📍London | UK remote | 💰 £55,000 to £75,000 + Incentive Awards tied to your performance + Benefits | Hear from the team

About our Data Science Team:

We're looking for a Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 and help us to build a bank that customers truly love.

At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over four and half million customers in the UK, with over 100,000 new people joining every month. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.

Enable Monzo to Make Better Decisions, Faster

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. 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 data scientists the head space to focus on more impactful business questions and analyses.

How we hire

We are excited to be expanding and are hiring for multiple roles across our Data Science teams! Whether your interests lie in Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. While we allocate teams after the interview process, we aim to match your skills and aspirations with the most suitable role. Throughout the process, you will meet team members from across our Data Science collectives, who will guide you through the opportunities available. Join us and be part of shaping our future!

What you’ll be working on 

We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into one product squad alongside engineers, designers, marketers, product managers etc.

Your day-to-day   

• Applying your expertise in quantitative analysis, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our products and how those insights can inform our product strategy
• Guide and enable product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do
• Drive together with the finance team a unified company-wide understanding of the lifetime value of our users and how different product features are impacting user profitability
• Liaise with engineers to keep making sure we collect the right data to produce relevant business insights

You should apply if:

• You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well
• You're commercially minded and can put numbers into business perspective
• You’re as comfortable getting hands-on as taking a step back and thinking strategically
• 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 have solid grounding in SQL and preferably Python
• You have experience in conducting large scale A/B experiments

The Interview Process:

Our average process takes around 2-3 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 or want to talk through reasonable adjustments ahead of or during application please us at any point on tech-hiring@monzo.com 

What’s in it for you:

💰 £55,000 to £75,000 + Incentive Awards tied to your performance + 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

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.

London/Cardiff/UK Remote | 💰£103,000-£140,000 + Incentive Awards tied to your performance + Benefits  ✨

At Monzo, we’re on a mission to make money work for everyone. The Wealth Collective is at the heart of this. We aren’t just building features; we’re helping people navigate the most complex and high-stakes parts of their financial lives.

We are looking for a hybrid leader: a world-class mixed-methods practitioner who can navigate the knotty challenges of a new financial landscape while providing supportive, transparent line management for a high-performing researcher.

Our User Research team⭐

We are currently a team of more than 30 individual contributors, who are embedded into collectives i.e Core Banking, Business Banking etc, working cross functionally with Product Design, Product Management and Engineering teams. Our research organisation is led by Katherine Vaughan, our Director of User Research. 

🔑You’ll play a key role by...

• Having a demonstrable and significant positive impact on customer outcomes across the Monzo experience, both directly and indirectly.
• Having a tangible influence on Monzo's north star metrics and commercial outcomes.
• Prioritising the biggest opportunities for impact, and helping others do the same.
• Identifying the most important research questions for Monzo, flexing your focus between teams or domains in the company to do so 
• Choosing the right method, often pioneering new approaches to running complex research projects beyond your and the team's comfort zone, levelling up our capabilities as you go
• Shaping projects and strategies that balance pace, quality and breadth of focus to have the most impact, delegating to others when appropriate. 
• Drawing on a range of data sources and working closely with cross-discipline leaders where needed to robustly answer the questions that are most important to Monzo
• Communicating actionable user insights with such clarity that they are consistently used to define strategy across the organisation.
• Partnering closely with leaders beyond your discipline, and modelling better ways of cross functional working which raises the bar for all 
• Translating your insights and Monzo's strategic direction into a clear and actionable plan for the teams you work with, helping us make progress towards our product vision.
  
