📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + benefits | Hybrid model: 3 days a week in the office

⭐Our Business Banking  team

Business Banking is on a mission to make money work for small businesses around the world. Since launching in 2020, Monzo has grown to be the bank of choice for over 800,000 UK businesses - voted by our customers as Britain’s recommended business account for overall service quality.

This is an exciting role for a product manager who loves getting close to customers, understanding local market nuance, and using that insight to improve product-market fit. You’ll focus on helping Monzo succeed in our European markets by working cross-functionally with user research, data science, and marketing to identify the biggest customer and business opportunities, and working with teams across Monzo to solve them.  

You’ll sit at the intersection of expansion, growth and new feature development. That means deeply understanding customer needs in specific markets, spotting where our proposition needs to be adapted, and driving the changes that will have the biggest impact on customer outcomes and business performance.

🔑You’ll play a key role by…

Helping Monzo find stronger product-market fit in our European markets. You’ll balance growth, expansion, and feature iteration to tailor our proposition across specific European markets.

That means you’ll:

• Build a deep understanding of customer needs, behaviours and pain points in specific European markets
• Develop a strong view of local market context, including customer expectations, competitive dynamics and product nuances
• Work closely with data and user research to identify the biggest opportunities and challenges in each market
• Partner with engineering, design, research, data, and marketing to shape and deliver localisations, product improvements and market-specific changes
• Collaborate with teams building globally-used products to make sure our proposition works for local customers too
• Define clear problems to solve, prioritise effectively, and focus on the opportunities with the highest potential impact
• Run experiments, test quickly, and use evidence to iterate on solutions
• Track performance against goals and use data to understand what is and isn’t working

🤩 We’d love to hear from you if…

• You’ve shipped high-quality digital products in a fast-moving environment. Even better if you have experience in growth, expansion, or new market focussed product roles
• 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 highly customer-focused and know how to turn insight into practical product changes
• You're data-driven, and enthusiastic about metrics. You have a proven track record of making an impact through experimentation and optimization. You’re comfortable using both data and research to identify opportunities and make decisions
• You enjoy working across discovery and delivery, from understanding problems to testing solutions in market
• You’re able to work autonomously and make progress in ambiguous spaces
• You get people inspired by the product vision and you share the right context with the right people at the right time.
• You’re excited by experimentation, and have strong instincts for how to learn quickly
• You work well with a wide range of partners and disciplines to get things done
• You can balance local market needs with the realities of working within a broader global product organisation
• You care about delivering meaningful customer and business outcomes, not just shipping feature
• You’re excited by what we’re doing at Monzo

🌈 The application journey has 3 key steps

1. Recruiter Call (30 minutes)
2. Initial Call (45 minutes) with the hiring manager 
3. Final Loop (2 hours 45) consisting of x3 interviews consisting of a Project Walkthrough, Case Study and Leadership inverview.

Our average process takes around 5-6 weeks but we will always work around your availability.

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. 

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. We’ll be sure to communicate this with you and keep you updated.

🙌What’s in it for you

💰Base salary range for this role is depending on experience + benefits 

📍Barcelona, Spain

⏰ 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 €1,200 a year for books, training courses and conferences

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📍Barcelona or London  | 💰 Open to experience ➕  Benefits | Product at Monzo 

🔑You’ll play a key role by…

Leading one or more cross-functional teams to define and deliver a strategy that helps customers make the most of Monzo. You’ll help build the platform, capabilities and app structure needed to optimise a customer’s in-app experience and engagement.

As a member of Monzo’s product team, you’ll be responsible for defining the strategy and setting a high bar for impact and execution, requiring complex stakeholder alignment and coordination across multiple cross-functional teams. 

🤩 We’d love to hear from you if…

• Lead the charge: build a product vision and strategy for your area, ensuring alignment with Monzo’s goals and an exceptional customer experience. 
• Communicate effectively: you get people inspired by the product vision and you 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 create a strategy and deliver.
• Deliver impact: define, deliver and measure the impact of the customer-focused personalisation and discovery experiences you create.
  
