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Lead Analytics Engineer, Borrowing

MonzoreferralsCardiff, United KingdomFull-time£97,800-£125,000Posted Nov 4, 2026

Monzoreferrals has an opening for a Lead Analytics Engineer, Borrowing in Cardiff, United Kingdom. The listing describes it as a full-time, senior position.

Written by Dev Global Jobs

DGJ summary of this job

Our own short read of this listing, built only from the facts it gives. The employer’s original text follows further down.

Monzoreferrals has an opening for a Lead Analytics Engineer, Borrowing in Cardiff, United Kingdom. The listing describes it as a full-time, senior position.

The advert mentions SQL, Excel and machine learning among the skills and tools for this role.

Pay stated in the listing: £97,800-£125,000.

Benefits mentioned in the advert: learning budget and flexible hours.

Visa sponsorship is not mentioned. Applicants from outside United Kingdom should check the official work permit route before applying.

Dev Global Jobs found this job on Arbeitnow on Nov 4, 2026.

Employer
Monzoreferrals
Location
Cardiff, United Kingdom
Job type
Full-time
Level (from the title)
senior
Pay
£97,800-£125,000
Found
Nov 4, 2026 on Arbeitnow
Employer text
724 words, about 3 min to read
Skills named in the advert
SQLExcelmachine learning
Before you apply
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  • Mirror the skills the advert names (SQL, Excel and machine learning) in your CV where you really have them; applicant tracking systems look for these words.
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DGJ Insight

Our own data about this role and place, from official statistics and our live job index.

Updated Nov 5, 2026
Pay benchmark
Average wage, United Kingdom
GBP 46,511 average / year

This job's listed pay is 140% above the benchmark.

This job: GBP 97,800 to 125,000

Source: OECD Average annual wages, 2025

Cost of living · United Kingdom
100.5 vs New York = 100

UN living-cost index for United Kingdom (ICSC post adjustment 76.4), as of 1 Oct 2026.

Source: ICSC post adjustment classifications (icsc.un.org)

Work permit route
  • Skilled Worker visa: Job offer from a licensed sponsor at the required skill and salary level; English requirement
  • Health and Care Worker visa: Eligible health and social care roles with a licensed sponsor
  • Global Talent visa: Endorsement as a leader or potential leader in a listed field

Official routes: UK Visas and Immigration (GOV.UK)

Job description

About the role

Full text from the employer, as published on Arbeitnow, arranged into sections. Nothing added or removed.

📍London, Cardiff or Remote in the UK | 💰 £97,800 -125,000 + Benefits | Hear from the team ✨

01⭐Our Borrowing Analytics Engineering Team

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them to achieve something in their lives - whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely.

We're looking for a Lead Analytics Engineer within our borrowing team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms, identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new global markets, build new products and shape the future of how we serve our customers.

We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business.

🔑You’ll play a key role by...

  • Serving as a data architect for Monzo’s Borrowing data, contributing to the design and scalability of data models that measure the performance of our product suite.
  • Develop robust data models downstream of backend services, primarily in BigQuery, to support internal reporting, machine learning, large language models, as well as financial and regulatory use cases.
  • Be a key voice in shaping and maintaining best practices for our Data Warehouse, including source data payload design, logical data modelling, implementation, metadata, and testing standards.
  • Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
  • Contribute to prioritising data governance issues, ensuring a comprehensive approach to data integrity and compliance.
  • Being a key technical leader who’s able to champion central platform initiatives that aim to elevate the data standards across Borrowing and beyond.

02🤩We’d love to hear from you

  • You have a strong passion for data modelling, ETL projects, and Big Data.
  • You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
  • SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
  • You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
  • You have experience building robust and reliable data sets that require a high level of control.
  • You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
  • You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
  • You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
  • You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
  • You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
  • You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Borrowing and Analytics Engineering.
  • Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

03The interview process

Our interview process involves 4 main stages:

  • Recruiter call
  • Initial call
  • Technical task
  • 3 x 1 hours sessions (final interview)

Our average process takes around 3-4 weeks but we will always work around your availability.

04What’s in it for you

💰 £97,800-£125,000 base + Benefits

✈️ 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

#LI-AS #LI-Remote

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