Interview preparation

Monzo interview process & preparation

Monzo currently has 76+ live openings on OnJob.io, concentrated in Machine Learning Engineer, Software Engineer and Backend Developer roles. There are no leaked or company-specific questions here — instead, prepare with the general, role-based interview rounds and most-asked questions for those role types below, then practise them free with OnJob's AI mock interview.

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Honest note: OnJob.io does not publish leaked or company-confidential interview questions. The guides below are general, role-based preparation — the standard rounds and commonly-asked questions for the role types Monzo is currently hiring for. Use them to prepare; your real Monzo interview may differ.

What to expect when interviewing for Machine Learning Engineer, Software Engineer and Backend Developer roles at companies like Monzo

Monzo is currently advertising these role types on OnJob.io. Each guide is the general interview structure and most-asked questions for that role — prepare with it, then rehearse free with the AI mock interview.

General Machine Learning Engineer interview prep

9 live roles at Monzo

ML algorithms, model deployment, MLOps and coding — the ML-engineering interview for AI-first product companies and applied-ML teams.

Typical Machine Learning Engineer interview rounds

  1. 1 ML fundamentals. Algorithms, evaluation metrics, bias-variance and overfitting.
  2. 2 Coding round. Python, data structures and implementing ML logic from scratch.
  3. 3 ML system design. Design a recommendation, ranking or fraud-detection system.
  4. 4 MLOps & deployment. Serving models, monitoring, drift and pipelines.

Commonly-asked Machine Learning Engineer questions

  • Explain the bias-variance tradeoff and how it relates to overfitting.
  • What is the difference between bagging and boosting?
  • How does gradient descent work, and what are its variants (SGD, mini-batch, Adam)?
  • Explain precision, recall, F1 and ROC-AUC, and when to optimise for each.
  • What is regularisation (L1 vs L2) and why does it help?
  • How would you handle an imbalanced dataset in a classification problem?
  • Explain how a transformer / attention mechanism works at a high level.
  • What is the difference between training, validation and test sets, and what is cross-validation?
Full Machine Learning Engineer prep AI mock interview

General Software Engineer interview prep

7 live roles at Monzo

Coding, data structures, algorithms and system design — the core software engineering loop used by product companies and startups across India.

Typical Software Engineer interview rounds

  1. 1 Online assessment. Timed coding problems on arrays, strings and hashing on HackerRank or HackerEarth.
  2. 2 DSA / problem solving. 1–2 live coding rounds on data structures, algorithms and complexity analysis.
  3. 3 System design. Designing a scalable service (mid/senior); low-level design for early-career.
  4. 4 Hiring manager / culture fit. Past projects, ownership, behavioural questions and team fit.

Commonly-asked Software Engineer questions

  • Reverse a linked list, both iteratively and recursively.
  • Find the two numbers in an array that add up to a target sum.
  • Detect whether a linked list has a cycle.
  • What is the difference between a process and a thread?
  • Explain time and space complexity (Big O) with examples.
  • How does a hash map work internally, and what happens on collisions?
  • Find the longest substring without repeating characters.
  • What is the difference between an array and a linked list?
Full Software Engineer prep AI mock interview

General Backend Developer interview prep

5 live roles at Monzo

APIs, databases, concurrency and system design — the server-side engineering interview across product companies and fintech.

Typical Backend Developer interview rounds

  1. 1 DSA round. Coding problems plus complexity analysis.
  2. 2 Language & runtime. Deep dive on your primary language (Java/Node/Python/Go) and its concurrency model.
  3. 3 Database & API design. Schema design, indexing, transactions and REST/gRPC API design.
  4. 4 System design. Designing scalable, fault-tolerant backend services.

Commonly-asked Backend Developer questions

  • Explain the difference between SQL and NoSQL, and when you'd choose each.
  • What is database indexing and how does it speed up queries?
  • Explain ACID properties in a database transaction.
  • What is the difference between REST and GraphQL?
  • How do you handle concurrency and race conditions in your backend?
  • What is a deadlock and how do you prevent it?
  • Explain caching strategies — write-through, write-back and cache invalidation.
  • What is the difference between horizontal and vertical scaling?
Full Backend Developer prep AI mock interview

General Accountant interview prep

4 live roles at Monzo

Accounting principles, Tally, GST and financial statements — the accounting interview for finance teams, CA firms and SMEs in India.

