Monzo

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ Our Operations Data team consists of over 40 people across 4 data disciplines: Analytics Engineering, Data Analytics, Machine Learning, and Data Science. In our Operations Collective, you'll have the opportunity to embed into an area that is the heart of how we work with our customers' problems - delivering award winning customer support - and is full of data challenges. Data and Machine Learning supports all aspects of Operations, from workforce planning to customer support experience, to enabling teams to work effectively and efficiently. You'll work closely with the Product and Engineering in an agile product environment. You'll champion the use of data, bring ideas to life through a rigorous analytical approach. Your work will focus on improving our efforts in customer demand insights & help assistance. You'll help your team grow, hiring new team members, supporting their personal development. You will manage a team with Data Scientists and Data Analysts, working together with Analytics Engineers to drive product innovation and you'll get to see the impact of all your work in the product changes we make. We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data folk the head space to focus on more impactful business questions and analyses. Be a key leader in building a discipline of exceptional data scientists and analysts working on making Monzo Operations world class for everyone Help hire, develop and retain talented Data people Generate insights that can change the direction of our customer operations strategy Bring data leadership and rigour to our approach to product development and build a strategic understanding of the business while structuring complex projects to bring them to life Liaise with product and engineering managers to make sure we collect the right data to produce relevant business insights We would love to hear from you if What we're doing here at Monzo excites you! You must have at least 4 years of experience as a Data Science Manager You are a strong strategic data leader and love to drive decisions Strong experience with working with executive or C-level peers, managing stakeholders across levels of seniorities and disciplines You're excited by the opportunity to work autonomously to impact the future of a fast growing, ever evolving business You're familiar with using a variety of Data Science tools (from business intelligence, experimentation and causal inference through to machine learning), and coding languages (Python and SQL). You know when to pick the right tool, and can help others do the same You know how to build confidence with senior leaders across the business You have strong product knowledge and have built data products previously You have experience working with teams that build ML models and you understand how to build the right data set for ML models The interview process: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! 30 minute recruiter call 45 minute call with hiring manager 3 x 1-hour video calls with various team members Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on What's in it for you: ️ We can help you relocate to the UK We can sponsor visas This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences And much more, see our full list of benefitshere Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage Apply for this job indicates a required field First Name Last Name Email Phone Country Phone Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Enter manually Accepted file types: pdf, doc, docx, txt, rtf Select A US Person is defined as someone who: was born in the United States (US) has at least 1 parent who was born in the US is a naturalised citizen of the US is a green card holder is a US tax resident Please confirm your UK Right to Work status. Select We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor. Keeping your data safe is really important to us. Select If you'd like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you'd like to, please spell out your name how it's pronounced so we know how to say it. Identity survey Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is: Voluntary . And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not. Anonymous to Monzo . We can't tie your responses to you and they won't make a difference to the outcome of your application. We'll only use grouped responses for equal opportunities monitoring in our hiring process. By filling out this survey, you agree that we can use your responses for the purposes we've mentioned above. You are not letting us know if we need to make any adjustments to the hiring process because of disability or neurodiversity - to do this please email us. How would you describe your gender identity? Select Do you identify as transgender? Select What's your sexual orientation? Select Do you identify as having a disability? Select Do you consider yourself to be neurodivergent? Select How would your describe your ethnicity? Select By checking this box, I consent to Monzo collecting, storing, and processing my responses to the demographic data surveys above.

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ Our Operations Data team consists of over 40 people across 4 data disciplines: Analytics Engineering, Data Analytics, Machine Learning, and Data Science. In our Operations Collective, you'll have the opportunity to embed into an area that is the heart of how we work with our customers' problems - delivering award winning customer support - and is full of data challenges. Data and Machine Learning supports all aspects of Operations, from workforce planning to customer support experience, to enabling teams to work effectively and efficiently. You'll work closely with the Product and Engineering in an agile product environment. You'll champion the use of data, bring ideas to life through a rigorous analytical approach. Your work will focus on improving our efforts in customer demand insights & help assistance. You'll help your team grow, hiring new team members, supporting their personal development. You will manage a team with Data Scientists and Data Analysts, working together with Analytics Engineers to drive product innovation and you'll get to see the impact of all your work in the product changes we make. We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data folk the head space to focus on more impactful business questions and analyses. Be a key leader in building a discipline of exceptional data scientists and analysts working on making Monzo Operations world class for everyone Help hire, develop and retain talented Data people Generate insights that can change the direction of our customer operations strategy Bring data leadership and rigour to our approach to product development and build a strategic understanding of the business while structuring complex projects to bring them to life Liaise with product and engineering managers to make sure we collect the right data to produce relevant business insights We would love to hear from you if What we're doing here at Monzo excites you! You must have at least 4 years of experience as a Data Science Manager You are a strong strategic data leader and love to drive decisions Strong experience with working with executive or C-level peers, managing stakeholders across levels of seniorities and disciplines You're excited by the opportunity to work autonomously to impact the future of a fast growing, ever evolving business You're familiar with using a variety of Data Science tools (from business intelligence, experimentation and causal inference through to machine learning), and coding languages (Python and SQL). You know when to pick the right tool, and can help others do the same You know how to build confidence with senior leaders across the business You have strong product knowledge and have built data products previously You have experience working with teams that build ML models and you understand how to build the right data set for ML models The interview process: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! 30 minute recruiter call 45 minute call with hiring manager 3 x 1-hour video calls with various team members Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on What's in it for you: ️ We can help you relocate to the UK We can sponsor visas This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences And much more, see our full list of benefitshere Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage Apply for this job indicates a required field First Name Last Name Email Phone Country Phone Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Enter manually Accepted file types: pdf, doc, docx, txt, rtf Select A US Person is defined as someone who: was born in the United States (US) has at least 1 parent who was born in the US is a naturalised citizen of the US is a green card holder is a US tax resident Please confirm your UK Right to Work status. Select We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor. Keeping your data safe is really important to us. Select If you'd like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you'd like to, please spell out your name how it's pronounced so we know how to say it. Identity survey Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is: Voluntary . And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not. Anonymous to Monzo . We can't tie your responses to you and they won't make a difference to the outcome of your application. We'll only use grouped responses for equal opportunities monitoring in our hiring process. By filling out this survey, you agree that we can use your responses for the purposes we've mentioned above. You are not letting us know if we need to make any adjustments to the hiring process because of disability or neurodiversity - to do this please email us. How would you describe your gender identity? Select Do you identify as transgender? Select What's your sexual orientation? Select Do you identify as having a disability? Select Do you consider yourself to be neurodivergent? Select How would your describe your ethnicity? Select By checking this box, I consent to Monzo collecting, storing, and processing my responses to the demographic data surveys above.

