Jobs at Monzo Bank

Manage Monzo Europe's regulatory capital framework, including ICAAP planning, capital forecasting, stress testing, recovery and resolution plans, prudential regulatory change, and capital structure optimization. The role prepares financial reports for senior management, coordinates regulatory deliverables, partners with business and product teams, and provides treasury leadership coverage while supporting the growth of the European entity.

Lead and develop a team of 5–6 analytics engineers while contributing hands-on to data warehouse architecture, pipeline development, technical reviews, and governance. Prioritize and deliver central analytics engineering projects, establish data best practices, support hiring, partner with business collectives, and provide occasional out-of-hours pipeline support.

Own operating expense planning, forecasting, financial modeling, performance analysis, and cost efficiency initiatives for assigned business areas. Partner with senior stakeholders, Procurement, Finance Business Partners, and Cost Efficiency teams to investigate variances, assess business cases, challenge spending assumptions, and deliver actionable recommendations. Maintain financial controls, improve forecasting and reporting processes, and coach less experienced analysts.

Execute customer lifecycle CRM journeys across email, push, and in-app channels. Manage campaign performance, QA, segmentation, experimentation, documentation, and always-on campaigns. Collaborate with CRM managers, product teams, and stakeholders to deliver targeted, data-driven customer engagement and retention initiatives.

Leads supplier performance for outsourced FinCrime, fraud, and disputes operations. Manages offshore partners and oversight teams, ensuring service delivery, customer experience, quality, risk management, forecasting, performance improvement, and change execution. Translates strategic goals into frontline processes, uses data to drive business decisions, and integrates partner leaders into domain performance reviews.

Manage outsourced customer operations partners across service delivery, quality, customer satisfaction, risk, forecasting, and change execution. Lead an oversight team, translate strategic goals into frontline actions, monitor performance metrics and risk events, influence non-direct-report managers, and integrate partner leaders into domain performance reviews. The role focuses on ensuring offshore partners operate as effective extensions of Monzo and deliver efficient, high-quality customer experiences.

Lead a team of Strategy Analysts focused on vulnerability, accessibility, inclusion, and bereavement outcomes. Translate strategic priorities into data-driven programs, embed VAIB considerations across products and services, manage risk and regulatory governance, analyze customer and operational insights, resolve complex escalations, and collaborate with Operations, Product, Risk, Data, and Engineering stakeholders.

Own strategic VAIB workstreams that improve outcomes for vulnerable, disabled, excluded, and bereaved customers. Analyze data, feedback, and operational insights; develop evidence-based recommendations; manage governance, risk, and regulatory controls; resolve complex escalations; and collaborate with Product, Engineering, Operations, Risk, and Data teams. The role also involves coaching colleagues and embedding accessibility and inclusion into products, services, and customer journeys.

Leads Monzo’s Growth and Marketing data function, building and developing high-performing Data teams while shaping marketing measurement, experimentation, growth strategy, metrics, and data products. Partners with senior leadership to guide investment decisions across markets and customer segments, translate complex business challenges into technical solutions, and improve data-driven decision-making. Requires strong Data Science expertise, commercial judgment, stakeholder influence, and experience leading teams at Director level or above.

Manage relationships with Irish, European, PRA, and FCA regulators. Prepare and facilitate regulatory meetings, reviews, visits, information requests, notifications, and technically complex submissions. Track regulatory deliverables and deadlines, produce executive reports, coordinate stakeholders, and enhance regulatory engagement policies and procedures. The role also supports incident communications, risk and compliance initiatives, and education on the regulatory landscape.

Manage month-end close, group consolidation, financial reporting, management commentary, and financial controls. Support audits, new product accounting, accounting policy assessments, chart of accounts integrity, and process improvements. Use SAP S/4HANA, SQL, automation, and AI to improve reporting efficiency and scalability while partnering with Finance, product teams, and external auditors.

Lead information security projects across third-party security, governance, and vulnerability management. Represent Security in company-wide projects, identify and manage risks, develop security policies and procedures, mentor Security Analysts, monitor emerging threats, and collaborate with audit and risk teams to assess security controls. The role is a 12-month fixed-term position with UK-based remote or London work options.

Build and evolve Monzo’s native Android banking app in an autonomous, interdisciplinary product squad. Develop polished, resilient, well-tested experiences using Kotlin and modern Android technologies, contribute to product decisions, collaborate with design and research, and improve engineering practices. Responsibilities include shipping Play Store apps, writing unit and UI tests, participating in code reviews, handling ambiguity, and influencing both what and how the team builds.

Leads fraud strategy and risk management across UK and EU banking products. Designs and oversees fraud controls, investigation processes, reporting, threat intelligence, and performance analytics. Partners with Product, Engineering, Data, and Operations teams to deliver scalable fraud prevention initiatives and manage large-scale change. Coaches and develops a high-performing fraud risk team while balancing customer experience, regulatory obligations, and business objectives.

Leads Monzo’s global tax strategy and team across the UK, Europe, and future markets. Oversees direct, indirect, employment, transfer pricing, and customer taxes; advises on product development, international expansion, and group structures; manages tax authority relationships, audits, and compliance. Partners with executives, product, engineering, and treasury teams while modernizing tax operations through AI, workflow tools, and automation.

Build and evolve Monzo’s native Android banking application within an autonomous, cross-functional product squad. Responsibilities include developing polished user experiences, writing resilient and well-tested Kotlin code, contributing to product decisions, collaborating with design and research, and improving Android engineering practices and platform capabilities. The role involves shipping features, testing Compose screens and app flows, participating in code reviews, and contributing to technical and product outcomes for millions of customers.

Develop and improve financial forecasting models supporting budgeting, stress testing, IFRS 9 expected credit loss, and ICAAP activities. Establish financial modeling best practices, assess regulatory compliance, deliver model enhancements, and present results to senior management. Collaborate with portfolio strategy, model validation, finance, and external audit teams while using Python, SQL, and related analytics technologies.

Lead product marketing for a multi-product Collective: set one-year strategy, drive market intelligence, shape product strategy and positioning, own launch sequencing and briefs, embed product-market fit into squads, and coach/raise standards for a small team. Partner with Integrated Marketing to translate propositions into go-to-market execution across UK and European markets.

Own the roadmap and delivery of Monzo’s internal controls and risk product platform. Build low-code prototypes, automated workflows, API integrations, AI-enabled tools, and real-time risk monitoring. Lead adoption across risk teams, guide two data and automation specialists, and partner with Product, Engineering, Data, Operations, and Risk stakeholders to replace manual control processes with scalable self-service solutions.

Leads credit and growth strategy for consumer lending products in Ireland and the EU. Manages analysts, develops underwriting, pricing, affordability, and NPV strategies, monitors lending performance, collaborates on ML models, supports product launches, and communicates insights to executive stakeholders. The role also ensures appropriate credit capabilities, infrastructure, regulatory compliance, and cross-functional coordination.