Monzo

Monzo is seeking a Lead Machine Learning Scientist to drive the development and deployment of models that enhance how customers search for financial products. You will collaborate across Backend, Product, ML Scientists and Data Scientists to deliver proactive, data-informed solutions that improve user outcomes. You will own end-to-end ML initiatives, balancing speed and robustness, and you'll translate business problems into scalable ML solutions that integrate with our data-driven product

Monzo is seeking a Lead Machine Learning Scientist to drive the development and deployment of models that enhance how customers search for financial products. You will collaborate across Backend, Product, ML Scientists and Data Scientists to deliver proactive, data-informed solutions that improve user outcomes. You will own end-to-end ML initiatives, balancing speed and robustness, and you'll translate business problems into scalable ML solutions that integrate with our data-driven product

Lead Machine Learning Scientist, FinCrime Location: Cardiff, London or Remote (UK) We are seeking a Lead Machine Learning Scientist to join Monzo's FinCrime team. You will lead the development and deployment of advanced machine learning models to detect financial crime and fraud, while protecting genuine customers and optimising operational costs. About our Machine Learning FinCrime Team Our Financial Crime Data team consists of 25+ people across analytics engineers, data analysts, machine learning scientists and data scientists. You will be part of a fast-moving environment building defensible capabilities to keep Monzo and our customers safe. Our work has a direct impact on customer experience and the company's bottom line by reducing fraud and scams in financial transactions. Our ML scientists work on problems spanning fraud detection and prevention, transaction monitoring for suspicious activity, customer risk assessment and operational tooling. What you'll be working on A Lead Machine Learning Scientist is a technical individual contributor (IC) leadership role. You will be expected to leverage deep experience in developing and deploying advanced ML models on a modern cloud-native data platform to: Automatically and accurately detect suspicious user behaviors while minimising impact to genuine customers and operational costs Adapt quickly to changing fraud and financial crime trends, maintaining performance over time You will justify and demonstrate effectiveness, ensuring the approach meets business and customer needs. You will provide technical leadership and ship high-impact ML solutions, collaborating with product managers, data scientists, backend engineers and designers in an agile environment. You will also help steer technical work and raise standards within the ML discipline. This will involve: Identifying and scoping opportunities across the organisation to tackle financial crime and fraud with ML Leading the design and development of advanced real-time ML models, including neural networks, graph-based and sequence-based architectures Providing technical leadership to raise levels of expertise and best practices, including mentoring others Working with the MLOps team to drive tooling for rapid model iteration and lifecycle optimisation You should apply if What we're doing at Monzo excites you. Multiple-year track record of leading development and deployment of advanced ML models to tackle real business problems, preferably in a fast-moving tech company Experience shipping deep learning, graph-based or sequence-based ML architectures to production with measurable business impact You are impact-driven and own the end-to-end journey from problem to measurable production impact You are a self-starter who proactively identifies issues and opportunities and tackles them Interest in reducing financial crime and protecting customers with data-driven strategies Extensive experience writing production Python code and strong SQL; comfortable with these daily and keen to learn Go Experience working in a team dealing with ambiguity and helping resolve it Desire to be involved in building a product you and others use daily Product mindset focused on customer outcomes and data-informed decision making Interest in fast-moving ML developments and ability to communicate ideas to non-domain colleagues Adaptable, curious and eager to learn new technologies Nice to have Experience with financial crime and regulated institutions Commercial experience writing production-ready code and working with microservices The interview process Our interview process involves four stages. We will not ask brain teasers or trick questions. 30-minute recruiter call 45-minute call with hiring manager 60-minute product & ML interview 60-minute behavioural interview Our average process takes around 3-4 weeks and we will work around your availability. If you have questions, contact . What's in it for you We offer visa sponsorship and the option to locate in our London office or work remotely within the UK. We provide flexible hours, a learning budget of £1,000 per year for training and conferences, relocation support where applicable, and other benefits. Equal opportunities for everyone. Monzo is an equal opportunity employer and values a diverse and inclusive workplace.

