec3-221.jpg)](https://jobicy.com/company/monzo.md)Remote opportunity at[Monzo](https://jobicy.com/company/monzo.md) # Backend Engineer III Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/monzo.md)Share3 Sep 2026Published17Listing views1Application actions3 Oct 2026Apply before Opportunity details ## About this role. AI SummaryMonzo is hiring an Engineer III to build and evolve its in-house banking platform, with work spanning customer products, infrastructure, payments, security, finance, and data systems. The role emphasizes backend product engineering, resilient distributed systems, and data-informed decisions in an ambiguous, cross-functional environment. Engineers may work with Go, Cassandra, Kafka, Kubernetes, Docker, Envoy, AWS, GCP, and React, with prior experience in every listed technology not required. The interview process includes an initial call, a take-home or pair-programming exercise, and final system-design and behavioral interviews. The position supports London-based or distributed work within the UK, with ad hoc London meetings. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 4/5EasyHard ### Pace & Pressure 4/5RelaxedFast-paced ### Autonomy Level 4/5GuidedFull ownership ### Communication Load 4/5IndependentCollaborative AI insightThis is a senior individual-contributor backend role in a regulated banking environment, requiring sound distributed-systems judgment and the ability to deliver resilient software. Ambiguous product problems, broad technical scope, and system-design expectations increase the role's complexity. ## Salary analysis Estimated compensation compared with the broader UK market for similar roles. Estimated job medianBelow market£97,500UK market range£145k–£200k0£220k AI insightThe disclosed base-salary range is £85,000–£110,000 per year, with a midpoint of £97,500 annually; incentive awards are additional and are not quantified. The estimated US-market base-salary range for a comparable senior backend engineer is $145,000–$200,000 per year, reflecting the role's Engineer III level and distributed-systems scope; this US range is an estimate, not compensation offered by Monzo. ## Core skills Skills and capabilities most closely associated with this opportunity. [Backend Engineering](https://jobicy.com/jobs?search_keywords=Backend%20Engineering.md)[Distributed Systems](https://jobicy.com/jobs?search_keywords=Distributed%20Systems.md)[Go](https://jobicy.com/jobs?search_keywords=Go.md)[Java](https://jobicy.com/jobs?search_keywords=Java.md)[Kafka](https://jobicy.com/jobs?search_keywords=Kafka.md)[Cassandra](https://jobicy.com/jobs?search_keywords=Cassandra.md)[Kubernetes](https://jobicy.com/jobs?search_keywords=Kubernetes.md)[AWS](https://jobicy.com/jobs?search_keywords=AWS.md)[GCP](https://jobicy.com/jobs?search_keywords=GCP.md)[System Design](https://jobicy.com/jobs?search_keywords=System%20Design.md) Sample interview questionsHow would you design a resilient service that processes financial transactions asynchronously?I would use an append-only event flow with durable messaging, idempotency keys, explicit transaction states, and retry policies with dead-letter handling. I would also define clear consistency boundaries, audit trails, observability metrics, and reconciliation processes so failures can be detected and safely recovered. Describe a time you made a technical decision with incomplete information. I would explain the customer and business context, identify the highest-risk assumptions, and make a reversible initial decision where possible. I would validate it through instrumentation, stakeholder input, and incremental delivery, then communicate the trade-offs and adjust based on evidence. What practices help keep a distributed system reliable as it scales? I focus on timeouts, retries with backoff, idempotency, load shedding, capacity planning, health checks, and actionable monitoring. I also use clear service ownership, incident reviews, and well-tested operational runbooks to improve reliability over time. How do you balance delivery speed with engineering quality in a customer-facing product? I break work into small, valuable increments and identify which quality controls are non-negotiable, such as testing, security review, and safe deployment practices. I make trade-offs visible, use feature flags and monitoring to reduce release risk, and reserve time to address technical debt that threatens future delivery. How would you approach learning a new technology such as Go or Cassandra when joining a team? I would begin with the team's onboarding material, existing services, coding conventions, and operational documentation, then build a small, well-scoped change with feedback from experienced teammates. I learn fastest by pairing, reviewing production patterns, and connecting technical behavior to real customer and system outcomes. 🚀 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](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments)and [combine their pensions](https://monzo.com/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 ❤️ 📍London or UK Remote | 💰 [Engineer III](https://monzo.com/documents/engineering-progression-framework-v4-1.pdf) Compensation: £85,000 – £110,000 + Incentive Awards tied to your performance + [Benefits](https://monzo.com/careers/) | [Technology](https://monzo.com/blog/technology) About our Engineering Teams: We have around 650 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. How we work 💻 Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but we don’t have a mandated requirement on office attendance, even if you’re nearby. We believe you’ll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs ✨ Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️ Teams also schedule time together often for work and play – in or around the office, or online. Set up a work schedule that delivers impact and fits your life: At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency 🕣✨ If you prefer to work part-time, we’ll make this happen whenever we can – whether this is to help you meet other commitments or strike a great work-life balance. Work the way that works for you with Monzo! 💼 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 L40 Engineers at the moment, you can read more in our [Engineering Progression Framework](https://monzo.com/documents/engineering-progression-framework-v4-1.pdf) 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: * [Go](http://golang.org/) to write our application code (there’s an excellent interactive Go tutorial [here](https://tour.golang.org/welcome/1)) * [Cassandra](http://cassandra.apache.org/) for most persistent data storage * [Kafka](http://kafka.apache.org/) for our asynchronous message queue * [Kubernetes](http://kubernetes.io/) and [Docker](https://www.docker.com/) to schedule and run our services * [Envoy Proxy](https://www.envoyproxy.io/) for RPC * [AWS](http://aws.amazon.com/) for most of our production infrastructure and[GCP](https://cloud.google.com/) 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: * 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 will always work around your availability. One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see [here](https://monzo.com/blog/2022/03/23/demystifying-the-backend-engineering-interview-process). What’s in it for you: 💰 £85,000 – £110,000 base salary + Incentive Awards tied to your performance ✈️ 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](https://monzo.com/careers/) We’re usually always hiring for Backend Engineers, so there’s no closing date for this job. #LI-Remote #LI-ZM1 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](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025) 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 😊 Show more [Apply now >](https://jobicy.com/jobs/152499-backend-engineer-iii.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. 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