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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.

Lead and build the credit risk function for Monzo Business Borrowing: design and iterate credit and pricing strategies, improve underwriting and automated decisioning, support new product launches, manage credit analysts and collaborate across product, engineering, marketing and risk to build profitable lending portfolios.

Lead Monzo's partnerships strategy across subscriptions, rewards and customer propositions. Build and negotiate strategic commercial relationships with major consumer brands, using data to evaluate performance. Partner with Product, Marketing, Legal, Compliance and Finance to embed partnerships in customer journeys. Hire, develop and scale a high-performing partnerships team and governance model.

The Senior Engineering Manager will lead multiple teams, focusing on delivery, engineering excellence, and people leadership while fostering an inclusive environment. This role emphasizes collaboration with Technical Leads and Product Managers to achieve technical and delivery outcomes.

As a Staff Backend Engineer, you will collaborate across teams to build and improve backend systems using various technologies, focusing on customer-centric solutions and resilient software.

The Senior Staff Backend Engineer will lead technical direction for systems, manage engineering standards, mentor teams, and ensure alignment with broader company goals. Responsibilities include hands-on coding, architecture, and partnership with product teams to maximize impact.

Build and operate ML platform systems that enable teams to train, evaluate, deploy and serve models. Work on backend services, Python libraries, model lifecycle tooling, evaluation workflows and low‑latency serving using Go/Python, Kubernetes and cloud infrastructure, prioritizing reliability, observability, safety and developer experience.

Lead credit strategy for Monzo's credit card products: design underwriting and limit strategies, analyse portfolio performance and profitability (NPV), build segmentation and forecasting, run deep-dive analyses, partner with Product/Engineering/Data Science, evaluate commercial/customer impacts, present recommendations to senior stakeholders, and ensure regulatory and governance alignment.

Design and optimise downstream data models in BigQuery to support reporting, ML, financial and regulatory use cases. Build and maintain scalable ETL pipelines, define data modelling and testing standards, improve warehouse performance and data quality, collaborate cross-functionally, own pipelines and provide occasional on-call support.

The Engineering Manager at Monzo will lead and develop autonomous teams, focusing on technical excellence, delivery outcomes, and fostering an inclusive environment for engineers, collaborating closely with Product Managers.