Lead Machine Learning Scientist, FinCrime Location: Cardiff, London or Remote (UK) We are seeking a Lead Machine Learning Scientist to join Monzo's FinCrime team. You will lead the development and deployment of advanced machine learning models to detect financial crime and fraud, while protecting genuine customers and optimising operational costs. About our Machine Learning FinCrime Team Our Financial Crime Data team consists of 25+ people across analytics engineers, data analysts, machine learning scientists and data scientists. You will be part of a fast-moving environment building defensible capabilities to keep Monzo and our customers safe. Our work has a direct impact on customer experience and the company's bottom line by reducing fraud and scams in financial transactions. Our ML scientists work on problems spanning fraud detection and prevention, transaction monitoring for suspicious activity, customer risk assessment and operational tooling. What you'll be working on A Lead Machine Learning Scientist is a technical individual contributor (IC) leadership role. You will be expected to leverage deep experience in developing and deploying advanced ML models on a modern cloud-native data platform to: Automatically and accurately detect suspicious user behaviors while minimising impact to genuine customers and operational costs Adapt quickly to changing fraud and financial crime trends, maintaining performance over time You will justify and demonstrate effectiveness, ensuring the approach meets business and customer needs. You will provide technical leadership and ship high-impact ML solutions, collaborating with product managers, data scientists, backend engineers and designers in an agile environment. You will also help steer technical work and raise standards within the ML discipline. This will involve: Identifying and scoping opportunities across the organisation to tackle financial crime and fraud with ML Leading the design and development of advanced real-time ML models, including neural networks, graph-based and sequence-based architectures Providing technical leadership to raise levels of expertise and best practices, including mentoring others Working with the MLOps team to drive tooling for rapid model iteration and lifecycle optimisation You should apply if What we're doing at Monzo excites you. Multiple-year track record of leading development and deployment of advanced ML models to tackle real business problems, preferably in a fast-moving tech company Experience shipping deep learning, graph-based or sequence-based ML architectures to production with measurable business impact You are impact-driven and own the end-to-end journey from problem to measurable production impact You are a self-starter who proactively identifies issues and opportunities and tackles them Interest in reducing financial crime and protecting customers with data-driven strategies Extensive experience writing production Python code and strong SQL; comfortable with these daily and keen to learn Go Experience working in a team dealing with ambiguity and helping resolve it Desire to be involved in building a product you and others use daily Product mindset focused on customer outcomes and data-informed decision making Interest in fast-moving ML developments and ability to communicate ideas to non-domain colleagues Adaptable, curious and eager to learn new technologies Nice to have Experience with financial crime and regulated institutions Commercial experience writing production-ready code and working with microservices The interview process Our interview process involves four stages. We will not ask brain teasers or trick questions. 30-minute recruiter call 45-minute call with hiring manager 60-minute product & ML interview 60-minute behavioural interview Our average process takes around 3-4 weeks and we will work around your availability. If you have questions, contact . What's in it for you We offer visa sponsorship and the option to locate in our London office or work remotely within the UK. We provide flexible hours, a learning budget of £1,000 per year for training and conferences, relocation support where applicable, and other benefits. Equal opportunities for everyone. Monzo is an equal opportunity employer and values a diverse and inclusive workplace.

About our Machine Learning Search Team We are currently embarking on one of our two top strategic priorities to make Money work for Everyone: building the Monzo Co-pilot. We are becoming an intelligent, proactive ally that handles the complexity of users' financial life. We aren't just selling financial products; we are building a truly smart agent that understands users, anticipates their needs, and helps people reach their financial goals. Our ML Search team brings together Backend, Product, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you'll build and ship models that help customers search for and find answers about their financial lives. You'll make it effortless for them to find the right products at the exact moment they need them. Whether it's surfacing the right savings product at the perfect moment, helping customers manage their spending, or simplifying financial planning, our work makes banking smarter, more intuitive, and truly customer-first. You should apply if: What we're doing here at Monzo excites you! You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems preferably in a fast moving tech company You have experience developing and shipping state of the art ML models to production and delivering business impact You're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so You speak Python fluently and have extensive, hands-on experience with scikit-learn. You are comfortable using SQL, and keen to learn Go lang which is used in many of our backend microservices You're comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity 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 excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain You're adaptable, curious and enjoy learning new technologies and ideas Nice to haves: Experience working on personalisation, ranking & recommendation problems for consumer applications Commercial experience writing critical production code and working with microservices 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 60 minute Product & ML interview 60 minute behavioural interview Our average process takes around 3-4 weeks but we will always work around your availability. We are 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.