  

🤩 We’d love to hear from you if…

• You're passionate about making money work for everyone.
• You ideally have experience of working in a product-led environment, as a high performing individual contributor. 
• You have a passion/interest for mentoring and coaching user researchers. 
• You proactively set the conditions for others to deliver in ambiguous or changing contexts, both within squads and across the organisation. 
• You solve systemic issues caused by complexity, making things better for those who come after you.
• You're a visible role model for respectfully driving positive customer and business outcomes - even under challenging team circumstances.
• You proactively and consistently find ways to raise the bar for your discipline and others, giving timely, respectful feedback when needed.
• You role model resilience, and you help others take a measured approach to outlining the trade-offs of different options before deciding which route to pursue, keeping pace while you do so.
• You're recognised as the expert in your field of research and you have scaled the support you provide others to drive extensive improvements across the organisation.
• You identify opportunities your wider team's impact, culture and community of practice, and you're pragmatic in aiming for progress over perfection
• You take responsibility for the successful growing of the research teams you're in - helping identify where new skillsets are needed, bringing in the right people, and creating the conditions for them to be successful.

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

💰 £103,000-£140,000 DOE ➕Incentive Awards tied to your performance.

✈️ 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. 

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

🌈 The application journey has 3 key steps
First stage - Recruiter call
Second stage - Research methods task (1 hour)
Full loop - Values + Leadership interview and Teamwork + Impact interview (45 mins each - ideally b2b)

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.

The closing date for applications is 22nd May.

#LI-NH1

Job Title: Arrears Executive – Part Time
Working Pattern: 21.75 hours per week - across Monday, Thursday and Friday
Salary: £29,000 pro rata (£17,400) and up to 20% bonus and benefits
Location: Chester-le-Street (Drum Industrial Estate) hybrid working after probation.

💚 Shaping the future of sustainable digital banking 

Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.  

People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.  

Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.  

Tandem is growing fast and helping to shape the future of sustainable banking. 

Your team: Collaborators in change  

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. 

This is a key role in ensuring that the fair treatment of customers is embedded within the Operations team whilst ensuring that fair customer outcomes are consistently delivered. The purpose of the role is to support the Operations Leaders by supporting customers in financial difficulty and arrears whilst achieving departmental service levels. Upholding company standards and complying with all relevant Company and regulatory obligations (including adherence to FCA rules (including FCA MCOB and CONC rules).    

Led by our Operations Director, our Operations teams are responsible for all customer contact.  The teams are the primary points of contact for customers including responding to their inbound queries during the lifetime of their mortgage or loan as well as supporting customers that are in financial difficulty and/or arrears. Our aim is to provide an exceptional service to our customers by ensuring that we have knowledgeable, well training operational colleagues to deliver the service that our customers expect of us.    

  
Your Impact: Building a sustainable tomorrow  

As an Arrears Executive at Tandem your focus will be on: 

• Proactively service requests from our customers efficiently and professionally ensuring at you provide the customer with the information that they require.  

• Proactively manage all customer service-related inbound communication (via telephone, correspondence, email, portal) from customers and third parties as part of the servicing and arrears management of a range of mortgage and loan products. 

• Ensure regulatory transactional documentation is issued accurately and correctly in accordance with regulatory requirements (including regulatory arrears correspondence).  

• Identify situations that may require specialist handling (e.g. complaints, vulnerability, fraud) and refer these where appropriate.  

• Knowledge and practical application of handling customer complaints, to include identifying complaints, logging and investigating with an aim to putting a resolution in place.  

• Knowledge and practical application of dealing with vulnerable customers at first point of contact to ensure their specific needs are understood and they are treated with care and consideration.  

• Proactively manage accounts in arrears by completing outbound contact to establish the root cause of the customers payment difficulties and identify options to assist the customer in rehabilitating their mortgage or loan arrears.   

• Negotiate with customers and authorised third parties in financial difficulty regarding how to repay their arrears taking into consideration their individual personal circumstances.  

• Knowledge and practical application of completing Income and Expenditure assessments and deciding suitable forbearance options for the customer.   

• Knowledge and practical application of late arrears and litigation practices.  

• Ensure that all customer contact both written and verbal is conducted within Company standards, FCA regulations, Customer Complaint procedures and that the principles of TCF are upheld consistently with all customers.  

• Attain and maintain own competence to Group Training and Competence Framework demonstrated by ongoing adherence.  

• Proactively challenge existing processes and take ownership for implementing positive changes which are within own span of control.  

• Keep up to date with all Company/regulatory changes particularly those which affect own business area.  