Overview We're on a mission to make money work for everyone. We're not about selling products - we want to solve problems and change lives through Monzo. This remote role in the UK offers a salary of £43,400 - £54,850 depending on experience, plus share options and benefits. We're looking for an experienced Instructional Design Leader to define the future of learning at Monzo. You will lead and mentor a team of designers, setting and upholding design standards across all training materials, with a focus on simplicity, functionality, and accessibility. This role is part of a broader evolution in Training and Development within Monzo Customer Operations. Responsibilities Overseeing the maintenance of our LMS platform, ensuring content is current, clean, and well organized. Supporting Designers in converting curriculums and learning outcomes into engaging training programmes. Quality checking training programmes to maintain high standards across all materials. Developing Designer writing skills to craft compelling content. Championing accessibility and inclusion in all training solutions and materials. Ensuring materials are fit for purpose across all sites, considering global and local requirements. Developing and refining design standards to continually improve quality and impact. Implementing and overseeing version control of all training materials. Applying deep expertise in learning experience design to integrate design, functionality, and accessibility. Leading and mentoring a design team to grow capabilities and performance. Managing relationships with Business Partners, Operations Leads, and COps learners. Maintaining, updating, verifying, reviewing, and archiving courses in the LMS. Applying expert understanding of Instructional Design Principles and adult learning theory. Driving impact by delivering high-quality training that benefits both learners and the business. Qualifications Proven leadership experience in an L&D environment with a track record of mentoring and developing design teams. Strong expertise in instructional design, learning experience design, accessibility, and inclusion. Experience ensuring materials are fit for purpose across multiple sites and regions. Excellent collaboration and relationship-management skills with stakeholders at all levels. Experience with LMS management and content governance, including version control. Commitment to delivering high-quality, impactful training that aligns with business goals. What's in it for you This role is remote-based in the UK. We will set you up to work from home; all employees are provided with Macbooks and additional support for home setups for fully remote workers. A £1,000 learning budget is provided each year for books, training courses, and conferences. Application journey Phone screening with Recruiter 30-minute initial Hiring Manager call 1-hour role-specific interview 1-hour values interview Process duration is typically 2-3 weeks, with flexible scheduling. We may provide guidelines on the use of AI to aid applications and interviews. Equal opportunities Monzo is an equal opportunity employer. Diversity and inclusion are priorities, and we are committed to an inclusive environment for all people to do their best work. All applicants will be considered for employment without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, disability status, or neurodiversity.

Credit Risk Director, Business Borrowing Cardiff, London or Remote (UK) We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ Our Borrowing (lending) team is growing as we look to develop our suite of borrowing products for business banking customers; sole traders and limited companies. We're looking for a Director to lead the credit strategy for Business Borrowing. You will lead the team responsible for defining the credit and pricing as we look to evolve our existing propositions and develop new products. We aim to create a genuine feel-good factor when it comes to business credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We're great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses. Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way. Leading the team designing credit and pricing strategies for our business lending products Monitoring the performance of our existing strategies, and iterating to improve them Supporting the design and roll-out of new products and customer journeys Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk Overseeing the development and monitoring our credit models to forecast cash flows and assess net present value of new lending cohorts Providing guidance and challenge on credit proposals which will be adopted as Monzo underwriting policy Partner closely with key stakeholders including Capital, Impairments and Forecasting, Financial Health (Collections and Recoveries), Finance, Second Line Credit Oversight Be a member of the Borrowing Leadership Team which drives Monzo's overall borrowing strategy You should apply if: You have strong domain expertise in providing lending products to small businesses You have a deep understanding of how business lending works, including regulation and industry best practice You have a solid understanding of lending economics and have experience developing and deploying underwriting strategies and credit models You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus You are a strong communicator, able to cut through complex problems and articulate decision points You have a track record in project management and leading high performing teams You work well collaborating in a team with diverse skill-sets and personality types Are comfortable working in a fast-moving and changing company What's in it for you: ️ We'll help you relocate to the UK. We can sponsor your visa. This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. £1,000 learning budget each year to use on books, training courses and conferences. We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. The application journey has 3 key steps Initial Interview with the Hiring Manager Final Loop This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo.You can read them here. You'll hear from us throughout the application process, but if you've got any questions, please reach out . You can also use this email address to let us know if there's anything we can do to make the process easier for you because of disability, neurodiversity or anything else. Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage Apply for this job indicates a required field First Name Last Name Preferred First Name Email Phone Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Enter manually Accepted file types: pdf, doc, docx, txt, rtf

Credit Risk Director, Business Borrowing Cardiff, London or Remote (UK) We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ Our Borrowing (lending) team is growing as we look to develop our suite of borrowing products for business banking customers; sole traders and limited companies. We're looking for a Director to lead the credit strategy for Business Borrowing. You will lead the team responsible for defining the credit and pricing as we look to evolve our existing propositions and develop new products. We aim to create a genuine feel-good factor when it comes to business credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We're great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses. Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way. Leading the team designing credit and pricing strategies for our business lending products Monitoring the performance of our existing strategies, and iterating to improve them Supporting the design and roll-out of new products and customer journeys Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk Overseeing the development and monitoring our credit models to forecast cash flows and assess net present value of new lending cohorts Providing guidance and challenge on credit proposals which will be adopted as Monzo underwriting policy Partner closely with key stakeholders including Capital, Impairments and Forecasting, Financial Health (Collections and Recoveries), Finance, Second Line Credit Oversight Be a member of the Borrowing Leadership Team which drives Monzo's overall borrowing strategy You should apply if: You have strong domain expertise in providing lending products to small businesses You have a deep understanding of how business lending works, including regulation and industry best practice You have a solid understanding of lending economics and have experience developing and deploying underwriting strategies and credit models You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus You are a strong communicator, able to cut through complex problems and articulate decision points You have a track record in project management and leading high performing teams You work well collaborating in a team with diverse skill-sets and personality types Are comfortable working in a fast-moving and changing company What's in it for you: ️ We'll help you relocate to the UK. We can sponsor your visa. This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. £1,000 learning budget each year to use on books, training courses and conferences. We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. The application journey has 3 key steps Initial Interview with the Hiring Manager Final Loop This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo.You can read them here. You'll hear from us throughout the application process, but if you've got any questions, please reach out . You can also use this email address to let us know if there's anything we can do to make the process easier for you because of disability, neurodiversity or anything else. Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage Apply for this job indicates a required field First Name Last Name Preferred First Name Email Phone Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Enter manually Accepted file types: pdf, doc, docx, txt, rtf

Overview We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo. We have around 400 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company. These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities. This role is all about collaborating with your team to make a difference to your customers. As a backend engineer you'll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more! Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of 100 people). They are: Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion. All of our collectives are doing innovative work, many of which have machine learning and AI at the forefront- from fighting financial crime to building smarter financial tools - and you may have the opportunity to join a collective that gives you direct exposure to this exciting space. They're all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need! Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we'd love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles. Locations & flexible working Our main tech hub is in London, but our engineers live everywhere in the UK-from Brighton to the Western Isles. We value meeting in person but there's no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. Our offices are social, especially Tuesdays, Wednesdays and Thursdays, which line up with our twice-weekly Monzo lunches and treat Thursdays. Work schedule and flexibility Set up a work schedule that delivers impact and fits your life. At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You'll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. Work the way that works for you with Monzo! You should apply if you have strong experience working on the backend of a technology product you want to be involved in building a product that you (and the people you know) use every day you have a product mindset: you care about customer outcomes and you want to make data-informed decisions you're comfortable working in a team that deals with ambiguity you're interested in distributed systems and writing resilient software you have some experience with strongly-typed languages (Go, Java, C, Scala etc.). you think you'd enjoy the kind of work we're doing We're on the look out for L40 Engineers at the moment, you can read more in our Engineering Progression Framework you will be interviewed across the whole framework, so if you're not sure what level you're aiming for chat to your recruiter! Not ticking every box? That's totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we're dedicated to creating a diverse and welcoming team. If you're passionate about this role and keen to learn and grow with us, we encourage you to apply- even if you don't have everything that's listed just yet. Drop us your application, we'd love to hear from you! What you'll be working on We hire very technically agnostic so whilst we use the below technologies we do not expect prior knowledge, you will be fully supported in our organised onboarding to get up to speed in the below: Go to write our application code (there's an excellent interactive Go tutorial here) AWS for most of our production infrastructure and GCP for most of our data infrastructure React for our public web apps and internal tools We also have physical datacenters with actual cables to connect to various third parties The Interview Process Our interview process involves three main stages: Initial Call Take home task or pair coding exercise Final interview: including a system design and a behavioural interview Our average process takes around 4 weeks, but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process, but if you do have any specific questions ahead of this please contact us on One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here. What's in it for you We can help you relocate to the UK. We can sponsor visas. This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences. And much more, see our full list of benefits here. We're usually always hiring for Backend Engineers, so there's no closing date for this job. Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage.