About our Machine Learning Search Team We are currently embarking on one of our two top strategic priorities to make Money work for Everyone: building the Monzo Co-pilot. We are becoming an intelligent, proactive ally that handles the complexity of users' financial life. We aren't just selling financial products; we are building a truly smart agent that understands users, anticipates their needs, and helps people reach their financial goals. Our ML Search team brings together Backend, Product, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you'll build and ship models that help customers search for and find answers about their financial lives. You'll make it effortless for them to find the right products at the exact moment they need them. Whether it's surfacing the right savings product at the perfect moment, helping customers manage their spending, or simplifying financial planning, our work makes banking smarter, more intuitive, and truly customer-first. You should apply if: What we're doing here at Monzo excites you! You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems preferably in a fast moving tech company You have experience developing and shipping state of the art ML models to production and delivering business impact You're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so You speak Python fluently and have extensive, hands-on experience with scikit-learn. You are comfortable using SQL, and keen to learn Go lang which is used in many of our backend microservices You're comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity 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 excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain You're adaptable, curious and enjoy learning new technologies and ideas Nice to haves: Experience working on personalisation, ranking & recommendation problems for consumer applications Commercial experience writing critical production code and working with microservices 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 60 minute Product & ML interview 60 minute behavioural interview Our average process takes around 3-4 weeks but we will always work around your availability. We are 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.

We're a team of 115+ Product Designers, User Researchers, and Brand Designers led by Chief Design Officer Vuokko Aro. We're on a mission to make money work for everyone. Product Design is the largest discipline within the design organisation, with designers working in tight knit squads alongside researchers, product managers, and engineers to solve real customer problems at scale. We design for the "magic moments." We've built a bank that feels deeply human, not just functional, shaping how millions of people experience money every day. Our product is our personality. We combine research, empathy, and craft to turn everyday interactions into memorable experiences. Now, we're entering our next phase of growth and looking for exceptional design leaders to help define not only Monzo's future, but the future of banking itself. There's significant opportunity to shape the product, influence the organisation, and leave a lasting mark on millions of customers. About the role We're looking for a Director of Product Design to lead design across Payments, one of Monzo's most important and fast evolving multi market business areas. You'll partner closely with senior leaders across Product and Engineering to shape strategy, set direction, and drive exceptional execution across your area. You'll play a key role in influencing the direction of both the product and the broader customer experience. You'll lead and grow a team of Product Designers, helping them do the best work of their careers while strengthening design thinking, collaboration, and craft across Monzo. As a senior leader within the Design organisation, you'll raise the quality bar and expand design's impact, influence, and effectiveness across Monzo. Setting the strategic direction and design vision for your area, inspiring teams to think bigger and bolder, whilst aligning with Monzo goals and mission. Partnering with the leadership team for your area to define priorities, shape roadmaps, and turn strategy into impactful execution. Building and nurturing a high performing design team - investing in their growth, wellbeing, and long term success. Maintaining an exceptional quality bar across all design work through clear feedback and coaching, helping designers and teams consistently deliver best in class experiences. Creating an environment where feedback is open, craft is celebrated, and design quality continues to evolve across the organisation. Acting as a champion for design at Monzo, influencing how design thinking shapes our products and culture. We'd love to hear from you if You've led design strategy and vision across complex product areas, helping teams navigate ambiguity and deliver meaningful customer and business impact. You're comfortable operating at multiple altitudes, from defining long term direction to driving high quality execution. You build strong partnerships across Product, Engineering, Research and Commercial, and know how to influence senior stakeholders through clarity, insight, and craft. You have a strong point of view on product design and consistently raise the bar for quality, systems thinking, and customer experience. You've built and led high performing design teams, creating environments where people can grow, do exceptional work, and have meaningful impact. You know how to scale design influence across an organisation, shaping product direction, ways of working, and culture beyond your immediate team. You're energised by Monzo's mission to make money work for everyone, and excited to help shape the next generation of payments experiences through thoughtful, magical and innovative design. 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) Flexible working hours and trust based work culture £1,000 annual learning budget for books, training, and conferences Full remote setup support, including equipment and workspace essentials This process should take around 4-5 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 . 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:

Monzo is seeking a Director of Product Design to lead design across Payments, partnering with Product and Engineering to shape strategy and drive execution. You will lead and grow a team of designers, elevating design thinking, collaboration, and craft. As a senior leader, you will set design vision, define priorities, align with Monzo's goals, and champion design across the organisation. This role offers relocation to the UK, visa sponsorship, and flexible hybrid working within the UK.