• Actively contribute to the achievement of the Company Balance Scorecard objectives and demonstrating Company values in everything you do.  

• Adherence to and promotion of a culture of treating our customers fairly to deliver fair outcomes.    

We’d love to hear from you if you have: 

• Previous experience in financial services (with relevant regulatory appreciation) with demonstrable success in customer service and arrears within a regulated lending environment.  

• Demonstrable experience of working accounts in arrears including applying arrears forbearance options and identification of customers that are vulnerable.  

• Demonstrable experience of collecting arrears for mortgages and loans with knowledge of how own and team performance affects wider Company objectives.  

• Demonstrable knowledge of FCA rules (including MCOB and CONC rules), delivering fair outcomes to customers, CCA and GDPR regulations.  

• A working knowledge of customer services and arrears management in a regulated, lending environment. 

 
Rewards that reflect your value, what’s in it for you? 
 
At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:  

• 25 days annual leave plus 8 days Bank Holiday   

• An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc 

• Buy or sell up to 5 days holiday a year 

• Healthcare cash plan through Westfield Health  

• Life Assurance at 3 x salary 

• Electric Vehicle salary sacrifice scheme    

• Cycle to Work salary sacrifice scheme and a free helmet   

• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) 

• Smart Tech scheme (buy goods with 0% interest) 

• 10% discount on solar panels 

• Tandem Hub for treats, cash back and discounts on UK retailers    

• 2 days per year paid volunteering    

• Free cereal, snacks and drinks in all offices 

• Quarterly team social budgets 

Our Green Deal: Your Impact Amplified 

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: 

• Volunteer 2 days a year for charity > receive an early Friday finish  

• Raise £200 per annum for charity > Tandem provide PR and marketing support  

• Have renewable energy at home > receive an additional 1 day annual leave  

• Drive an electric car > receive £500 towards a home charger 

 
Ready to make your mark?  

Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role. 

 
Sourcing Model 

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. 
 
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.  

Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974. 

Job Title: Arrears Executive  
Working Pattern: 36.25 hours per week with contractual hours stated as Monday to Saturday between 8am to 7pm (with a 45-minute lunch break). Saturday shifts take place on the last Saturday of each month, from 9:00 AM to 12:00 PM, and are worked remotely from home. Working rota to be shared by Line Manager.  
Salary: up to £29,000 and up to 20% bonus and benefits 
Location: Chester-le-Street (Drum Industrial Estate) hybrid working after probation. 

💚 Shaping the future of sustainable digital banking 

Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.  

People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.  

Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.  

Tandem is growing fast and helping to shape the future of sustainable banking. 

Your team: Collaborators in change  

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. 

This is a key role in ensuring that the fair treatment of customers is embedded within the Operations team whilst ensuring that fair customer outcomes are consistently delivered. The purpose of the role is to support the Operations Leaders by supporting customers in financial difficulty and arrears whilst achieving departmental service levels. Upholding company standards and complying with all relevant Company and regulatory obligations (including adherence to FCA rules (including FCA MCOB and CONC rules).    

Led by our Operations Director, our Operations teams are responsible for all customer contact.  The teams are the primary points of contact for customers including responding to their inbound queries during the lifetime of their mortgage or loan as well as supporting customers that are in financial difficulty and/or arrears. Our aim is to provide an exceptional service to our customers by ensuring that we have knowledgeable, well training operational colleagues to deliver the service that our customers expect of us.    

  
Your Impact: Building a sustainable tomorrow  

As an Arrears Executive at Tandem your focus will be on: 

• Proactively service requests from our customers efficiently and professionally ensuring at you provide the customer with the information that they require.  

• Proactively manage all customer service-related inbound communication (via telephone, correspondence, email, portal) from customers and third parties as part of the servicing and arrears management of a range of mortgage and loan products. 

• Ensure regulatory transactional documentation is issued accurately and correctly in accordance with regulatory requirements (including regulatory arrears correspondence).  

• Identify situations that may require specialist handling (e.g. complaints, vulnerability, fraud) and refer these where appropriate.  

• Knowledge and practical application of handling customer complaints, to include identifying complaints, logging and investigating with an aim to putting a resolution in place.  