Senior Staff Machine Learning Scientist, Operations London Overview We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award-winning customer service, we have a long history of creating magical moments for our customers. We're not about selling products - we want to solve problems and change lives through Monzo. Our Operations Data team consists of over 25 people across 4 data disciplines: Analytics Engineering, Data Analytics, Machine Learning, and Data Science. In our Operations Collective, you'll embed into an area that is the heart of how we work with our customers' problems - delivering award-winning customer support - and is full of data challenges. Machine Learning supports all aspects of Operations, from workforce planning to customer support experience, to enabling teams to work effectively and efficiently. Responsibilities Define and execute the strategic vision for ML across Operations and adjacent business areas. Define reusable ML architectures and modelling standards adopted by multiple teams, and guide the development of complex systems that serve as the foundation for multiple products and problem spaces. Act as a senior technical authority, setting best practices and architectural patterns for ML across the organization. Collaborate with Engineering, Product, and Leadership teams to integrate ML-driven solutions into core business processes. Advocate for and implement responsible AI practices, ensuring fairness, robustness, and transparency in our models. Mentor and coach ML practitioners at all levels, fostering a culture of continuous learning and innovation. Engage with the broader ML community, sharing knowledge through conferences, blog posts, and open-source contributions. You have a proven track record of leading large-scale ML initiatives with tangible business impact, preferably in a fast-moving tech company. You have led the development and adoption of reusable ML modelling patterns, architectures, or infra across large organizations. You have experience developing state-of-the-art deep learning models, LLMs, and advanced AI architectures. You are an industry expert in ML model development, deployment, and MLOps at scale. You are deeply comfortable with Python, SQL, and ML frameworks (e.g., TensorFlow, PyTorch) and have experience working in a microservices architecture (Go Lang experience is a plus). You have extensive experience with real-time ML applications, reinforcement learning, graph-based models, and/or NLP. You can communicate complex ML concepts to both technical and non-technical audiences, influencing senior stakeholders and executives. You thrive in ambiguous, fast-changing environments and have a proactive, problem-solving mindset. You have a passion for mentoring, and can elevate the ML skill set across the organization influencing both cross-functional and executive strategy. Nice to haves Track record of shaping ML strategy and system design in highly-scaling support or operational environments. Contributions to industry standards, open source software libraries, or public thought leadership in machine learning systems. The Interview Process Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! 30 minute recruiter call 1 hr call with hiring manager 4 x 1-hour video calls with various team members (short presentation included) Our average process takes around 3-4 weeks but we will always work around your availability. If you have any specific questions ahead of this please contact us at What's in it for you We can help you relocate to the UK We can sponsor visas This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for training courses and conferences And much more, see our full list of benefits here If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

Overview Product Director, Core Banking (Accounts) - London; Remote (UK). We're on a mission to make money work for everyone. We're moving away from the traditional, confusing banking experience and focus on solving problems and changing lives through Monzo. Core Banking is responsible for the current account that serves 12 million customers, including Personal, Joint, U16s and 16-17 accounts, and Subscriptions (Extra, Perks and Max). It also powers features like the 1p Savings Challenge, Pots, Trends and more. What you'll be working on As a Product Director within Core Banking, you'll lead a team of Product Managers to define and deliver a strategy to make everyday money magical for everyone. You'll be responsible for our main account types (personal, joint, U16s, 16-17) and core value propositions like travel, shared finances, rewards and loyalty, and money management (including payday, bills, budgeting, insights and more). What you'll do Lead the charge: build a product vision and strategy for your area, ensuring alignment with Monzo's goals and an exceptional customer experience. Develop a team: build and coach a high-performing product team to obsess over customers, innovate, move quickly and ultimately enjoy their work. Communicate effectively: get people inspired by the product vision and share the right context with the right people at the right time. Collaborate seamlessly: partner with engineering, design, data, research, marketing and other teams across Monzo to get stuff done. Have impact: define, deliver and measure the impact of the customer-focused experiences you create. You should apply if You are a seasoned product leader, and have a track record of leading high-performing product teams at a fast-growing consumer tech company to: build highly engaging (daily/weekly) experiences for millions of customers deliver company trajectory-changing impact (nice-to-have) build a multi-market product, with a proven ability to balance priorities across geographies You're data-driven and commercial, and have a track record of collaborating with data scientists to define key metrics, run experiments, and deliver business impact. You can systematically break down and solve complex problems. You have good judgement, and you're able to make good decisions in complex situations where there's often no "right answer". You have the urge and resilience to challenge the status quo and make things better, and are full of creative ideas for how to do so. You can work effectively with a diverse range of people and working styles - spanning engineering, design, data, user research, marketing, legal and compliance - to get stuff done. You're a great storyteller, who is able to motivate, energise and inspire people towards a common goal. You're passionate about building value for customers and not just achieving business results, and are excited about our mission at Monzo. You're intellectually honest about your work's performance, continually striving for improvement. You're a fast learner, humble and curious, and enjoy learning every day and sharing your knowledge and experience. You've managed a team of PMs, have a proven ability to coach and develop others, and can provide clear and constructive feedback to your team and other disciplines. You can get hands-on when necessary, to fill gaps - in people or experience - and set a practical example for what great looks like. The interview process Our interview process involves 4 main stages: Initial Call with Hiring Manager Final Loop, consisting of x3 hour long interviews to assess Project Walkthrough, Case Study and Leadership A final stage with a VP or CPO within the Product team Our average process takes around 5-6 weeks but we will always work around your availability. If you have questions ahead of this please contact What's in it for you £140,000 to £170,000 depending on experience plus stock options & benefits Relocation support to the UK Visa sponsorship Role can be based in London or distributed within the UK (with ad hoc meetings in London) Flexible working hours and trust to manage time to suit you and your team Annual learning budget of £1,000 for books, training courses and conferences And much more - see our full list of benefits If you prefer to work part-time, we'll make this happen whenever we can. Equal opportunities Diversity and inclusion are a priority for us and we're committed to supporting all of our people to grow at Monzo. We're an equal opportunity employer. All applicants will be considered without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage. Apply for this job Indicates a required field. First Name, Last Name, Email, Phone, Country, Resume/CV, etc. Please provide an accomplishment you are most proud of from your current role and confirm UK Right to Work status. We legally have to verify your Right to Work in the UK before you can start working for us. We will use your responses to demographic data surveys for equal opportunities monitoring. Participation is voluntary and anonymous to Monzo. This description is provided for informational purposes only and does not guarantee employment. We do not include extraneous job application fields beyond what is required for legitimate hiring purposes.