Monzo is seeking a Director of Product Design to lead design across Payments, partnering with Product and Engineering to shape strategy and drive execution. You will lead and grow a team of designers, elevating design thinking, collaboration, and craft. As a senior leader, you will set design vision, define priorities, align with Monzo's goals, and champion design across the organisation. This role offers relocation to the UK, visa sponsorship, and flexible hybrid working within the UK.

We're a team of 115+ Product Designers, User Researchers, and Brand Designers led by Chief Design Officer Vuokko Aro. We're on a mission to make money work for everyone. Product Design is the largest discipline within the design organisation, with designers working in tight knit squads alongside researchers, product managers, and engineers to solve real customer problems at scale. We design for the "magic moments." We've built a bank that feels deeply human, not just functional, shaping how millions of people experience money every day. Our product is our personality. We combine research, empathy, and craft to turn everyday interactions into memorable experiences. Now, we're entering our next phase of growth and looking for exceptional design leaders to help define not only Monzo's future, but the future of banking itself. There's significant opportunity to shape the product, influence the organisation, and leave a lasting mark on millions of customers. About the role We're looking for a Director of Product Design to lead design across Payments, one of Monzo's most important and fast evolving multi market business areas. You'll partner closely with senior leaders across Product and Engineering to shape strategy, set direction, and drive exceptional execution across your area. You'll play a key role in influencing the direction of both the product and the broader customer experience. You'll lead and grow a team of Product Designers, helping them do the best work of their careers while strengthening design thinking, collaboration, and craft across Monzo. As a senior leader within the Design organisation, you'll raise the quality bar and expand design's impact, influence, and effectiveness across Monzo. Setting the strategic direction and design vision for your area, inspiring teams to think bigger and bolder, whilst aligning with Monzo goals and mission. Partnering with the leadership team for your area to define priorities, shape roadmaps, and turn strategy into impactful execution. Building and nurturing a high performing design team - investing in their growth, wellbeing, and long term success. Maintaining an exceptional quality bar across all design work through clear feedback and coaching, helping designers and teams consistently deliver best in class experiences. Creating an environment where feedback is open, craft is celebrated, and design quality continues to evolve across the organisation. Acting as a champion for design at Monzo, influencing how design thinking shapes our products and culture. We'd love to hear from you if You've led design strategy and vision across complex product areas, helping teams navigate ambiguity and deliver meaningful customer and business impact. You're comfortable operating at multiple altitudes, from defining long term direction to driving high quality execution. You build strong partnerships across Product, Engineering, Research and Commercial, and know how to influence senior stakeholders through clarity, insight, and craft. You have a strong point of view on product design and consistently raise the bar for quality, systems thinking, and customer experience. You've built and led high performing design teams, creating environments where people can grow, do exceptional work, and have meaningful impact. You know how to scale design influence across an organisation, shaping product direction, ways of working, and culture beyond your immediate team. You're energised by Monzo's mission to make money work for everyone, and excited to help shape the next generation of payments experiences through thoughtful, magical and innovative design. 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) Flexible working hours and trust based work culture £1,000 annual learning budget for books, training, and conferences Full remote setup support, including equipment and workspace essentials This process should take around 4-5 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 . 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:

Monzo is seeking a Chief of Staff to partner with the Chief Design Officer to enhance our Design team's impact across product and brand. The role emphasizes operationalising design processes, effective collaboration, and strategic talent development. Key responsibilities include improving design efficiencies, developing clear communication strategies, and scaling the design team globally. With a salary range of £75,000 - £95,000 and a learning budget, this position offers a chance to influence Monzo's international expansion.