• Knowledge and practical application of dealing with vulnerable customers at first point of contact to ensure their specific needs are understood and they are treated with care and consideration.  

• Proactively manage accounts in arrears by completing outbound contact to establish the root cause of the customers payment difficulties and identify options to assist the customer in rehabilitating their mortgage or loan arrears.   

• Negotiate with customers and authorised third parties in financial difficulty regarding how to repay their arrears taking into consideration their individual personal circumstances.  

• Knowledge and practical application of completing Income and Expenditure assessments and deciding suitable forbearance options for the customer.   

• Knowledge and practical application of late arrears and litigation practices.  

• Ensure that all customer contact both written and verbal is conducted within Company standards, FCA regulations, Customer Complaint procedures and that the principles of TCF are upheld consistently with all customers.  

• Attain and maintain own competence to Group Training and Competence Framework demonstrated by ongoing adherence.  

• Proactively challenge existing processes and take ownership for implementing positive changes which are within own span of control.  

• Keep up to date with all Company/regulatory changes particularly those which affect own business area.  

• Actively contribute to the achievement of the Company Balance Scorecard objectives and demonstrating Company values in everything you do.  

• Adherence to and promotion of a culture of treating our customers fairly to deliver fair outcomes.    

We’d love to hear from you if you have: 

• Previous experience in financial services (with relevant regulatory appreciation) with demonstrable success in customer service and arrears within a regulated lending environment.  

• Demonstrable experience of working accounts in arrears including applying arrears forbearance options and identification of customers that are vulnerable.  

• Demonstrable experience of collecting arrears for mortgages and loans with knowledge of how own and team performance affects wider Company objectives.  

• Demonstrable knowledge of FCA rules (including MCOB and CONC rules), delivering fair outcomes to customers, CCA and GDPR regulations.  

• A working knowledge of customer services and arrears management in a regulated, lending environment. 

 
Rewards that reflect your value, what’s in it for you? 
 
At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:  

• 25 days annual leave plus 8 days Bank Holiday   

• An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc 

• Buy or sell up to 5 days holiday a year 

• Healthcare cash plan through Westfield Health  

• Life Assurance at 3 x salary 

• Electric Vehicle salary sacrifice scheme    

• Cycle to Work salary sacrifice scheme and a free helmet   

• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) 

• Smart Tech scheme (buy goods with 0% interest) 

• 10% discount on solar panels 

• Tandem Hub for treats, cash back and discounts on UK retailers    

• 2 days per year paid volunteering    

• Free cereal, snacks and drinks in all offices 

• Quarterly team social budgets 

Our Green Deal: Your Impact Amplified 

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: 

• Volunteer 2 days a year for charity > receive an early Friday finish  

• Raise £200 per annum for charity > Tandem provide PR and marketing support  

• Have renewable energy at home > receive an additional 1 day annual leave  

• Drive an electric car > receive £500 towards a home charger 

 
Ready to make your mark?  

Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role. 

 
Sourcing Model 

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. 
 
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.  

Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974. 

Job Title: Arrears Executive  
Working Pattern: 36.25 hours per week with contractual hours stated as Monday to Saturday between 8am to 7pm (with a 45-minute lunch break). Saturday shifts take place on the last Saturday of each month, from 9:00 AM to 12:00 PM, and are worked remotely from home. Working rota to be shared by Line Manager.  
Salary: up to £29,000 and up to 20% bonus and benefits 
Location: Cardiff - hybrid working after probation. 

💚 Shaping the future of sustainable digital banking 

Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.  

People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.  

Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.  

Tandem is growing fast and helping to shape the future of sustainable banking. 

Your team: Collaborators in change  

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. 

This is a key role in ensuring that the fair treatment of customers is embedded within the Operations team whilst ensuring that fair customer outcomes are consistently delivered. The purpose of the role is to support the Operations Leaders by supporting customers in financial difficulty and arrears whilst achieving departmental service levels. Upholding company standards and complying with all relevant Company and regulatory obligations (including adherence to FCA rules (including FCA MCOB and CONC rules).    

