Pros: Good salary Learning budget (I used it for local conference tickets and eng books) Motivated colleagues Engineering tools are kept up-to-date Business is doing well and on a sure track to achieve profitability next year Working on a known and loved product makes me feel good

Cons: Work in product squads is mostly copy-paste from existing things, with a few variations. The eng platform is very opinionated (and limited to a set of tools - only Golang as a language, only Cassandra - AWS Key Spaces as DB). It contributes to the feeling of being a conveyor line worker at the engineering features factory. The work is fast-paced and there is a lot of it. I never work on weekends and really late into the evening. At the same time, every day is intense and every evening I am very tired. By the end of the week, I am usually exhausted.

Pros: Lots of good people, nice culture, potentially lots of interesting things to work on

Cons: Very product focused environment. If you're not on a product team and not one of the first 20 engineers, you'll struggle to progress Lack of direction from senior management. Other teams can't make up their minds but you'll be forced to chase their whims anyway Back office teams are under resourced and over worked, and do not have time to invest in improving their systems Doesn't do competitive salary reviews

Pros: Monzo truly values transparency and openness, making it a unique company to be part of. Everyone feels empowered to question any decision and make their opinions heard. We work alongside the brightest people from around the world and there are no egos to be seen. There is huge potential for career advancement at Monzo, and we've already seen plenty of people make the transition from customer support into engineering, for example. The management at Monzo is very supportive of its employees. We have very flexible hours and have a wide range of benefits generally not seen at a company of this size or age.

Cons: There are growing pains with a company growing at this pace. This is a workplace where common and best practices change every few weeks, potentially along with whatever you're working on. Many projects are seen as "ship and iterate". Some might find this exciting, others can find it exhausting. As we grow, the culture will probably change, and only time will tell how well that works out. Since culture is such an integral part of the company, it will be a pain point if it isn't figured out.