Jobs at Monzo Bank

Coordinates operational resilience for Monzo Bank Limited, including important business service mapping, impact tolerance monitoring, scenario testing, ICAAP inputs, business continuity planning, governance committee support, and resilience policy compliance. The role requires collaboration with business areas, senior stakeholders, and global resilience teams to maintain regulatory readiness and strengthen disruption response capabilities across UK operations.

Leads Operations strategy and commercial performance during a 12-month leave cover. Responsibilities include P&L and unit economics analysis, strategic recommendations, roadmap coordination, investment evaluation, cross-functional alignment, and delivery of initiatives improving operational scalability, efficiency, and profitability. The role partners with Operations, Product, Engineering, Finance, and senior leadership to manage priorities, risks, dependencies, and execution.

Leads and develops a team of Data Scientists and other Data professionals, setting strategic direction and identifying high-impact opportunities. Partners with Product, Engineering, and senior stakeholders to shape product strategy and influence decisions through experimentation, causal inference, statistical modelling, machine learning, and analytics. Ensures analytical work drives measurable customer and commercial outcomes while collaborating with other data disciplines on tooling and infrastructure. Also contributes to hiring, coaching, technical standards, and the broader Data Science practice.

Develops and delivers internal communications plans, campaigns, and operational messaging across the organization. Advises stakeholders on audience, timing, channels, and tone; manages communications requests, trackers, rollouts, and documentation. Measures engagement using data, improves processes, creates copy, visuals, guides, and presentations, and supports employee engagement initiatives. The role also facilitates workshops, maintains compliance with privacy and security requirements, and builds trusted relationships with operational leaders.

Lead a financial crime data science team focused on detecting, preventing, and mitigating financial crime. Partner with Product, Risk, Engineering, and control owners to shape data strategy, generate strategic insights, improve product decisions, and deliver rigorous analytics and machine learning solutions. Hire, develop, and retain data scientists and analysts while supporting innovation through business intelligence, experimentation, causal inference, and self-serve analytics.

Lead the design of high-quality web experiences that help customers discover Monzo. Use research, data, experimentation, and strong visual and interaction design to improve customer and commercial outcomes. Partner with Product, Engineering, Data, and Research, shape product direction, solve ambiguous problems, mentor designers, and use AI to improve the design workflow.

Two-year graduate programme with three rotations across credit strategy, machine learning, regulatory modelling, and credit risk assurance. The role involves using data, experimentation, statistical techniques, and commercial analysis to improve lending decisions, assess credit losses, support regulatory requirements, and review model robustness. Graduates receive training in SQL, Python, data analysis, and communication while collaborating with Product, Engineering, Finance, Risk, and Machine Learning teams.

Recruit candidates for corporate and business functions, partnering with hiring managers and executives to define requirements, structure assessments, source talent, manage applications, and deliver excellent candidate experiences. The role owns hiring processes end to end, supports diversity and inclusion, uses data to improve recruiting effectiveness, and contributes to broader hiring initiatives. Candidates should be resourceful, empathetic, adaptable, comfortable with stakeholders, and able to assess skills beyond job titles or qualifications.

Leads product design for Monzo’s Payments business area, setting design strategy and vision, partnering with Product and Engineering leadership, shaping roadmaps, and driving high-quality execution. Builds and develops a high-performing design team, coaches designers, raises design quality, strengthens collaboration and craft, and expands design’s influence across the organisation and customer experience.

Review and approve Monzo’s financial promotions and product claims for compliance with FCA and ASA requirements. Improve approval processes, substantiate marketing claims, create training materials for product launches, and monitor regulatory developments. The role partners with Marketing and Product teams to support customer growth while protecting the company’s brand and reputation.

Provides independent second-line oversight and challenge of operational, technology, information security, and resilience risks across EU digital banking operations. Reviews controls, risk assessments, incidents, remediation, business continuity, and technology strategies; supports risk frameworks and policies; coordinates assurance reviews; oversees DORA compliance; and reports risk insights to governance forums and senior management.

Maintain and enhance Finance risk and control frameworks across financial reporting, reconciliations, regulatory reporting, tax, treasury, and capital processes. Design risk-control matrices, test control effectiveness, review evidence, identify gaps, track remediation, and prepare leadership and governance reporting. Partner with Risk & Compliance, Internal Audit, external auditors, and Finance stakeholders to strengthen processes and ensure regulatory reporting assurance.

Leads Monzo’s Investments and Pensions business, driving customer and commercial growth, investment proposition strategy, pricing, asset selection, due diligence, and European expansion. Builds business cases, partners cross-functionally with Product, Finance, Legal, Risk, Compliance, and external partners, and influences senior stakeholders. Manages and coaches a high-performing team while translating wealth strategy into measurable customer and business outcomes within a regulated environment.

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.

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.

Own Payments Product Operations for Spain and support European expansion: select and manage partners, run payment scheme implementations, build scalable back-office processes, collaborate with engineering and product, manage performance and SLAs, and drive continuous improvement post-launch.