Monzo
Lead Product Manager, Payments
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đ Weâre on a mission to make money work for everyone. Weâre waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. 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! Weâre not about selling products - we want to solve problems and change lives through Monzo â¤ď¸
â Our Payments team
Payments is at the heart of Monzo. Itâs how our customers move, receive, spend and manage their money, from cards and bank transfers to cross-border payments, merchant acquiring, payment experiences in the app, and the platform infrastructure that underpins the whole bank.
This role sits in our Payments Platform area, working most closely with our Finance Infrastructure squad. The squad sits in Payments, but partners deeply with Finance teams to build the systems, abstractions and capabilities Monzo needs to operate safely, scale efficiently, and expand into new markets. Youâll work on foundational financial infrastructure: the ledgers, data, controls, reporting, reconciliation and platform capabilities that help Monzo understand, account for and manage money across the bank.
This is a role for someone who gets genuinely excited by complex, technical infrastructure. The work is often behind the scenes, but itâs business-critical: it helps Monzo scale, launch new products and markets, support Finance, and keep the bank running safely.
đ Youâll play a key role by...
- Defining the product strategy and roadmap for Finance Infrastructure within Payments Platform.
- Partnering closely with Engineering, Finance and Payments leaders to understand what Monzo needs from its financial systems today and as we scale.
- Moving the team from reactive delivery towards a more strategic, product-led approach, asking why weâre building things, what good looks like, and how todayâs choices support Monzoâs long-term needs.
- Translating complex finance, accounting, operational and regulatory needs into scalable platform capabilities.
- Prioritising across competing stakeholder needs, balancing urgent delivery with long-term system health.
- Helping Monzo build financial infrastructure that can support multiple products, entities, countries, currencies and regulatory environments.
- Building trusted relationships with senior stakeholders across Finance, Engineering, Product and Operations.
- Bringing strong product discipline, technical curiosity and systems thinking to a space that is critical to Monzoâs future growth.
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𤊠Weâd love to hear from you ifâŚ
- Youâre a strong senior Product Manager with experience owning complex technical, platform, infrastructure or financial systems.
- You have enough technical depth to partner credibly with engineers and reason about systems, trade-offs, dependencies and long-term architecture.
- Youâre excited by âboring but criticalâ infrastructure, things like ledgers, reconciliation, financial data, controls, reporting, internal platforms, abstractions or backend systems.
- You can work with senior and cross-functional stakeholders, including Finance, Engineering, Product and operational teams.
- Youâre comfortable bringing product thinking into ambiguous or stakeholder-heavy environments, and moving teams from request-led delivery towards long-term strategy.
- Youâre high-agency, ambitious and excited to stretch yourself in a team with a high bar.
- You care about customers and business outcomes, even when the work is several layers removed from the end customer experience.
Not ticking every box? Thatâs totally okay!
Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, weâre dedicated to creating a diverse and welcoming team. If youâre passionate about this role and keen to learn and grow with us, we encourage you to applyâ even if you donât have everything that's listed just yet. Drop us your application, weâd love to hear from you!
đWhatâs in it for you
- đ°ÂŁ125,000 - ÂŁ145,000 â share options.
- âď¸ Weâll help you relocate to the UK.
- â We can sponsor your visa.
- đThis role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London)
- â°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.
- đÂŁ1,000 learning budget each year to use on books, training courses and conferences.
- đĄWe 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.
- â Plus lots more! Read our full list of benefits.
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đ The application journey has 3 key steps
- First stage - Meet with our Collective Product Director
- Second stage - Meet with our Engineering and Finance leadership
- Third stage - Product full 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. Youâll hear from us throughout the application process, but if youâve got any questions, please reach out to hiring@monzo.com. You can also use this email address to let us know if thereâs anything we can do to make the process easier for you because of disability, neurodiversity or anything else. For more insight into the hiring experience at Monzo, check out our blog post written by one of our
Weâll 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 donât miss out. If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. Weâll be sure to communicate this with you and keep you updated.
#LI-REMOTE
Equal opportunities for everyone
Diversity and inclusion are a priority for us and weâre making sure we have lots of support for all of our people to grow at Monzo. At Monzo, weâre 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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.
Weâre 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 đ
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