Jobs at Monzo Bank

Own financial control and accounting processes, including software capitalization, impairment assessments, month-end close, group consolidation, management commentary, audits, product accounting, accounting policies, chart of accounts integrity, and process automation. The role applies IFRS expertise, operates key controls, supports new product launches, uses SAP S/4HANA and SQL, and partners with Finance, Engineering, business teams, and external auditors.

Build, maintain and improve Monzo's cloud infrastructure and platform services. Run and manage Kubernetes clusters, service mesh and networking across AWS and GCP, implement Infrastructure as Code with Terraform, and develop backend services (APIs/controllers) to provide self-service tooling, support migrations, ensure scalability, reliability and a great developer experience.

The Finance Data Manager will analyze complex financial and operational datasets, translate business requirements into scalable data assets, and deliver management reporting and commercial insights. Responsibilities include collaborating on data pipelines, automating financial reporting with code and AI, building reporting solutions, improving processes, and partnering with stakeholders across the business.

Lead product strategy and roadmap for Finance Infrastructure within the Payments Platform. Partner with Engineering, Finance, Payments, Product, and Operations leaders to translate complex financial, accounting, operational, and regulatory needs into scalable systems. Prioritize competing demands, improve product discipline, and build infrastructure supporting ledgers, reconciliation, reporting, controls, multiple products, entities, currencies, countries, and regulatory environments.

Analyze and optimize savings product pricing, deposit volumes, margin, and competitiveness. Monitor portfolio performance, model pricing elasticity and growth-profitability trade-offs, forecast deposits, and evaluate strategic initiatives. Build pricing datasets and Looker dashboards, conduct competitor and macroeconomic analysis, and recommend pricing changes. Partner with Finance, Treasury, Data Science, and Product teams to translate complex financial data into actionable commercial decisions.

Supports and optimizes Anaplan financial planning models by managing change requests, assisting with model building, testing enhancements, maintaining data integrity, managing access, monitoring performance, and troubleshooting issues. Provides user training and documentation for FP&A and finance business partner teams, while collaborating with architects, model builders, and finance stakeholders. Uses AI tools to improve processes and problem-solving.

Lead a team of Credit Analysts to build and evolve Monzo's Credit Platform, including NPV modelling infrastructure and decisioning capabilities. Define platform roadmap, partner with Product, Engineering, Data and ML teams, and drive scalable credit strategies across products and markets.

Lead ML strategy and delivery for Workforce Management: forecasting, routing, assignment, escalation and time-to-completion prediction. Build, ship and maintain production ML systems, coach and grow a team of ML scientists, work cross-functionally to turn operational problems into pragmatic ML solutions, and improve customer and operational outcomes.

Lead portfolio management for a growing unsecured lending product (Flex), building forecasting and monitoring frameworks, risk-based pricing, lifecycle engagement and loss-mitigation strategies. Manage and grow a team of credit analysts, collaborate across product squads, and partner with Legal, Compliance and 2nd Line Risk to scale the portfolio safely while driving commercial outcomes.

The Staff Product Designer will lead design projects, set long-term design vision, mentor designers, and collaborate across teams to enhance customer experiences at Monzo.

Leads the Payments data strategy and partners with Product, Engineering, and Design to shape payment products, commercial optimization, customer growth, metrics, architecture, and operating models. Builds and scales a high-performing, full-stack data organization spanning data science, analytics engineering, machine learning engineering, and analytics. Serves as a trusted Payments Leadership partner, translating technical, product, and commercial perspectives into high-impact decisions.

Serve as a strategic business partner to CTO and engineering leaders by managing complex calendars, priorities, communication, decision preparation, and confidential information. Drive leadership effectiveness, accountability, cross-functional alignment, off-sites, engagement initiatives, and process improvements. Build trusted relationships across the organization, identify risks, remove blockers, and contribute to improving the broader Executive Assistant function in a fast-paced, regulated fintech environment.

Establish and scale CRM across EU markets, building lifecycle communication frameworks, always-on campaigns, segmentation, automation, and scalable processes. Execute and optimize email, push, and in-app journeys using experimentation and data insights. Partner with product, data, engineering, legal, compliance, and marketing teams to ensure campaigns are relevant, accurate, compliant, and commercially aligned. Serve as the EU CRM subject matter expert and oversee campaign quality assurance.

Manage regulatory reporting policy, compliance, controls, governance, and interpretation of UK and European prudential regulations. Review capital, liquidity, and financial returns; partner with engineering, data science, Treasury, Risk, and project teams to improve data quality and reporting accuracy. Lead automation implementation, testing, process changes, continuous improvement, and team development while ensuring timely, complete, and compliant regulatory submissions.

Supports the Chief Product Officer and Product Leadership Team by driving strategic projects, product roadmap and organizational planning, performance reporting, business reviews, cross-functional prioritization, team engagement, and executive communications. The role helps resolve complex dependencies, prepares the CPO for senior stakeholder interactions, and may represent the CPO in key forums.

Lead end-to-end planning and execution of cross-team payments products. Define roadmaps, manage dependencies, timelines, risks and stakeholders. Drive decisions to remove blockers, ensure operational effectiveness, and propose technical solutions. Dive into data and architecture to make informed trade-offs and deliver value for users.

Lead and scale user research across Core Banking, define strategic research direction, partner with senior stakeholders, manage and coach research managers (6-8 reports), synthesize qualitative and quantitative insights, and embed a global research operating model to inform product and organisational strategy.

Lead Monzo's Board & Executive Hiring function to source, assess and hire C-suite, Executive and Board leaders. Set strategy, partner with Board and People leaders, coach a small executive recruiting team, shape succession planning and organisational design, and improve executive assessment, compensation and candidate experience.

Lead a distributed engineering organisation across multiple European markets, develop senior engineering leaders, partner with cross-functional stakeholders to define and execute European strategy, shape market expansion, localisation and regulatory approach, drive alignment across teams, design scalable operating models, and help validate product-market fit while balancing short-term delivery and long-term strategy.

As a Senior Product Manager, you'll lead cross-functional teams to deliver customer strategies, enhance the app experience, and align with product goals at Monzo.