Monument Bank Limited
Product Lead - Savings
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Product Lead - Savings
Location: London (Oxford Circus) | Hybrid: 2 days per week in the office | Reports to: Head of Savings
About Monument
About Monument We’re building something genuinely rare: a financial brand designed for the mass affluent, the professionals, entrepreneurs and ambitious savers that traditional banks have systematically underserved for decades.
We exist to make managing wealth simpler, smarter and more human, treating every client’s wealth with the same care as if it were our own.
We have over £7 billion in client deposits, a fresh funding round and a place on the Future Fifty, the UK’s top pre-IPO companies. The momentum is real.
The opportunity
You’ll own Foundry, Monument’s new-product engine inside Savings. While the rest of Savings runs the core deposit book, you build what comes next: Tokenised Deposits with a £250m target this year, a savings prize draw, a Junior ISA, and an SME savings proposition.
The momentum is real. Savings took two years to reach £1bn, then four months to £2bn, then three months to £3bn. We grew from £1bn to £5bn in 2024, and from £5bn to £7bn in 2025. The ambition now is £7bn to £25bn. In 2026 the focus is clients: we went from 50,000 to 100,000 last year, and this year we aim to add at least another 50,000, and ideally double that.
You’ll report to the Head of Savings and run Foundry like a founder. Your roadmap, your experiments, your outcomes. This is a build seat, not a maintenance one. You’ll take new savings products from first hypothesis to live and scaling, in a regulated environment, without dropping the bar on client experience or compliance. You won’t inherit a roadmap. You’ll write it.
What you’ll do
- Drive measurable growth. Move the numbers that matter: new deposits, client volumes and balances. Tokenised Deposits alone carries a £250m target. Own it.
- Own the Foundry roadmap. Decide what to build next and why, tied to deposits, client growth and margin.
- Ship new products. Tokenised Deposits, prize draw, Junior ISA, SME savings, from concept to launch to iteration.
- Move fast on evidence. Test, measure, and cut what doesn’t work, even with sunk cost in it.
- Stay inside the rules. Deliver against FCA, BCOBS, ISA and Consumer Duty requirements without slowing to a crawl.
- Work across the bank. Partner with Engineering, Design, Risk, Compliance, Operations and Treasury.
- Use AI to move faster. Accelerate experiments and automate the non-core work.
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The mindset
Our best builders share the same DNA. You’ll fit here if you:
- Bias to action. You make progress visible through shipped product, not slides.
- Radical ownership. You own the outcome and the number, not just the launch.
- Challenge with intent. You question assumptions and push for the better call.
- Intellectual humility. Data and client feedback steer you, not ego.
- Cross-discipline empathy. You work well across product, engineering, risk and commercial.
What you bring
- Strong product management in banking, fintech or regulated financial services, with real ownership of new-product launches.
- A spike in product sense. You obsess over the client problem and tie it to a commercial result.
- A spike in structured problem-solving. You turn ambiguity into clear hypotheses and decide with data.
- Savings, deposits or closely related product experience is a strong plus. Tokenised or digital-asset deposit experience is rare and welcome.
- A solid grasp of UK savings regulation: FCA, BCOBS, ISAs and Consumer Duty.
- Founder drive, relentless curiosity, or both. You want to build the new thing, not optimise the old one.
What’s in it for you
Apply because you want to:
- Own Monument’s new-product engine in Savings from day one.
- Launch genuinely new products, including Tokenised Deposits, not feature copies.
- Carry a real commercial target and the autonomy to hit it.
- Build inside a bank that ships at startup speed and uses AI hard.
- Report to a Head of Savings who backs builders.
- Shape where Monument’s deposit franchise goes next.
Product principles
- Courage to dream big. Ambition got us here, and it keeps us from becoming wallpaper. If we haven’t tried new things, we’re playing it too safe. Remarkable outcomes rarely come from modest risk.
- Fall in love with the problem. We put the client’s need before our solution. Every hypothesis starts from the problem. We celebrate results, not effort, and we understand the why behind what clients do.
- Iterate with speed, and often. We try new things with clear direction. Failure is expected and often useful. When something doesn’t work, we change approach, even with sunk cost in it.
- Simplicity as our moat. Through discovery, design and delivery we choose the simple path. We drop features that don’t work. We design so the client doesn’t have to think.
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Our Values
At Monument, our values shape how we make decisions, how we treat each other when things get hard, and how we show up for clients who expect more than standard banking.
We set ambitious goals and hold ourselves to them, not because it looks good, but because our clients’ outcomes depend on it. When something isn’t working, we say so early, learn from it, and move. We don’t wait for perfect conditions, and we don’t protect egos over progress.
We work as a genuine team, which means real collaboration, honest conversations when we disagree, and shared accountability when things go wrong. We know better decisions come from different perspectives, so we actively value the range of experiences and backgrounds our people bring.
We’re always asking whether there’s a smarter way to do what we do, not for the sake of change, but because standing still isn’t an option in the market we’re in.
Benefits
- 28 days annual leave plus 8 bank holidays
- Performance related bonus structure
- Equity after probation
- Enhanced pension (9% employer contribution + 1% match when you contribute a minimum of 1%)
- Private health insurance with family cover
- Optical and dental cover
- Online GP service for you and your family
- Life assurance
- Flexible hybrid working, including options to work from abroad
- Enhanced parental leave
Equal Opportunities
Monument Bank is an equal opportunities employer. We are committed to creating an inclusive environment for all employees and applicants. We welcome applications from individuals of all backgrounds and do not discriminate on the basis of age, disability, gender reassignment, marriage or civil partnership, pregnancy or maternity, race, religion or belief, sex, or sexual orientation.
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