Cardiff, London or Remote (UK) Overview We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo. The Change & Continuous Improvement team is the bridge between our Product and Operations teams and keeps us agile, efficient, and always evolving. You'll be at the heart of transformation: shaping how change lands across our Customer Operations teams, creating magical customer journeys, removing friction from processes, and empowering our teams to deliver better, faster, and more confidently. This isn't just about fixing what's broken - it's about making good things even better. Responsibilities Provide leadership and support to a team of Wealth Change & Continuous Improvement Partners; Responsible for ensuring the delivery of fast moving projects, from process redesign to product launches. Support the team to unblock challenges and drive pace while ensuring alignment to strategic goals. Ensure Customer Ops processes and workflows are maintained and work seamlessly and lead on plans to implement change and improvements where necessary. Drive a culture of proactivity, continuous improvement and innovative change through your direct team and a wider group of stakeholders. Lead collaboration with the stakeholders across Product, Ops, Risk and Customer Ops to ensure change and transformation is landed and embedded effectively within the domain. Track the impact of change and improvements through KPIs, metrics and feedback loops. Identify and communicate emerging trends, opportunities and response plans. Provide oversight, development and delivery of Customer Ops readiness plans and principles. Oversee the maintenance and development of our operational guidance and processes to ensure they accurately reflect our policies, standards and procedures. Ensure help articles and other customer facing materials remain current. Maintain documentation for service level agreements and hard deadlines for all operational tasks; propose changes as required via governance routines. Manage team rituals, planning meetings and retrospectives - making sure the information flow in and out of the team is easy and effective. Own real-time feedback loops with our teams who are speaking to our customers to gain a deep understanding of the Customer and Customer Ops experience. Experience leading a team and influencing strategic priorities. Strong ability to coach and develop teams and individuals, essentially with FinTech. Preferable experience within savings, investments, pensions or wealth related products. Proven track record of end to end project delivery and experience in leading through change. A delivery mindset. You know how to break work down, prioritise effectively, and keep teams focused on value. Understanding of how regulatory frameworks can influence operational change and design. Able to interpret and use data (operational, qualitative, and quantitative) to identify problems, measure improvements, and support strategic decision-making. Confidence in managing stakeholder relationships and navigating ambiguity. You bring structure and calm to fast-moving situations. Ability to provide specific actionable feedback to a wide range of audiences and levels. Ability to build and maintain strong relationships with key stakeholders You are comfortable and energised by ambiguity and a proactive problem solver with a bias for action. Advanced skills in planning and organisation with the ability to re-prioritise workload and be able to effectively deal with change at short notice. Fluency in MacOS, Slack, and GSuite tools and the ability to adapt to learn new systems and processes. What's in it for you £1,000 learning budget each year to use on books, training courses and conferences. We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. Application process Recruiter call (30 mins) Values Interview (60 minutes) Role Specific (60 minutes) Equal opportunities Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran status, neurodiversity or disability status. Apply for this job If you'd like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you'd like to, please spell out your name how it's pronounced so we know how to say it. What are your salary expectations? Please note this role is paying between £50,200 - £60,000. What is your current notice period? Describe your experience as a Change & Continuous Improvement Manager or Lead in FinTech. How do you establish a clear vision and goals for your team? Please provide an example from your previous experience.

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ London, Cardiff or Remote (UK) £70,000 - £90,000 + Stock options + Benefits Data About us: At Monzo we believe there's a better way to do banking - we care deeply about our customers, are innovative and execute quickly. We encourage an open, collaborative, inclusive working environment. We're looking to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly (both on our existing products, and with the planned launch of new products). We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. We are scaling up our second line of defence Credit Risk team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help ensure the models we use are not only good for Monzo but what's best for our customers. The role will provide independent validation and oversight of models across critical business disciplines such as IFRS 9 (PD, LGD, EAD, macroeconomic models), ICAAP, Borrowing decisions and strategy. Strong data and analytical skills are a must, as is a deep expertise in credit risk modelling, and at least some of the following areas: scorecard modelling, IFRS9 provision methodology, Net Present Value modelling, capital modelling and stress testing. Monzo's Credit Risk (Risk and Compliance) and Data Team Our mission in the Risk and Compliance is to To help Monzo grow safely The second line of defence Model Oversight team (that's us!) provides support to our colleagues in Borrowing, Fincrime & Fraud and Finance to help Monzo grow safely. OurData team 's mission is to Enable Monzo to Make Better Decisions, Faster At the core of this mission sits our data platform. We're great believers in powerful, real-time analytics and empowerment of the wider business. Our engineers collect analytics events from their microservices, and upload these into our Data stack for analysis. We optimise for simplicity and re-usability - all our data lives in one place and is made available via our data warehouse in Google BigQuery. We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them): AWS for most of our backend infrastructure Perform independent model validation as part of our second line of defence Credit Risk teams and making sure the credit risk models are fit for purpose (including IFRS 9, NPV, Stress Testing, ICAAP, Decision Science scorecards, economic response models) Review ongoing model performance monitoring to ensure the Borrowing models are performing within risk thresholds and providing support to the Borrowing model development team when further action is required Review and challenge our provisions and adequacy, including reviewing the 1st line of defence analysis; performing independent analysis and testing; actively contributing into discussions of emerging regulatory changes and best practices (SS1/23; 'Dear CFO letter'); presenting materials to the monthly impairment council and building governance and controls around the framework Improve our Model Risk Framework including policies, standards and procedures helping to embed best practice in the business. Making sure it follows up-to date regulatory guidelines and it is relevant for modern modelling techniques Write clear and impactful model validation reports and present the findings in relevant committees Build relationships with first line of defence Borrowing credit strategy and modelling teams and wider risk teams to support the embedding of the model risk framework and an understanding of model validation practices to help Monzo grow safely. Support the effective operation of the Model Risk Oversight Committee as a regular attendee, contributing to the group discussion to improve model risk management. You should apply if: You have a strong background and experience in credit models development and/or validation in some of the following areas: IFRS 9 (PD, EAD, LGD, economic response models), IRB, stress testing, decision science scorecards (including machine learning models), net present value, forecasting You have strong analytical skills and a track record of using these to deliver technical projects and in-depth knowledge of statistical techniques for management of credit and model risk You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo's tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so You're a team player whom your colleagues can rely on You can provide effective challenge whilst building strong, respectful relationships You are keen to grow your knowledge in both business and technology The Interview Process: Our interview process involves 4 main stages: Initial Call with the hiring manager Take Home Task (preparation for the role specific interview) Role specific Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on What's in it for you: London or remote in the UK We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences And much more, see our full list of benefits here Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage Apply for this job indicates a required field First Name Last Name Email Phone Country Phone Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Select A US Person is defined as someone who: was born in the United States (US) has at least 1 parent who was born in the US is a naturalised citizen of the US is a green card holder is a US tax resident Please confirm your UK Right to Work status. We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor. Keeping your data safe is really important to us. If you'd like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you'd like to, please spell out your name how it's pronounced so we know how to say it. Identity survey Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is: Voluntary. And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question . click apply for full job details