Led by our Operations Director, our Operations teams are responsible for all customer contact.  The teams are the primary points of contact for customers including responding to their inbound queries during the lifetime of their mortgage or loan as well as supporting customers that are in financial difficulty and/or arrears. Our aim is to provide an exceptional service to our customers by ensuring that we have knowledgeable, well training operational colleagues to deliver the service that our customers expect of us.    

  
Your Impact: Building a sustainable tomorrow  

As an Arrears Executive at Tandem your focus will be on: 

• Proactively service requests from our customers efficiently and professionally ensuring at you provide the customer with the information that they require.  

• Proactively manage all customer service-related inbound communication (via telephone, correspondence, email, portal) from customers and third parties as part of the servicing and arrears management of a range of mortgage and loan products. 

• Ensure regulatory transactional documentation is issued accurately and correctly in accordance with regulatory requirements (including regulatory arrears correspondence).  

• Identify situations that may require specialist handling (e.g. complaints, vulnerability, fraud) and refer these where appropriate.  

• Knowledge and practical application of handling customer complaints, to include identifying complaints, logging and investigating with an aim to putting a resolution in place.  

• Knowledge and practical application of dealing with vulnerable customers at first point of contact to ensure their specific needs are understood and they are treated with care and consideration.  

• Proactively manage accounts in arrears by completing outbound contact to establish the root cause of the customers payment difficulties and identify options to assist the customer in rehabilitating their mortgage or loan arrears.   

• Negotiate with customers and authorised third parties in financial difficulty regarding how to repay their arrears taking into consideration their individual personal circumstances.  

• Knowledge and practical application of completing Income and Expenditure assessments and deciding suitable forbearance options for the customer.   

• Knowledge and practical application of late arrears and litigation practices.  

• Ensure that all customer contact both written and verbal is conducted within Company standards, FCA regulations, Customer Complaint procedures and that the principles of TCF are upheld consistently with all customers.  

• Attain and maintain own competence to Group Training and Competence Framework demonstrated by ongoing adherence.  

• Proactively challenge existing processes and take ownership for implementing positive changes which are within own span of control.  

• Keep up to date with all Company/regulatory changes particularly those which affect own business area.  

• Actively contribute to the achievement of the Company Balance Scorecard objectives and demonstrating Company values in everything you do.  

• Adherence to and promotion of a culture of treating our customers fairly to deliver fair outcomes.    

We’d love to hear from you if you have: 

• Previous experience in financial services (with relevant regulatory appreciation) with demonstrable success in customer service and arrears within a regulated lending environment.  

• Demonstrable experience of working accounts in arrears including applying arrears forbearance options and identification of customers that are vulnerable.  

• Demonstrable experience of collecting arrears for mortgages and loans with knowledge of how own and team performance affects wider Company objectives.  

• Demonstrable knowledge of FCA rules (including MCOB and CONC rules), delivering fair outcomes to customers, CCA and GDPR regulations.  

• A working knowledge of customer services and arrears management in a regulated, lending environment. 

 
Rewards that reflect your value, what’s in it for you? 
 
At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:  

• 25 days annual leave plus 8 days Bank Holiday   

• An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc 

• Buy or sell up to 5 days holiday a year 

• Healthcare cash plan through Westfield Health  

• Life Assurance at 3 x salary 

• Electric Vehicle salary sacrifice scheme    

• Cycle to Work salary sacrifice scheme and a free helmet   

• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) 

• Smart Tech scheme (buy goods with 0% interest) 

• 10% discount on solar panels 

• Tandem Hub for treats, cash back and discounts on UK retailers    

• 2 days per year paid volunteering    

• Free cereal, snacks and drinks in all offices 

• Quarterly team social budgets 

Our Green Deal: Your Impact Amplified 

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: 

• Volunteer 2 days a year for charity > receive an early Friday finish  

• Raise £200 per annum for charity > Tandem provide PR and marketing support  

• Have renewable energy at home > receive an additional 1 day annual leave  

• Drive an electric car > receive £500 towards a home charger 

 
Ready to make your mark?  

Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role. 

 
Sourcing Model 

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. 
 
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.  

Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974. 

Job Title: Arrears Executive – Part Time
Working Pattern: 21.75 hours per week - across Monday, Thursday and Friday
Salary: £29,000 pro rata (£17,400) and up to 20% bonus and benefits
Location: Cardiff - hybrid working after probation.

💚 Shaping the future of sustainable digital banking 

Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.  

People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.  

Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.  

Tandem is growing fast and helping to shape the future of sustainable banking. 

Your team: Collaborators in change  

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. 

This is a key role in ensuring that the fair treatment of customers is embedded within the Operations team whilst ensuring that fair customer outcomes are consistently delivered. The purpose of the role is to support the Operations Leaders by supporting customers in financial difficulty and arrears whilst achieving departmental service levels. Upholding company standards and complying with all relevant Company and regulatory obligations (including adherence to FCA rules (including FCA MCOB and CONC rules).    

Led by our Operations Director, our Operations teams are responsible for all customer contact.  The teams are the primary points of contact for customers including responding to their inbound queries during the lifetime of their mortgage or loan as well as supporting customers that are in financial difficulty and/or arrears. Our aim is to provide an exceptional service to our customers by ensuring that we have knowledgeable, well training operational colleagues to deliver the service that our customers expect of us.    

  
Your Impact: Building a sustainable tomorrow  

As an Arrears Executive at Tandem your focus will be on: 

• Proactively service requests from our customers efficiently and professionally ensuring at you provide the customer with the information that they require.  

• Proactively manage all customer service-related inbound communication (via telephone, correspondence, email, portal) from customers and third parties as part of the servicing and arrears management of a range of mortgage and loan products. 

• Ensure regulatory transactional documentation is issued accurately and correctly in accordance with regulatory requirements (including regulatory arrears correspondence).  

• Identify situations that may require specialist handling (e.g. complaints, vulnerability, fraud) and refer these where appropriate.  

• Knowledge and practical application of handling customer complaints, to include identifying complaints, logging and investigating with an aim to putting a resolution in place.  

• Knowledge and practical application of dealing with vulnerable customers at first point of contact to ensure their specific needs are understood and they are treated with care and consideration.  

• Proactively manage accounts in arrears by completing outbound contact to establish the root cause of the customers payment difficulties and identify options to assist the customer in rehabilitating their mortgage or loan arrears.   

• Negotiate with customers and authorised third parties in financial difficulty regarding how to repay their arrears taking into consideration their individual personal circumstances.  

• Knowledge and practical application of completing Income and Expenditure assessments and deciding suitable forbearance options for the customer.   

• Knowledge and practical application of late arrears and litigation practices.  

• Ensure that all customer contact both written and verbal is conducted within Company standards, FCA regulations, Customer Complaint procedures and that the principles of TCF are upheld consistently with all customers.  

• Attain and maintain own competence to Group Training and Competence Framework demonstrated by ongoing adherence.  

• Proactively challenge existing processes and take ownership for implementing positive changes which are within own span of control.  

• Keep up to date with all Company/regulatory changes particularly those which affect own business area.  

• Actively contribute to the achievement of the Company Balance Scorecard objectives and demonstrating Company values in everything you do.  

• Adherence to and promotion of a culture of treating our customers fairly to deliver fair outcomes.    

We’d love to hear from you if you have: 

• Previous experience in financial services (with relevant regulatory appreciation) with demonstrable success in customer service and arrears within a regulated lending environment.  

• Demonstrable experience of working accounts in arrears including applying arrears forbearance options and identification of customers that are vulnerable.  

• Demonstrable experience of collecting arrears for mortgages and loans with knowledge of how own and team performance affects wider Company objectives.  

• Demonstrable knowledge of FCA rules (including MCOB and CONC rules), delivering fair outcomes to customers, CCA and GDPR regulations.  

• A working knowledge of customer services and arrears management in a regulated, lending environment. 

 
Rewards that reflect your value, what’s in it for you? 
 