  

📝 You should apply if…

• You are a seasoned product manager, and have shipped world-class products at a fast growing company.
• You have launched a consumer product within an EU market
• 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 systematically break down and solve complex problems.
• You have good judgement, and have a track record of making 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.

🙌What’s in it for you

💰Base salary range for this role is dependent on experience + benefits 

📍Barcelona, Spain or London (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

🌈 The application journey has 4 key steps

• Recruiter Call 
• Initial Call with Hiring Manager 
• Final Loop, consisting of x3 interviews to assess Project Walkthrough, Case Study and Leadership.
• Follow up with hiring manager

Our average process takes around 5-6 weeks but we will always work around your availability.

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

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. 

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. We’ll be sure to communicate this with you and keep you updated.

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📍London | 💰£70,000 - £90,000 + Benefits | 12 Month Fixed-Term Contract  ✨

Our Core Banking team⭐

This role spans our Core Accounts operations and you’ll ensure our current, joint, and U16 accounts are supported by robust operations. You’ll sit at the centre of multiple teams — Product, Engineering, Partnerships, Customer Operations, and Risk — and help shape how we engage millions of customers with everyday value.

You’ll be responsible for identifying and project managing strategic, cross-collective initiatives that improve customer experience and operational effectiveness at scale. From launching new products and features to refining existing journeys, you’ll act as the voice of the customer within product squads, ensuring we build with both experience and operational readiness in mind.

You’ll use data and customer insights to spot opportunities, prioritise the highest-impact work, and drive measurable improvements. Alongside this, you’ll bring structure to complex problems, align stakeholders across different teams, and ensure we deliver changes smoothly, compliantly, and with clear outcomes for our customers.

🔑 You’ll play a key role by...

• Identifying areas to improve customer experience through monitoring operational data and customer feedback 
• Supporting launch of new products and features through being the voice of the customer for product squads and owning ops readiness and reporting 
• Influencing Product Squad goals on high priority Core topics and unlocking strategic Core projects to achieve a better experience for our customers
• Running regular Customer Experience and Core Ops Health meetings, gathering inputs and sharing insights each month 
• Partnering with Risk & Compliance to implement regulatory frameworks like Consumer Duty for our current account, joint account and U16 products

🤩 We’d love to hear from you if…

• You’re an excellent project manager who can juggle multiple priorities and stakeholders from a range of seniority levels and Collectives
• You’re comfortable with numbers, for example estimating ‘size of prize’ to support prioritisation and decision making 
• You’re data-informed and confident using Looker and Google Sheets (or equivalent) to evaluate trends and spot opportunities
• You’re detail-oriented and can make complex operations run smoothly and compliantly
• You bring structure and clarity to ambiguity and have a track record of making things better at scale
• You’re a strong communicator and cross-functional collaborator

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’s in it for you

💰 £70,000 - £90,000

📍This role is based in our London office

ℹ️ Please note this will be a 12 month fixed term contract

⏰ 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. 

➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 3 key steps

• 30 min recruiter call
• 30 min call with the hiring manager
• 2 hours of technical and behavioural interviews

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.

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. 

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📍London, UK | 💰 Base salary for this role is depending on experience + Stock Options | Hybrid working model 

Define and deliver the future of how UK businesses manage their money. This is a rare opportunity to shape one of Monzo’s most strategically important product areas, leading teams to build innovative, differentiated experiences that no other bank offers.

You’ll set the long-term vision, craft a customer-obsessed strategy, and create the execution engine that turns ambition into reality. We’re looking for someone who pairs exceptional product taste with strong analytical depth, thrives in ambiguity, and can inspire multiple teams to deliver world-class outcomes.

If you’re excited by the idea of redefining business banking for millions of customers—and building high-performing teams along the way—this role puts you at the heart of Monzo’s next chapter.

What you’ll be working on:

As the Senior Product Director for Business Banking, you will define and drive the product strategy, vision, and execution for one of Monzo’s most strategically important product areas. You’ll craft an ambitious roadmap rooted in deep customer insight, emerging market dynamics, and commercial impact—setting a vision that differentiates Monzo in the business banking space.