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ London, Cardiff or Remote (UK) £70,000 - £90,000 + Stock options + Benefits Data About us: At Monzo we believe there's a better way to do banking - we care deeply about our customers, are innovative and execute quickly. We encourage an open, collaborative, inclusive working environment. We're looking to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly (both on our existing products, and with the planned launch of new products). We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. We are scaling up our second line of defence Credit Risk team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help ensure the models we use are not only good for Monzo but what's best for our customers. The role will provide independent validation and oversight of models across critical business disciplines such as IFRS 9 (PD, LGD, EAD, macroeconomic models), ICAAP, Borrowing decisions and strategy. Strong data and analytical skills are a must, as is a deep expertise in credit risk modelling, and at least some of the following areas: scorecard modelling, IFRS9 provision methodology, Net Present Value modelling, capital modelling and stress testing. Monzo's Credit Risk (Risk and Compliance) and Data Team Our mission in the Risk and Compliance is to To help Monzo grow safely The second line of defence Model Oversight team (that's us!) provides support to our colleagues in Borrowing, Fincrime & Fraud and Finance to help Monzo grow safely. OurData team 's mission is to Enable Monzo to Make Better Decisions, Faster At the core of this mission sits our data platform. We're great believers in powerful, real-time analytics and empowerment of the wider business. Our engineers collect analytics events from their microservices, and upload these into our Data stack for analysis. We optimise for simplicity and re-usability - all our data lives in one place and is made available via our data warehouse in Google BigQuery. We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them): AWS for most of our backend infrastructure Perform independent model validation as part of our second line of defence Credit Risk teams and making sure the credit risk models are fit for purpose (including IFRS 9, NPV, Stress Testing, ICAAP, Decision Science scorecards, economic response models) Review ongoing model performance monitoring to ensure the Borrowing models are performing within risk thresholds and providing support to the Borrowing model development team when further action is required Review and challenge our provisions and adequacy, including reviewing the 1st line of defence analysis; performing independent analysis and testing; actively contributing into discussions of emerging regulatory changes and best practices (SS1/23; 'Dear CFO letter'); presenting materials to the monthly impairment council and building governance and controls around the framework Improve our Model Risk Framework including policies, standards and procedures helping to embed best practice in the business. Making sure it follows up-to date regulatory guidelines and it is relevant for modern modelling techniques Write clear and impactful model validation reports and present the findings in relevant committees Build relationships with first line of defence Borrowing credit strategy and modelling teams and wider risk teams to support the embedding of the model risk framework and an understanding of model validation practices to help Monzo grow safely. Support the effective operation of the Model Risk Oversight Committee as a regular attendee, contributing to the group discussion to improve model risk management. You should apply if: You have a strong background and experience in credit models development and/or validation in some of the following areas: IFRS 9 (PD, EAD, LGD, economic response models), IRB, stress testing, decision science scorecards (including machine learning models), net present value, forecasting You have strong analytical skills and a track record of using these to deliver technical projects and in-depth knowledge of statistical techniques for management of credit and model risk You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo's tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so You're a team player whom your colleagues can rely on You can provide effective challenge whilst building strong, respectful relationships You are keen to grow your knowledge in both business and technology The Interview Process: Our interview process involves 4 main stages: Initial Call with the hiring manager Take Home Task (preparation for the role specific interview) Role specific Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on What's in it for you: London or remote in the UK We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences And much more, see our full list of benefits here Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage Apply for this job indicates a required field First Name Last Name Email Phone Country Phone Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Select A US Person is defined as someone who: was born in the United States (US) has at least 1 parent who was born in the US is a naturalised citizen of the US is a green card holder is a US tax resident Please confirm your UK Right to Work status. We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor. Keeping your data safe is really important to us. If you'd like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you'd like to, please spell out your name how it's pronounced so we know how to say it. Identity survey Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is: Voluntary. And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question . click apply for full job details

Overview We're on a mission to make money work for everyone. We're not about selling products - we want to solve problems and change lives through Monzo. London, Cardiff or Remote (UK) £70,000 - £90,000 + Stock options + Benefits Data About us At Monzo we believe there's a better way to do banking - we care deeply about our customers, are innovative and execute quickly. We encourage an open, collaborative, inclusive working environment. We're looking to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly and we aim to create a genuine feel-good factor when it comes to personal credit. We are looking for driven, analytical and creative individuals to help us achieve this goal. We are scaling up our second line of defence Credit Risk team to support the rapid growth and evolution of our portfolio. This role provides independent validation and oversight of models across critical business disciplines such as IFRS 9 (PD, LGD, EAD, macroeconomic models), ICAAP, Borrowing decisions and strategy. What you will do Strong data and analytical skills are essential, with deep expertise in credit risk modelling. Areas include scorecard modelling, IFRS9 provision methodology, Net Present Value modelling, capital modelling and stress testing. The second line of defence Model Oversight team supports colleagues in Borrowing, Fincrime & Fraud and Finance to help Monzo grow safely. The Data team enables Monzo to make better decisions, faster. Perform independent model validation as part of the second line of defence for Credit Risk teams and ensure credit risk models are fit for purpose (including IFRS 9, NPV, Stress Testing, ICAAP, Decision Science scorecards, economic response models). Review ongoing model performance monitoring to ensure Borrowing models perform within risk thresholds and provide support to the Borrowing model development team when further action is required. Review and challenge provisions and adequacy, including reviewing first line analysis; perform independent analysis and testing; contribute to discussions of regulatory changes and best practices; present materials to the monthly impairment council and build governance around the framework. Improve the Model Risk Framework including policies, standards and procedures to embed best practice and ensure alignment with regulatory guidelines and modern modelling techniques. Write clear and impactful model validation reports and present findings to relevant committees. Build relationships with first line of defence Borrowing credit strategy and modelling teams and wider risk teams to support embedding the model risk framework and understanding model validation practices. Support the effective operation of the Model Risk Oversight Committee as a regular attendee. Required and desirable qualifications Background and experience in credit models development and/or validation in areas such as IFRS 9 (PD, EAD, LGD, economic response models), IRB, stress testing, decision science scorecards (including machine learning models), NPV, forecasting. Strong analytical skills and a track record of delivering technical projects with knowledge of statistical techniques for credit and model risk management. Solid technical toolkit: SQL and either Python or R is a must-have; data visualization tools (e.g., Tableau, PowerBI, Looker) are a plus. Ability to convey problems and solutions clearly in writing and verbally, with attention to Monzo's tone of voice. Impact-driven with a genuine interest in positive impact on the company, products, users and team. Self-starter mindset; proactively identify issues and opportunities and tackle them without prompting. Team player with the ability to provide constructive challenge while building respectful relationships. Keen to grow knowledge in both business and technology. Interview process Our interview process involves four stages: Initial Call with the hiring manager; Take Home Task; Role-specific interview. The process typically takes 3-4 weeks. For questions, contact . What's in it for you Location: London or remote in the UK. Flexible working hours and a learning budget of £1,000 per year for books, training courses and conferences. And more benefits available; see our full list of benefits here. Equal opportunities Diversity and inclusion are priorities at Monzo. We provide support for all employees to grow with us and are committed to making money work for everyone. All applicants will be considered without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status. If you have a preferred name or pronouns, please share them where applicable.

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ Our Mission in the Financial Crime, Fraud & Disputes Collective is to earn and keep our customers' trust, support Monzo's safe growth, and contribute to building a safer society. Our Fraud Operations are crucial to the success of this mission. In Fraud Customer Operations we protect Monzo, our customers, and wider society from fraud, to help Monzo achieve its mission of making money work for everyone. We're looking for an exceptional leader to join our leadership team as a Senior Fraud Operations Manager, leading a large team of c1000 people (c700 in the UK, c300 with our offshore partners) which includes highly skilled fraud investigators, team managers and operations managers. You'll be leading them and their teams to achieve their professional development goals, support customers who have reported fraud to us, and deliver on our fraud strategy. You'll be responsible for defining the strategy of the team, developing a customer centric and risk aware environment. Supporting our strategy for fraud operations, using subject matter expertise to continually develop effective account takeover, card fraud and authorised push payment fraud processes in line with regulatory requirements Influencing and collaborating with stakeholders to deliver domain wide and Monzo goals safely and efficiently, working closely with the Fraud Risk and Product teams responsible for Fraud controls and automation opportunities. Constantly thinking about the skills that our fraud operations teams need, and making sure that our people have the knowledge and tools required to do the job to the highest standard Developing and leading a customer voice strategy, understanding our customers behaviour and preferred method of communication to deliver on customer journey improvements Maintaining a high-performance, agile, and empathetic management culture that is consistent with Monzo's values Critically assessing our current processes, being laser focused on customer experience while maintaining a risk aware culture Monitoring the day-to-day performance and service position of the fraud operation, anticipating challenges, minimising breaches and leading incidents when they occur Developing, communicating, and implementing operational change, at times this may be multiple projects simultaneously Helping us become an exceptional place to work for the ambitious, highly-motivated investigators that we hire We'd love to hear from you if You have significant experience leading operational teams working in a fraud risk and regulatory environment (preferably in multiple locations and/or countries) You've led successful, highly skilled, motivated teams to achieve their goals and have an empathetic leadership style You have in-depth experience of employee relations cases You have exceptional written and verbal communication skills whether that be 1:1 or communicating with large groups You provide direction and empower your people to find solutions You can work autonomously and as part of a leadership team across multiple disciplines in a fast paced environment You're proactive, able to identify emerging risks and provide mitigation You are very hands-on and solve problems when you spot them You have an awareness of fraud typologies and the fraud landscape, being able to contribute to incidents, complaints and understand the needs of vulnerable customers You have hands-on experience analysing data, building effective response plans and making data led decisions You have experience working in a 1st line of defence environment and working closely with 2nd and 3rd lines of defence You have excellent management skills, with a track record of leading and developing leaders Not ticking every box? That's totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we're dedicated to creating a diverse and welcoming team. If you're passionate about this role and keen to learn and grow with us, we encourage you to apply- even if you don't have everything that's listed just yet. Drop us your application, we'd love to hear from you! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. What's in it for you This role can be based in our London office, or distributed working within the UK (with ad hoc meetings in London) We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. £1,000 learning budget each year to use on books, training courses and conferences. We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. The application journey has 3 key steps 30 minute recruiter call Interview Loop (2 x video-call interviews) Values and Leadership Final call with Senior Leadership Team This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! You'll hear from us throughout the application process, but if you've got any questions, please reach out to You can also use this email address to let us know if there's anything we can do to make the process easier for you because of disability, neurodiversity or anything else. We'll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don't miss out. Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage Apply for this job indicates a required field First Name Last Name Email Phone Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Enter manually Accepted file types: pdf, doc, docx, txt, rtf Select A US Person is defined as someone who: was born in the United States (US) has at least 1 parent who was born in the US is a naturalised citizen of the US is a green card holder is a US tax resident Keeping your data safe is really important to us. Select Please confirm your UK Right to Work status. Select We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor. If you'd like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you'd like to, please spell out your name how it's pronounced so we know how to say it. In this role, you'll manage multiple Operations Managers, who will manage Team Managers who have large teams so it is essential that you have led big teams. Please outline the size of teams that you have managed. Which of your previous roles do you feel has prepared you best for this position and why? Identity survey Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is: Voluntary . And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not. Anonymous to Monzo . click apply for full job details