At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:  

• 25 days annual leave plus 8 days Bank Holiday   

• An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc 

• Buy or sell up to 5 days holiday a year 

• Healthcare cash plan through Westfield Health  

• Life Assurance at 3 x salary 

• Electric Vehicle salary sacrifice scheme    

• Cycle to Work salary sacrifice scheme and a free helmet   

• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) 

• Smart Tech scheme (buy goods with 0% interest) 

• 10% discount on solar panels 

• Tandem Hub for treats, cash back and discounts on UK retailers    

• 2 days per year paid volunteering    

• Free cereal, snacks and drinks in all offices 

• Quarterly team social budgets 

Our Green Deal: Your Impact Amplified 

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: 

• Volunteer 2 days a year for charity > receive an early Friday finish  

• Raise £200 per annum for charity > Tandem provide PR and marketing support  

• Have renewable energy at home > receive an additional 1 day annual leave  

• Drive an electric car > receive £500 towards a home charger 

 
Ready to make your mark?  

Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role. 

 
Sourcing Model 

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. 
 
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.  

Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974. 

📍London, Cardiff or UK Remote | 💰£100,000-£135,000 + Benefits | Research at Monzo 

About us:

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 amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About our Research Team: We are currently a team of around 30 individual contributors, who are embedded in collectives like Core Banking and Business Banking. We work cross functionally with Product Management, Product Design, Marketing, Brand and Engineering teams. Our research organisation is led by Katherine Vaughan, our Director of Research. Katherine reports into Vuokko Aro, Monzo’s Chief Design Officer. 

About the role..

As Senior Market Research Manager, you’ll build and lead a team of Market Researchers embedded across Monzo. While you scale the team, you’ll be hands-on in delivering the deep customer and market insights that shape our product and growth strategies. You’ll champion robust market research and scale its impact to help us make money work for everyone. While our existing team excels at understanding our current users, you will be the expert on the non-user and the wider market, bridging the gap between where we are today and where we want to grow.

What you’ll be working on

Impacting strategy 

• Partner with leadership to make sure teams are solving the right customer problems in the right ways based on market understanding.
• Deepen our understanding of Monzo’s diverse user base to make sure products resonate across different needs and behaviours.
• Lead competitive analysis and shape value propositions to tailor our brand voice for new global markets.
• Making sure your research team is working on the highest impact opportunities
• Translating market insights into commercial opportunities.
• Increase visibility of insights, making sure action is taken as a result across the organisation.

Doing market research

• Doing and enabling primary qualitative and quantitative studies to analyse competitors, macro trends, pricing, and brand perception.
• Use quantitative methods like conjoint analysis, MaxDiff, and segmentation to help us sharpen and prioritise our plans (making use of Qualtrics or partnering with Data when relevant).
• Test and refine messaging and product positioning to ensure they resonate in market.
• Effectively partnering with external agencies when needed.

Leading people  

• Building the future of the Market Research discipline at Monzo.
• Managing our first team of Market Researchers, supporting 1-3 direct reports.
• Partnering with our Research Operations team to set the standard for the tools and processes needed for our Market Research discipline.
• Continually raising the standard of market research.
• Hiring brilliant, diverse people and ensuring they are onboarded to be quickly effective.

You should apply if:

You’ve enabled product and growth strategy, ideally in a high growth org 

• You're passionate about understanding the market and finding new opportunities to innovate.

• You’ve had experience building or informing go-to-market strategies and driving  sustainable growth through strategic thinking.
• You drive projects forward through clear communication and a focus on high-impact outcomes.
  
  

You have market research expertise 

• You’ve used market research methods, including branding, advertising, and growth marketing research in a high growth product or technology organisation.

• You are able to triangulate a range of insights (brand tracking data, user insights etc) into a compelling source of truth that helps others move forward effectively.
• You are comfortable with advanced quantitative analysis techniques, such as conjoint analysis, max-diff scaling, clustering and segmentation. 
• You blend qual and quant rigorously and thoughtfully.
• You're comfortable in modern research tech stacks and can independently drive analysis from raw data if needed. 