This role is a rare blend of strategic thinking, world-class product taste, analytical depth, and an ability to consistently ship great work. You will cultivate a high-performance, ownership-driven culture across multiple product teams, guiding them to innovate, execute, and scale products that meaningfully improve the financial lives of our business customers.

What you'll do:

Product Strategy & Vision

• Set a bold, customer-centric, commercially grounded product strategy for Business Banking.
• Develop and articulate a compelling long-term product vision that positions Monzo as the leader in differentiated business financial experiences.
• Combine customer insights, market trends, and commercial priorities into a roadmap that delivers measurable business impact.

Innovation & Differentiation

• Foster a culture of innovation that challenges conventions and inspires teams to build category-defining experiences.
• Identify and pursue opportunities to meaningfully differentiate Monzo’s business banking offerings.
• Drive teams to create unique, delightful products based on exceptional product taste.

Analytical & Strategic Depth

• Spar with data scientists and use data to understand “the why” behind customer behaviour, product performance, and opportunities.
• Help teams deepen their analytical thinking, improving decision-making quality across the org.

Execution & High-Performance Culture

• Build an execution engine that consistently delivers against ambitious goals.
• Create extreme clarity on priorities, establish strong processes, remove blockers, and maintain team momentum.
• Instil a culture of ownership, speed, and high performance.

Leadership & Organisational Impact

• Be a self-starter with a strong bias for action—willing to lead from the front when needed and empower from behind when that’s best.
• Take full ownership of the Business Banking product area, operating with autonomy and accountability.
• Identify organisational inefficiencies and design structures that enable teams to thrive.
• Hire, coach, and develop exceptional product managers, helping them reach their full potential and cultivating the next generation of Monzo product leaders.

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.

What’s in it for you:

💰Base salary dependent upon experience + Stock Options + Benefits

✈️ 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

📍 London / UK | Salary dependent on experience + Stock Options + Benefits 

Flex is one of Monzo’s fastest-growing and most commercially significant products. Four years ago, we reinvented the credit card experience—building something simpler, more transparent, and genuinely useful. Today, over a million customers use Flex.

We’re looking for a Product Director to lead Flex into its next phase of growth.

This is a high-impact, deeply commercial role at the intersection of product and credit. You’ll define how we scale borrowing responsibly, expand into new segments, and continue building products customers genuinely love.

You’ll work closely with Engineering, Credit, Data, Design, and senior leadership to identify new opportunities, optimise performance across complex segments, and deliver at pace.

What you’ll be working on…

Set the strategy for Flex

• Set direction for one of Monzo’s most important revenue-driving products
• Identify and unlock new commercial opportunities across customer segments
• Navigate complex trade-offs between growth, risk, and customer outcomes

Drive commercial performance

• Work closely with Credit teams to shape propositions across multiple risk segments and cohorts
• Interrogate performance deeply — from unit economics to long-term profitability curves
• Identify and drive new commercial opportunities

Champion the customer

• Ensure Flex remains rooted in strong customer outcomes, not just revenue
• Push for simple, transparent, and delightful experiences
• Advocate for customer experience alongside commercial outcomes

Build and lead a high-performing team

• Manage and develop a team of Product Managers
• Deliver multiple high-impact initiatives through your direct reports
• Raise the bar on product thinking and foster a culture of high standard and high velocity

🌟 What We’re Looking For

Commercial Thinking 

• Strong commercial instinct — you think in terms of trade-offs, economics, and outcomes
• Comfortable operating in complex environments (e.g. multiple segments and cohorts with different commercials)
• Able to engage deeply with Credit and Data partners
• Experience in lending, credit cards, or adjacent borrowing products 

Consumer Focus

• You start with the customer never lose track of their needs
• You’re willing to challenge revenue-driven decisions when they conflict with good customer outcomes
• You have strong product taste and care deeply about experience quality

Execution & Leadership 

• Proven ability to deliver in fast-paced environments with multiple workstreams
• Comfortable going deep in the detail while leading through others
• Strong cross-functional leadership across technical, credit, and governance stakeholders

What’s in it for you:

💰Base salary dependent upon experience + Stock Options + Benefits

✈️ 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

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