Tech Lead - Savings

London (Oxford Circus) | Hybrid: 2 days per week | Reports to: CTO

We’re building something genuinely rare: a financial brand designed for the mass affluent, the professionals, entrepreneurs and ambitious savers that traditional banks have systematically underserved for decades.

We exist to make managing wealth simpler, smarter and more human, treating every client’s wealth with the same care as if it were our own.

We have over £7 billion in client deposits, a fresh funding round and a place on the Future Fifty, the UK’s top pre-IPO companies. The momentum is real.

This is an engineering ownership role, not a delivery management role. You will define how Monument’s Savings product is built, scaled and evolved, leading a team of engineers, setting the technical direction and making the architectural calls that underpin a product trusted by tens of thousands of clients.

For the right engineer, this is a rare opportunity: technical leadership at a pre-IPO challenger bank, on a core product in a segment nobody has properly cracked, with genuine commercial backing and the mandate to build it right from day one.

• Own the technical roadmap for Monument’s Savings infrastructure, designing for growth, resilience and long-term maintainability as client volumes and deposit balances increase.
• 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 that meaningfully accelerates design, development and code review, raising team output without compromising quality or security standards.
• 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 the architectural standards, coding conventions and quality bar for the Savings engineering team, ensuring consistency across the codebase and rigour in every release.
• Line manage a team of engineers with a focus on performance, growth and retention, running regular one-to-ones, setting clear expectations and building a high-trust environment where people do their best work.
• Ensure the Savings product is built and maintained in line with Monument’s regulatory obligations, including operational resilience requirements, UK GDPR data handling standards and the principles of FCA Consumer Duty as they apply to product design and delivery.
• Act as a trusted technical voice to the CTO, surfacing risks early, contributing to engineering-wide decisions and representing Savings in technical forums.

• Monument is growing fast. Your architectural decisions will determine whether the Savings product handles that growth with confidence or becomes a source of operational and regulatory exposure.
• Experimentation and compliance must move together. You will need to build delivery cadence within constraints and develop the judgement to know where the line is.
• The best engineers are not managed by authority. You will need to build genuine technical credibility with your team and earn trust as someone who raises the bar, not just holds it.
• There is a lot of noise around AI in engineering. Your job is to cut through it: identify what actually improves output, implement it rigorously and build it into how the team operates day to day.

• Bias to Action. Make decisions with the information available. Do not wait for perfect conditions. Ship, learn, iterate.
• Radical Ownership. Accountable for the health, performance and output of the Savings engineering function, not just your own code.
• Challenge with Intent. Push back when the evidence supports it. Advocate for technical quality even when it is commercially inconvenient.
• Intellectual Humility. Let data and results guide architectural decisions. Adapt when evidence changes, even when it means revisiting previous calls.
• Low ego, high standards. Confident in technical convictions, open in approach, collaborative by default.

• 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 the operational considerations that come with running regulated workloads in the cloud.
• A 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, as is a background in platform or infrastructure engineering.
• Experience working alongside a compliance or risk function in a regulated financial services business.

Own the technical direction of a core product at a critical stage of growth. No legacy debt to manage around, genuine commercial backing and architectural decisions that will shape Monument’s engineering for years. Work at a pre-IPO challenger bank with board-level visibility. Be measured by outcomes, not by meetings or status updates.

At Monument, our values shape how we make decisions, how we treat each other when things get hard, and how we show up for clients who expect more than standard banking.

We set ambitious goals and hold ourselves to them, not because it looks good, but because our clients’ outcomes depend on it. When something isn’t working, we say so early, learn from it, and move. We don’t wait for perfect conditions, and we don’t protect egos over progress.

We work as a genuine team, which means real collaboration, honest conversations when we disagree, and shared accountability when things go wrong. We know better decisions come from different perspectives, so we actively value the range of experiences and backgrounds our people bring.

We’re always asking whether there’s a smarter way to do what we do, not for the sake of change, but because standing still isn’t an option in the market we’re in.

• 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

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.