Cardiff, London or Remote (UK) Overview We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo. The Change & Continuous Improvement team is the bridge between our Product and Operations teams and keeps us agile, efficient, and always evolving. You'll be at the heart of transformation: shaping how change lands across our Customer Operations teams, creating magical customer journeys, removing friction from processes, and empowering our teams to deliver better, faster, and more confidently. This isn't just about fixing what's broken - it's about making good things even better. Responsibilities Provide leadership and support to a team of Wealth Change & Continuous Improvement Partners; Responsible for ensuring the delivery of fast moving projects, from process redesign to product launches. Support the team to unblock challenges and drive pace while ensuring alignment to strategic goals. Ensure Customer Ops processes and workflows are maintained and work seamlessly and lead on plans to implement change and improvements where necessary. Drive a culture of proactivity, continuous improvement and innovative change through your direct team and a wider group of stakeholders. Lead collaboration with the stakeholders across Product, Ops, Risk and Customer Ops to ensure change and transformation is landed and embedded effectively within the domain. Track the impact of change and improvements through KPIs, metrics and feedback loops. Identify and communicate emerging trends, opportunities and response plans. Provide oversight, development and delivery of Customer Ops readiness plans and principles. Oversee the maintenance and development of our operational guidance and processes to ensure they accurately reflect our policies, standards and procedures. Ensure help articles and other customer facing materials remain current. Maintain documentation for service level agreements and hard deadlines for all operational tasks; propose changes as required via governance routines. Manage team rituals, planning meetings and retrospectives - making sure the information flow in and out of the team is easy and effective. Own real-time feedback loops with our teams who are speaking to our customers to gain a deep understanding of the Customer and Customer Ops experience. Experience leading a team and influencing strategic priorities. Strong ability to coach and develop teams and individuals, essentially with FinTech. Preferable experience within savings, investments, pensions or wealth related products. Proven track record of end to end project delivery and experience in leading through change. A delivery mindset. You know how to break work down, prioritise effectively, and keep teams focused on value. Understanding of how regulatory frameworks can influence operational change and design. Able to interpret and use data (operational, qualitative, and quantitative) to identify problems, measure improvements, and support strategic decision-making. Confidence in managing stakeholder relationships and navigating ambiguity. You bring structure and calm to fast-moving situations. Ability to provide specific actionable feedback to a wide range of audiences and levels. Ability to build and maintain strong relationships with key stakeholders You are comfortable and energised by ambiguity and a proactive problem solver with a bias for action. Advanced skills in planning and organisation with the ability to re-prioritise workload and be able to effectively deal with change at short notice. Fluency in MacOS, Slack, and GSuite tools and the ability to adapt to learn new systems and processes. What's in it for you £1,000 learning budget each year to use on books, training courses and conferences. We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. Application process Recruiter call (30 mins) Values Interview (60 minutes) Role Specific (60 minutes) Equal opportunities Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran status, neurodiversity or disability status. Apply for this job If you'd like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you'd like to, please spell out your name how it's pronounced so we know how to say it. What are your salary expectations? Please note this role is paying between £50,200 - £60,000. What is your current notice period? Describe your experience as a Change & Continuous Improvement Manager or Lead in FinTech. How do you establish a clear vision and goals for your team? Please provide an example from your previous experience.

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ Overview Our TechOps team is the heart of Monzo, ensuring that every Monzonaut has the tools and support they need to do their best work. As the friendly face of this team, our TechOps Support specialists are often the first point of contact for anyone needing help, whether it's fixing a technical problem, setting up a new device, or getting a quick answer. We're focused on providing a positive and empathetic experience with every interaction, building trust and making sure everyone feels heard and supported. We don't just solve problems - we build a foundation of reliability and excellence that enables the entire company to thrive. You'll work to deliver an amazing service to our Monzonauts so that they can do their best work for our customers. While the role is varied, responsibilities include: Responsibilities Answering technical queries and questions in Slack Helping people resolve their issues face to face or via video call Ordering laptops and peripherals Delivering laptop onboarding sessions for new Monzonauts Carrying out basic admin actions across our SaaS platforms Working in a technical team that deals with a wide range of technical issues daily Presenting technical information to groups Creating an inclusive, supportive and helpful environment Communicating technical solutions to people with varying levels of technical expertise Troubleshooting macOS Understanding basic networking Learning quickly and sharing knowledge with others Additional skills that would be helpful (not required): Experience managing macOS, Windows or ChromeOS devices using mobile device management Experience with Google Workspace or Slack administration Experience automating common tasks Experience in programming languages such as Python Qualifications Not ticking every box? That's totally okay! Monzo is committed to diversity and inclusion. If you're passionate about the role and eager to learn, we encourage you to apply even if you don't meet every item. What's in it for you Salary range £35,000 - £50,000 plus share options Based in London; expected to work from the London office at least 4 days per week; hybrid options available Flexible working hours £1,000 learning budget per year for books, training courses and conferences Application journey has 3 key steps: 30-minute interview with the hiring manager 2 hours of technical and behavioural interviews This process should take around 2-3 weeks; we aim to be flexible with your schedule. We have guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. You'll hear from us throughout the process. For questions or accessibility needs, please contact . We'll close the role once we have enough applications for the next stage; please apply soon to avoid missing out. If successful, we'll work with you to find a start date and will communicate any potential delays with you. Equal opportunities Diversity and inclusion are priorities. We foster an inclusive environment for all to do the best work of their lives. Read more in our blog, the 2024 Diversity and Inclusion Report, and the 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants are considered without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't require full or birth names at application stage. Apply for this job Indicates a required field First Name Last Name Email Phone Country Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Selected A US Person is defined as someone who: was born in the United States (US) has at least 1 parent who was born in the US is a naturalised citizen of the US is a green card holder is a US tax resident Please confirm your UK Right to Work status. We legally have to verify your Right to Work in the UK before you can start working for us. Your answer won't affect the outcome of your application unless you need visa sponsorship but we can't sponsor. If you'd like to, please share your preferred pronouns and how your name is pronounced. Identity survey Our goal is to make Monzo work for everyone. This demographic survey helps us understand applicants from all backgrounds and improve our hiring process. Participation is voluntary and anonymous to Monzo; it will be used only for equal opportunities monitoring in aggregated form. Voluntary - including a "prefer not to say" option Anonymous to Monzo - responses cannot be linked to you By filling out the survey, you consent to use of your responses for the purposes described.