Typical Accountant interview rounds

  1. 1 Accounting fundamentals. Double-entry, journal entries and the accounting cycle.
  2. 2 Statements & analysis. Balance sheet, P&L and cash-flow understanding.
  3. 3 Tax & compliance. GST, TDS and statutory basics (India).
  4. 4 Tools & scenario. Tally / Excel and a practical bookkeeping problem.

Commonly-asked Accountant questions

  • What are the three golden rules of accounting?
  • Explain the difference between accounts payable and accounts receivable.
  • What is the difference between a balance sheet and a profit & loss statement?
  • What is double-entry bookkeeping?
  • Explain the difference between cash accounting and accrual accounting.
  • What is depreciation and what are the common methods?
  • What is GST, and how do CGST, SGST and IGST differ?
  • What is TDS and when is it deducted?
Full Accountant prep AI mock interview

General Data Analyst interview prep

3 live roles at Monzo

SQL, Excel, statistics and storytelling with data — the analyst interview for product, BI and analytics teams across India.

Typical Data Analyst interview rounds

  1. 1 SQL round. Joins, aggregations, window functions and query writing.
  2. 2 Excel / spreadsheet round. Lookups, pivot tables and formulas.
  3. 3 Case / analytics round. Business case: define metrics, analyse and recommend.
  4. 4 Tool & viz round. Power BI / Tableau dashboards and stakeholder communication.

Commonly-asked Data Analyst questions

  • What is the difference between INNER JOIN, LEFT JOIN and FULL OUTER JOIN?
  • Write a SQL query to find the second-highest salary in a table.
  • What is the difference between WHERE and HAVING?
  • Explain window functions like ROW_NUMBER(), RANK() and DENSE_RANK().
  • What is the difference between mean, median and mode, and when is each misleading?
  • How do you handle missing or null values in a dataset?
  • Explain the difference between a primary key and a foreign key.
  • What is normalisation, and why does it matter for analysis?
Full Data Analyst prep AI mock interview

General Digital Marketing interview prep

3 live roles at Monzo

SEO, performance ads, content and analytics — the digital marketing interview for agencies, startups and growth teams.

Typical Digital Marketing interview rounds

  1. 1 Fundamentals round. SEO, SEM, social, email and the marketing funnel.
  2. 2 Channel deep-dive. Your strongest channel — Google/Meta ads, SEO or content.
  3. 3 Analytics & case. Read a campaign's data and recommend optimisations.
  4. 4 Strategy & culture fit. Campaign planning, budgets and collaboration.

Commonly-asked Digital Marketing questions

  • What is the difference between SEO and SEM?
  • Explain the marketing funnel (awareness → consideration → conversion).
  • What is the difference between CPC, CPM, CPA and ROAS?
  • How do you measure the success of a digital marketing campaign?
  • What are the main Google ranking factors you optimise for?
  • Walk me through how you'd plan a campaign with a fixed budget.
  • What is A/B testing and how do you run one on an ad or landing page?
  • How do you reduce a high bounce rate on a landing page?
Full Digital Marketing prep AI mock interview

Rehearse your Monzo interview, free

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Monzo interview — FAQs

How do I prepare for a Monzo interview?

Prepare by role: identify the role you're applying for, then practise the standard interview rounds and most-asked questions for that role type. Monzo is currently hiring for Machine Learning Engineer, Software Engineer and Backend Developer roles, so focus there. Use OnJob's free AI mock interview to rehearse with instant feedback, and review the role-specific question lists below. These are general role-based questions, not leaked Monzo questions.

What questions are asked in a Monzo interview?

We don't publish leaked or company-specific Monzo questions. What we do provide is the general, frequently-asked interview questions for the role types Monzo hires for — such as Machine Learning Engineer, Software Engineer and Backend Developer roles. For example, Machine Learning Engineer interviews commonly cover: Explain the bias-variance tradeoff and how it relates to overfitting. What is the difference between bagging and boosting? How does gradient descent work, and what are its variants (SGD, mini-batch, Adam)? Prepare with these general questions and OnJob's free AI mock interview.

How many rounds does a Monzo interview have?

It depends on the role. A typical Machine Learning Engineer interview runs across 4 rounds — ML fundamentals, Coding round, ML system design, MLOps & deployment. Round counts vary by company and seniority; treat this as the general structure to prepare for, not a guarantee of Monzo's exact process.

Is Monzo hiring right now?

Yes — Monzo has 76+ live openings on OnJob.io, refreshed daily, mostly for Machine Learning Engineer, Software Engineer and Backend Developer roles. Browse the live Monzo jobs and see your AI match score on each before you apply.

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