About the team Our Borrowing (lending) business is growing rapidly across existing products and with the planned launch of new initiatives. As our lending portfolio grows, our Credit Risk Oversight team is expanding. We're looking for a Head of Credit Strategy Oversight to lead the team in delivering insightful oversight through a high performing partnership with our first line Credit colleagues. Ideally you'll have broad experience and in-depth knowledge of retail unsecured and business credit risk strategy in financial services. You'll have seen the many ways the performance of retail credit portfolios can be changed, and you'll be confident in influencing and shaping credit strategy, and be comfortable working with senior stakeholders. Responsibilities Leading the credit risk strategy oversight team, setting the agenda and owning the delivery of our independent oversight and assurance plan across Monzo's lending portfolios. Supporting the team in reviewing credit strategy and product changes, highlighting key risks and issues, providing constructive feedback and challenge, and influencing decisions at senior level. Overseeing the ongoing oversight of credit risk, including risk appetite and reporting, portfolio monitoring, financial projections and governance. Partnering with colleagues in the first line of defence to support credit strategy changes, including new product launches and pilots, ensuring we deliver magical lending products for our customers whilst meeting our risk appetite. Embracing new and innovative technology, including leading the adoption of AI tools to enhance our credit risk oversight approach. Providing credit expertise and input into strategic projects and Monzo-wide initiatives, such as new product launches or business planning and stress testing. Taking a balanced and proportionate approach to risk management, making sure that managing risks becomes part of everyone at Monzo's day to day role. You should apply if you: Have significant practical experience in credit risk management within consumer or small business lending - experience in unsecured, revolving products would be particularly beneficial. You are data driven, and comfortable defining and interpreting analysis to understand credit performance and trends. Being able to get hands on with data is a plus - experience in SQL, Python or similar is a bonus. You understand how to balance risk and commercial outcomes, with experience in using scorecards and NPV models to develop strategies for making credit decisions. Have exceptional written and verbal communication skills that can be flexed for different audiences. Are an effective leader and people manager, with the ability to build and nurture high performing teams. Think strategically but are able to work in the detail with your team. Have a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challenge. Are passionate about technology, and what we're doing here at Monzo excites you. The interview process Our interview process usually involves up to four main stages via Google Hangouts: An initial call with our recruiter. A call with our Credit Risk Oversight Director, the hiring manager for the role. A role specific call with colleagues from 1st Line Credit. A leadership and values call. What's in it for you 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, the team currently meet once per week). 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. 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. And much more, see our full list of benefits. 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. 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, veteran, neurodiversity or disability status.

Monzo is seeking a Head of Credit Strategy Oversight to lead the Credit Risk Oversight team. This role is pivotal in ensuring effective oversight of Monzo's lending portfolios, shaping credit strategies, and collaborating with senior stakeholders. The ideal candidate will have substantial experience in credit risk management, strong analytical skills, and a passion for innovation in technology. The position offers flexible working arrangements and a range of benefits including a learning budget and home office setup support.

Senior Legal Counsel, Commercial, IP & AI Cardiff, London or Remote (UK) 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're looking for a Senior Legal Counsel, Commercial, IP & AI to join our UK Legal team at Monzo and help us build one of the best, most innovative banks in the world. You will report to Monzo's Principal Legal Counsel, Commercial, IP & AI in the UK Legal team, which forms part of our wider Legal & Board Governance Collective. This role will have day-to-day responsibility for advising on commercial contracts, IP & AI matters for our UK business. You'll lead on a wide range of legal matters with opportunities for growth in role as the business scales. In this role, you will work at all levels in the organisation and in close partnership with a wide-range of stakeholders including our Marketing, Procurement, Third Party Risk Management, Data Protection, Security, Risk & Control and Compliance teams. Your clients will span all collectives of Monzo's business, from Operations to Brand and everything in between. No two days are the same in Monzo's Legal team. This is not your typical legal role; so we're not looking for a typical person. On any given day you may be advising on a sports sponsorship, or the launch of the Monzo book, or a material outsourcing agreement, or the implementation of artificial intelligence technology - you'll need to be curious and keen to learn. Ultimately, we're looking for a collaborative problem-solver with exceptional technical expertise who is willing to roll up their sleeves to help deliver products and services that delight our customers, raise standards, and contribute to our mission. If this sounds like you, then please get in touch. Key responsibilities Leading on commercial contracts, including: directly drafted and negotiated yourself; and supported by our experienced panel of commercial legal contractors, whose work, delegated by you, you will supervise. Working (as part of the UK Legal team) alongside our colleagues in our Group Commercial Legal team on: developing and implementing processes and procedures to increase the efficiency and scalability of commercial legal advice across Monzo, including workflows, playbooks and precedents, and the use of new technologies; and delivering training, sharing insights from your work, and helping educate others on commercial contracts. Supporting the delivery of our intellectual property strategy (including working with our external advisers on clearance searches, registrations and oppositions). Being a subject matter expert on AI related matters (including the regulation of and contracting for AI). Managing relationships with our external legal counsel and alternative legal service providers and contractors, ensuring we are optimising our legal spend for greatest impact. Qualifications You have around 5 years plus of relevant post qualification experience (or equivalent), having ideally spent time in private practice, and/or in-house at a high-growth technology company, and/or in-house at a bank and/or other financial institution. You have deep experience in all aspects of contract law, and have a genuine interest in commercial contracts; it's not just your job but something you're proud to be a geek about. You're comfortable explaining the difference between contract terms (conditions, warranties, indemnities, and representations) and negotiating your way through tricky legal issues including service credits, service levels, termination rights and liability provisions, among others. You have some experience advising on intellectual property related matters (copyright and trade marks in particular). You have some experience in artificial intelligence, particularly key legal issues related to the use of generative artificial intelligence. You have familiarity with the use of legal technology, including generative AI systems and contract lifecycle management platforms. You have some experience of financial services regulation as it relates to commercial contracts (such as material outsourcings, digital operational resilience and operational continuity). You have some experience in the transactional elements of data protection, including negotiating data sharing agreements, data processing agreements, and standard contractual clauses. You are a strategic thinker, a strong communicator and a keen problem solver who can recommend solutions that balance business and risk perspectives. You are willing to jump in and handle a wide range of legal issues that may arise even outside your core areas of expertise in an enthusiastic, proactive, and resourceful manner, and can sensibly assess when best to engage external counsel in a cost effective way. You are comfortable operating at all levels of the organisation and liaising with a variety of internal and external stakeholders. You enjoy horizon scanning, proactively assessing risks, and quickly identifying and independently implementing mitigating actions. You have a dynamic and entrepreneurial approach and are comfortable with the ambiguity of a fast paced and rapidly evolving environment. You welcome diverse perspectives, think rigorously and critically and aren't afraid to challenge assumptions. You have an open and curious mind, are passionate about the intersection of banking and technology and are excited to join us for the next stage of our journey at Monzo! Benefits £110,000 base salary (dependent on experience) + Incentive Awards tied to your performance + Benefits 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 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. 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.