Overview We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo. Our TechOps team is the heart of Monzo, ensuring that every Monzonaut has the tools and support they need to do their best work. As the friendly face of this team, TechOps Support specialists are often the first point of contact for anyone needing help, whether it's fixing a technical problem, setting up a new device, or getting a quick answer. We're focused on providing a positive and empathetic experience with every interaction, building trust and making sure everyone feels heard and supported. We don’t just solve problems - we build a foundation of reliability and excellence that enables the entire company to thrive. You'll be an experienced technically minded person, a mentor, a project owner, and the go-to specialist for all things TechOps Support. Responsibilities Supporting our Monzonauts - ranging from in person out of our offices or remotely Support the team with computer onboarding sessions for our new Monzonauts Acting as a point of escalation for complex incidents, providing clear communication and fast resolution Owning technical standards for device management and SaaS administration, ensuring quality, scalability, and compliance Shaping proposals and influencing our approach to security, tooling, and onboarding at scale Mentoring and guiding TechOps specialists, sharing knowledge and setting best practices Researching and introducing new technologies and processes that improve the way Monzo works Balancing hands-on technical work with strategic initiatives that drive our tools, practices, and services forward You have deep experience managing macOS and SaaS platforms at scale, including tools like Slack, Okta, Google Workspace, Notion, and Jamf MDM You are confident in leading large projects and coordinating with multiple stakeholders You have experience running incident response and post-incident reviews You can mentor and coach others and are motivated to raise the standard of the team You can research and introduce new technologies to solve complex, cross-functional problems You have a track record of delivering improvements in scalability and resilience for internal IT environments You are able to join our out of hours on call rota, for outside of business hours response (this comes with additional compensation) Qualifications Deep experience managing macOS and SaaS platforms at scale, including Slack, Okta, Google Workspace, Notion, and Jamf MDM Confident in leading large projects and coordinating with multiple stakeholders Experience running incident response and post-incident reviews Ability to mentor and coach others and raise the standard of the team Ability to research and introduce new technologies to solve complex, cross-functional problems Track record of delivering improvements in scalability and resilience for internal IT environments Willingness to join an out-of-hours on-call rota (additional compensation) Nice-to-haves Familiarity with compliance and security standards for SaaS and endpoint management Experience automating common tasks with code, APIs, or scripting languages What's in it for you Salary range: £57,000 - £70,000, plus share options. This role is based in our London office; you'll be expected to work from the London office at least 4 times a week, with some on-site work required. There is an option to work from home when needed, but this is not a remote position. Flexible working hours and a commitment to reasonable hours to do your job well, with some time to suit you and your team. £1,000 learning budget each year for books, training courses and conferences. Application process The application journey has 3 key steps: 30-minute interview with the hiring manager 2 hours of technical and behavioural interviews This process should take around 2-3 weeks. We aim to be flexible with your schedule. We have guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. For questions, please email . We can also discuss accommodations for disability, neurodiversity, or other needs. We'll close the role when we have enough applications for the next stage. Please submit your application as soon as possible. Equal opportunities Diversity and inclusion are a priority for us. We are an equal opportunity employer and consider all applicants without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status. You can read more in our Diversity and Inclusion Report and Gender Pay Gap Report. If you have a preferred name, please use it to apply. We don't require full or birth names at application stage. Apply for this job Indicates a required field First Name Last Name Email Phone Country Phone (alternative) Resume/CV Accepted file types: pdf, doc, docx, txt, rtf Identity and right to work information may be requested during the process Identity survey (optional) Voluntary and anonymous demographic data collection may be included for equal opportunities monitoring By checking this box, you consent to Monzo collecting and processing your responses for the stated purposes.

Overview Team Manager, Financial Crime Business Banking - Cardiff, London or Remote (UK). We're on a mission to make money work for everyone. We're not about selling products - we want to solve problems and change lives through Monzo. Our Financial Crime Team protects Monzo and our customers from financial crime like fraud and money laundering. Responsibilities Managing the personal & professional development of approximately 12 Financial Crime Business Banking Investigators. Fostering an empathetic, high-performance culture in the team. Providing technical coaching, feedback, and advice relating to financial crime tasks. Analysing and driving improvement in team performance, and reporting relevant insights. Monitoring and maintaining service level adherence on the work completed by the team, reviewing work status and availability of team members. Providing meaningful feedback to your team and ensuring learnings are captured. Communicating and embedding change within the team, driving a positive culture as we grow. Contributing to a strong control environment by minimising breaches and risk events. Reviewing complaints attributed to the team and identifying opportunities for improvement. Conducting job interviews for financial crime investigators and contributing to hiring decisions. Chairing employee relations cases and making decisions consistent with Monzo's values. Being part of a high-performing management team, supporting colleagues as required. Qualifications and experience Strong background in managing a team within Financial Crime, ideally in Business Banking. Experience in managing ER cases and performance management. Understanding of current financial crime trends and typologies. Experience providing technical coaching and feedback on FC Business Banking tasks. Clear and inspiring communicator with excellent written and verbal English. Empathetic and supportive approach to people leadership. Ability to prioritise problems and assess risk in an operations environment. Comfort with fast-paced change and a readiness to contribute to a growing leadership team. Willingness to contribute to the leadership pillar. Preferred experience and qualifications Experience conducting investigations in an operational setting with subject matter expertise in FC Business Banking. Recent experience with emerging financial crime trends and typologies. Experience managing employee relations cases. Experience taking underperforming teams to high performance. Experience interpreting and presenting complex management information. Holds, or is willing to work towards, ICA International Advanced Certificate in Anti Money Laundering or similar. Fluency with MacOS, Slack, and GSuite tools. What's in it for you We offer a £1,000 learning budget each year for books, training courses and conferences. This role is remote-based in the UK. The application journey Leadership/Technical Interview Equal opportunities Diversity and inclusion are a priority for us. Monzo is an equal opportunity employer. All applicants are considered without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status. We encourage you to read our related reports for more information.