You lead people to do their best work

• You have experience coaching non-researchers on how to effectively use market insights.
• You are an empowering manager who balances high autonomy with supportive coaching and kind, clear performance management where needed.

Even better if 

• You’ve enabled successful international expansion, you’ve helped scale a high-growth agile tech org, or you’ve worked in B2B as well as B2C.

🙌What’s in it for you

💰£100,000-£135,000 ➕share options.

✅ 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. 

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

The Interview Process: 

Our interview process involves 3 main stages: 

1. Recruiter call (30 minutes). A video chat with Natalie who is part of our hiring team. This focuses on general suitability for Monzo. 
2. Research Leadership Ways of Working (60 minutes). You will be sent a pre-interview task by the hiring team, which you will discuss in the interview, followed by situation questions.
3. Final loop (Total 1hr 30-2 hours). Split into 2 interviews - Managing teams & People + Teamwork & Impact

Our average process takes around 2-3 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. 

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 😊

#LI-NH1

📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team

About our Data Science Team:

We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 and help us to build a bank that customers truly love.

At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 11 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.

Enable Monzo to Make Better Decisions, Faster

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. 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 data scientists the head space to focus on more impactful business questions and analyses.

How we hire

We are excited to be expanding and are hiring for multiple roles across our Data Science teams! Whether your interests lie in Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. While we allocate teams after the interview process, we aim to match your skills and aspirations with the most suitable role. Throughout the process, you will meet team members from across our Data Science collectives, who will guide you through the opportunities available. Join us and be part of shaping our future!

What you’ll be working on 

We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc.

Your day-to-day   

• Applying your expertise in quantitative analysis, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our products and how those insights can inform our product strategy
• Guide and enable product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do
• Drive together with the finance team a unified company-wide understanding of the lifetime value of our users and how different product features are impacting user profitability
• Liaise with engineers to keep making sure we collect the right data to produce relevant business insights

You should apply if:

What we’re doing here at Monzo excites you!

• You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well
• You're commercially minded and can put numbers into business perspective
• You’re as comfortable getting hands-on as taking a step back and thinking strategically
• 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 have solid grounding in SQL and preferably Python
• You have experience in conducting large scale A/B experiments

The Interview Process:

Our interview process involves three main stages: 

1. Recruiter Call
2. Initial Call 
3. Technical Interview
4. Final Interview including a case study and collaboration interview 

Our average process takes around 2-3 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.

What’s in it for you:

💰 £80,000 to £95,000 + Incentive Awards tied to your performance + 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

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.

#LI-NB2 #LI-Remote

📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team

About our Data Science Team:

We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 and help us to build a bank that customers truly love.

At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 11 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.

Enable Monzo to Make Better Decisions, Faster

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. 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 data scientists the head space to focus on more impactful business questions and analyses.

How we hire

We are excited to be expanding and are hiring for multiple roles across our Data Science teams! Whether your interests lie in Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. While we allocate teams after the interview process, we aim to match your skills and aspirations with the most suitable role. Throughout the process, you will meet team members from across our Data Science collectives, who will guide you through the opportunities available. Join us and be part of shaping our future!

What you’ll be working on 

We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc.

Your day-to-day   

• Applying your expertise in quantitative analysis, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our products and how those insights can inform our product strategy
• Guide and enable product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do
• Drive together with the finance team a unified company-wide understanding of the lifetime value of our users and how different product features are impacting user profitability
• Liaise with engineers to keep making sure we collect the right data to produce relevant business insights

You should apply if:

What we’re doing here at Monzo excites you!

• You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well
• You're commercially minded and can put numbers into business perspective
• You’re as comfortable getting hands-on as taking a step back and thinking strategically
• 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 have solid grounding in SQL and preferably Python
• You have experience in conducting large scale A/B experiments

The Interview Process:

Our interview process involves three main stages: 

1. Recruiter Call
2. Initial Call 
3. Technical Interview
4. Final Interview including a case study and collaboration interview 

Our average process takes around 2-3 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.

What’s in it for you:

💰 £80,000 to £95,000 + Incentive Awards tied to your performance + 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

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.

#LI-NB2 #LI-Remote