Pros: Lots of autonomy and opportunity to branch out. No idea is likely to be dismissed without good reason, and good ideas can become reality pretty quickly if well proposed. Pay is good, but it's very hard to increase it once it's set. Share options are generous, with the caveat that Monzo is not public and the value is entirely theoretical.

Cons: While I hear from people in my position in other teams that work happens smoothly, with everyone pulling together, but that is not the reality in my team. The priority, focus, ideas, and assumptions can 180 from minute to minute, a massive disconnect between layers of management, and huge problems and delays caused by fast and slap-dash work constantly being introduced over and over again by making the same short-sighted decisions. Progression is very difficult. Doing good work is not enough; you need to fit, you need to go beyond your role in a way that's impossible to define, and 'who you know' is far too influential.

Pros: * Surrounded by smart people working in a thoughtful, structured way towards solving difficult problems * Everyone here is (both emotionally and financially...) invested in the success of the company * Transparent, empathetic culture with a focus on mental health * Data-driven culture * I've been able to maintain a ~40h/week working life over the last 12 months (and have been encouraged to do so) * Working on a product that you interact with day to day that many people have really positive views of * Highly confident that the company has a bright future

Cons: * A lot of technical debt (though there have been some meaningful attempts of late to give this more focus) * Company is getting bigger, starting to feel more stodgy and corporate * 19% AER on lending products like Monzo Flex feels exploitative

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.