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo ️ Monzo is the seventh biggest bank in the UK with a mission to Make Money Work for Everyone. In the last few years we've built a banking app with very high daily engagement and an NPS that's well above the norm. 12 million UK adults have a Monzo account already and more than 600,000 small businesses. Today, Monzo Business makes the life of small business customers easier with everyday business banking essentials, time-saving tools, and our signature money management features About Payments The Payments Collective helps to make Monzo's global ambitions a reality, enabling revenue and customer growth with a resilient, self-serve banking platform and drives all of the payments in Monzo - whether customer pay by card, bank transfer, in the UK or abroad. The Payments Collective works hand-in-glove with our Retail and Business Banking Collectives to deliver delightful and reliable payments. What you'll be working on: We're now looking to better help our business customers to get paid by cards in their shops, restaurants, etc. As a Lead Product Manager for Acquiring, you'll lead one or more cross-functional teams to define and deliver this new product that helps our small business customers make the most of Monzo. You'll help build the product strategy, value propositions, payments capabilities, user experiences, and support structure needed to help businesses get paid and their customers to have a delightful card payments experience. It's a new product that we're planning to launch, so you'll be driving it from nothing to launch and then growing it. That means you'll: Drive our product strategy: Develop a product strategy informed by customer insights, market opportunities, and business goals. Translate long-term strategies into actionable, iterative plans that work towards our strategy and deliver an exceptional customer experience. Deliver a delightful product: Be the hands-on product manager for the squad, prioritising efforts across multiple workstreams as we define and build our product offering and maintain alignment with our Business Banking offering Collaborate seamlessly: Work iteratively with teams across design, engineering, research, data science, product marketing, compliance, external partners and other areas to refine and execute your strategy. Communicating effectively: Inspire stakeholders with the product vision and share the right context with the right people at the right time. Launch, iterate, and grow: Throughout your work you break big projects into small, iterative deliverables and define, deliver and measure the impact of the product with a data and customer centric approach. You should apply if: You are a seasoned product manager, and have experience shipping world-class products from 0 to launch at a fast growing company. You have a track record of leading card or payments products for business customers that drive significant value for customers and the company. You can systematically break down and solve complex problems, leveraging data, customer insights and creativity to set an ambitious long term vision and deliver tangible outcomes iteratively. You have good judgement, and have a track record of making good decisions in complex situations where there's often no "right answer". Are creative, have the urge to make the status quo better, full of creative ideas and capable of teasing out novel ideas and solutions from your team as well. You're data-driven, and have a track record of collaborating with machine learning experts or data scientists to define key metrics, run experiments, and deliver business impact. You can work effectively with a diverse range of people and working styles - spanning engineering, design, data, user research, marketing, legal and compliance - to get stuff done. You're a great storyteller, who is able to motivate, energise and inspire people towards a common goal. You're passionate about building value for customers and not just achieving business results, and are excited about our mission at Monzo. You're intellectually honest about your work's performance, relying on data to measure your success and continually striving for improvement. You're a fast learner, humble and curious, and enjoy learning every day and sharing your knowledge and experience. The interview process: Our interview process usually involves 3 main stages: Initial Call with Hiring Manager Final Loop, consisting of x3 hour long interviews to assess Project Walkthrough, Case Study and Leadership. Our average process takes around 4-6 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on What's in it for you: ️ We can help you relocate to the UK We can sponsor visas. This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc - at least monthly - meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences And much more, see our full list of benefits here Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage Apply for this job indicates a required field First Name Last Name Email Phone Resume/CV Enter manually Accepted file types: pdf, doc, docx, txt, rtf Enter manually Accepted file types: pdf, doc, docx, txt, rtf Select Please confirm your UK Right to Work status. Select We legally have to verify your Right to Work in the UK before you can start working for us. 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Overview Team Manager, Financial Crime Business Banking - Cardiff, London or Remote (UK). We're on a mission to make money work for everyone. We're not about selling products - we want to solve problems and change lives through Monzo. Our Financial Crime Team protects Monzo and our customers from financial crime like fraud and money laundering. Responsibilities Managing the personal & professional development of approximately 12 Financial Crime Business Banking Investigators. Fostering an empathetic, high-performance culture in the team. Providing technical coaching, feedback, and advice relating to financial crime tasks. Analysing and driving improvement in team performance, and reporting relevant insights. Monitoring and maintaining service level adherence on the work completed by the team, reviewing work status and availability of team members. Providing meaningful feedback to your team and ensuring learnings are captured. Communicating and embedding change within the team, driving a positive culture as we grow. Contributing to a strong control environment by minimising breaches and risk events. Reviewing complaints attributed to the team and identifying opportunities for improvement. Conducting job interviews for financial crime investigators and contributing to hiring decisions. Chairing employee relations cases and making decisions consistent with Monzo's values. Being part of a high-performing management team, supporting colleagues as required. Qualifications and experience Strong background in managing a team within Financial Crime, ideally in Business Banking. Experience in managing ER cases and performance management. Understanding of current financial crime trends and typologies. Experience providing technical coaching and feedback on FC Business Banking tasks. Clear and inspiring communicator with excellent written and verbal English. Empathetic and supportive approach to people leadership. Ability to prioritise problems and assess risk in an operations environment. Comfort with fast-paced change and a readiness to contribute to a growing leadership team. Willingness to contribute to the leadership pillar. Preferred experience and qualifications Experience conducting investigations in an operational setting with subject matter expertise in FC Business Banking. Recent experience with emerging financial crime trends and typologies. Experience managing employee relations cases. Experience taking underperforming teams to high performance. Experience interpreting and presenting complex management information. Holds, or is willing to work towards, ICA International Advanced Certificate in Anti Money Laundering or similar. Fluency with MacOS, Slack, and GSuite tools. What's in it for you We offer a £1,000 learning budget each year for books, training courses and conferences. This role is remote-based in the UK. The application journey Leadership/Technical Interview Equal opportunities Diversity and inclusion are a priority for us. Monzo is an equal opportunity employer. All applicants are considered without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status. We encourage you to read our related reports for more information.

Senior Product Marketing Manager, Wealth London We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers. We're not about selling products - we want to solve problems and change lives through Monzo. Overview We're here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque. We want to change that and build a bank with everyone, for everyone. Our community suggests features, tests the app and provides feedback so we can build something everyone loves. What we're looking for We're looking for an experienced PMM to join our team and help us build one of the best, most innovative banks in the world. You'll be embedded within our Wealth Collective - the team behind products that help people save, grow, and protect their finances through Investments, Pensions, Savings, and Insurance. Our mission is to make building wealth simple and accessible for everyone, whether they're cautious or confident about their financial future. You should apply if You're experienced in product marketing for wealth products (domain expertise in at least one of the product areas is essential for this role) You've launched new products into market You're happy with a combination of getting your hands dirty and taking ownership of your area Excited to work at a fast-paced, award-winning, quickly growing company You take a customer first approach to everything you do You are happy working in a regulated environment in a company that thrives on transparency and collaboration You're comfortable with numbers and metrics and can make difficult decisions in complex situations with the data to back you up You understand how consumer facing products are built and are comfortable working with a technical team You're able to quickly build trust and manage disagreement You're excited by the ambition of what we're doing at Monzo and working with our passionate audiences You're a fast learner, humble and curious, and enjoy developing yourself and others What you'll be doing Lead Go-to-Market Strategy: Own the end-to-end development and execution of go-to-market plans for new features and offerings. Collaborate with product, design, and research teams to ensure impactful launches that drive awareness, engagement, and adoption. Shape Product Strategy with Market Insight: Act as the voice of the market within the collective. Lead efforts in market intelligence, segmentation, and ideal customer profiling to inform decisions and ensure products are positioned for success. Craft Compelling Messaging and Positioning: Develop clear and differentiated product positioning and messaging frameworks. Lead message testing and refinement to ensure our value propositions resonate with target audiences and support business objectives. Champion the Customer Voice: Deeply understand customer needs through qualitative and quantitative insights. Translate these into actionable personas, buyer journeys, and other tools to influence product development and go-to-market plans. Monitor Market Trends and Competitor Activity: Continuously assess the competitive landscape and customer feedback to identify opportunities, gaps, and areas for innovation-especially within the loyalty and rewards space. Overseeing product launches: You will be a key partner to the marketing organisation. You'll identify the right times for products to ship and you'll inform how we go-to-market. You'll review work and make sure the quality bar is held high. Partner with Compliance: Work with legal and compliance teams to ensure all messaging and product marketing align with FCA and regulatory requirements. The Interview Process Our interview process involves three main stages: Recruiter Call (30mins) Initial Call (30 mins) Case Study Review Call (45 mins) x2 final interviews via Google Meet (x2 45 mins) Our average process takes around 3-4 weeks but we will always work around your availability. What's in it for you This role will be based out of our London office next to Liverpool Street station in a hybrid approach of office based and home working or on a fully remote basis. We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences. And much more, see our full list of benefits here. Equal opportunities Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. This is integral to our mission of making money work for everyone. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran status, neurodiversity or disability status. If you have a preferred name, please use it to apply. 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