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About the Role

This is an engineering ownership role where you will define how Monument’s Savings product is built, scaled, and evolved. You will lead a team of engineers, set the technical direction, and make architectural decisions for a product trusted by tens of thousands of clients. This is a rare opportunity for technical leadership at a pre-IPO challenger bank on a core product with genuine commercial backing and the mandate to build it right from day one.

Responsibilities

Own the technical roadmap for Monument’s Savings infrastructure, designing for growth, resilience, and long-term maintainability.
Partner with Product and Design to architect and ship new Savings features, from technical scoping and design through to production release and post-launch monitoring.
Identify, evaluate, and implement AI-powered tooling to accelerate design, development, and code review, raising team output without compromising quality or security.
Systematically improve the capability and capacity of the engineering team through structured mentoring, code review, better tooling, and removal of delivery friction.
Set and maintain architectural standards, coding conventions, and quality bar for the Savings engineering team.
Line manage a team of engineers with a focus on performance, growth, and retention.
Ensure the Savings product is built and maintained in line with Monument’s regulatory obligations, including operational resilience, UK GDPR data handling, and FCA Consumer Duty principles.
Act as a trusted technical voice to the CTO, surfacing risks early, contributing to engineering-wide decisions, and representing Savings in technical forums.

Requirements

Proven experience as a Tech Lead or Lead Engineer in a high-growth, production-grade environment, ideally within fintech, challenger banking, or a regulated digital business.
Deep, hands-on expertise in Java and Spring Boot, with strong instincts for building scalable, resilient, distributed systems.
Solid working knowledge of AWS, including compute, storage, networking, and operational considerations for running regulated workloads.
Demonstrable track record of shipping high-quality software at pace, with clear evidence of sound technical decision-making under commercial pressure.
Experience line managing or formally mentoring engineers, with tangible impact on team capability and output.
Strong architectural instincts, able to think beyond the immediate ticket and design systems that hold up under scale and scrutiny.
Practical experience evaluating or implementing AI-powered developer tooling, and a considered view on where it adds genuine value.
Familiarity with UK regulatory frameworks relevant to fintech, particularly PRA operational resilience requirements (SS1/21), UK GDPR obligations, and FCA Consumer Duty principles.
Domain experience in savings, deposits, or payments products is advantageous.
Background in platform or infrastructure engineering is advantageous.
Experience working alongside a compliance or risk function in a regulated financial services business.

Skills

Java
Spring Boot
AWS
AI-powered tooling
Technical leadership
Architectural standards
Coding conventions
Quality bar
Performance management
Growth management
Retention strategies
Regulatory compliance
Operational resilience
UK GDPR
FCA Consumer Duty
Risk management
Distributed systems
Scalability
Maintainability

Location

London (Oxford Circus)

Work Type

Hybrid: 2 days per week
Flexible hybrid working
Options to work from abroad

Experience Level

Tech Lead
Lead Engineer

Benefits

28 days annual leave plus 8 bank holidays
Performance related bonus structure
Equity after probation
Enhanced pension (9% employer contribution + 1% match when you contribute a minimum of 1%)
Private health insurance with family cover
Optical and dental cover
Online GP service for you and your family
Life assurance
Flexible hybrid working, including options to work from abroad
Enhanced parental leave

About the Company

Monument is building a financial brand designed for the mass affluent, professionals, entrepreneurs, and ambitious savers that traditional banks have underserved.
The company aims to make managing wealth simpler, smarter, and more human.
Monument has over £7 billion in client deposits, a fresh funding round, and is recognized on the Future Fifty list of top UK pre-IPO companies.

Equal Opportunity

Monument Bank is an equal opportunities employer.
We are committed to creating an inclusive environment for all employees and applicants.
We welcome applications from individuals of all backgrounds and do not discriminate on the basis of age, disability, gender reassignment, marriage or civil partnership, pregnancy or maternity, race, religion or belief, sex, or sexual orientation.