About the role We're looking for a Director of Product Design to lead design across Payments, one of Monzo's most important and fast evolving multi market business areas. You'll partner closely with senior leaders across Product and Engineering to shape strategy, set direction, and drive exceptional execution across your area. You'll play a key role in influencing the direction of both the product and the broader customer experience. You'll lead and grow a team of Product Designers, helping them do the best work of their careers while strengthening design thinking, collaboration, and craft across Monzo. As a senior leader, you'll raise the quality bar and expand design's impact, influence, and effectiveness across Monzo. Responsibilities Setting the strategic direction and design vision for your area, inspiring teams to think bigger and bolder, whilst aligning with Monzo goals and mission. Partnering with the leadership team for your area to define priorities, shape roadmaps, and turn strategy into impactful execution. Building and nurturing a high performing design team - investing in their growth, wellbeing, and long term success. Maintaining an exceptional quality bar across all design work through clear feedback and coaching, helping designers and teams consistently deliver best in class experiences. Creating an environment where feedback is open, craft is celebrated, and design quality continues to evolve across the organisation. Acting as a champion for design at Monzo, influencing how design thinking shapes our products and culture. Qualifications You've led design strategy and vision across complex product areas, helping teams navigate ambiguity and deliver meaningful customer and business impact. You're comfortable operating at multiple altitudes, from defining long term direction to driving high quality execution. You build strong partnerships across Product, Engineering, Research and Commercial, and know how to influence senior stakeholders through clarity, insight and craft. You have a strong point of view on product design and consistently raise the bar for quality, systems thinking and customer experience. You've built and led high performing design teams, creating environments where people can grow, do exceptional work and have meaningful impact. You know how to scale design influence across an organisation, shaping product direction, ways of working and culture beyond your immediate team. You're energised by Monzo's mission to make money work for everyone, and excited to help shape the next generation of payments experiences through thoughtful, magical and innovative design. 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. Flexible working hours and trust based work culture. £1,000 annual learning budget for books, training and conferences. Full remote set up support, including equipment and workspace essentials. 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, veteran, neurodiversity or disability status.

Monzo is seeking a Director of Product Design to lead the design across payments, driving exceptional execution and influencing the overall customer experience. You will partner closely with senior leaders, raise the quality bar, and expand design's impact within the organization. With a strong focus on team growth and strategic direction, you will create an open feedback environment and help shape innovative payment experiences. This role is located in London but offers remote working options within the UK.