Pros: - Solving big problems that have a huge impact on our customers and the company's growth. - Real autonomy to set the direction of your own work. - Senior leadership provides strong support for incorporating Machine Learning solutions into systems where other organisations might shy away from the challenge. - Engineering tooling is fantastic! We are empowered to deploy our own changes into production environment which allows us to ship our own models into production which is very satisfying. - Get to work with and learn from really smart people in cross discipline squads which include Data/ML Scientists, Software Engineers, Product Managers and Business domain specialists. - One of Monzo's values that comes through the strongest is "be hard on problems, not people". Individuals never get singled out or blamed when something goes wrong - instead teams work collaboratively to understand the issue and how our systems / processes can be improved to prevent it from happening again.

Cons: - Monzo is a regulated bank, so sometimes you need to slow down to consider and mitigate the risk of your changes with more rigorous testing. - There hasn't been as much investment in Machine Learning tooling over the past ~2 years, but a team was recently spun up to start working on this. - It can sometimes be intense when working on high priority projects which have deadlines, but I never felt pressure to work overtime or work late hours / weekends.

Pros: - Autonomy to work on problems which you think are important - Lots of smart people to learn from - Growth mindset is valued and encouraged - Culture is one of kindness, you can be yourself here - Very relevant tech company to have on CV for future career

Cons: - Banking is regulated, so you do spend more time thinking about safety than other less regulated tech companies

Pros: Teams are empowered to organize themselves, so my experience might not reflect others. I consider this a pro. My team: - High trust - Flexible - Smart people. I've never felt like the smartest person in the room Code base/tooling is well supported. It's very easy to be a product engineer due to lots of the work done by the platform team.

Cons: Work can vary from super interesting -> downright boring, depending on the team. This seems to be a function of both 1) an established company and 2) the banking industry. Some things are used by millions of people a day, and that's super rewarding, then some things are not.