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. 

📍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 | 💰Competitive Salary + Incentive Awards tied to your performance + Benefits  ✨

Our Executive & Board Hiring team⭐

Our Executive & Board Recruiting team helps find, engage and hire the next generation of leadership and board talent for Monzo globally. We are a small, dedicated team of leadership recruiting experts, based out of London but with a global reach. Monzo continues to grow and we are looking for an Executive Researcher to join the team.

Executive & Board Recruitment at Monzo

Monzo is known for its innovative marketing, and beloved products and services - and for the people behind them.

As part of our “People Collective” team, you're charged with finding the most interesting candidates who bring an entrepreneurial spirit, a sense of scrappiness and a diversity of thought to all they do. You're responsible for engaging executive and board candidates to our hiring process and connecting them to the magic of working at Monzo.

You are creative and driven, with an interpersonal savvy that allows you to develop lasting relationships with candidates, recruiters and hiring managers. You're also comfortable with numbers and drawing insights from analytics to make our hiring process smarter and more efficient. From generating pipelines to enriching the search process with market and talent insights, you are confident in a room with senior stakeholders advising on talent and market trends and taking ownership of candidate pipelines. It’s really important that you are adept at keeping an eye on market trends, bringing in-depth credible knowledge and research to every process. Organised and thoughtful in your approach, you will work across multiple collectives and so curiosity and an ability to learn quickly is key. You are data-led, always looking to iterate for process improvement and experienced at designing thorough and creative search strategies. By leveraging your knowledge of our clients' hiring needs and search requirements, you effectively match candidates with the roles in which they will be most successful.

The Executive & Board Recruitment team at Monzo is an exciting and focused group - supporting all hiring at ExCo and Board level, across all parts of the organisation. Our work is focused solely on the most critical leadership roles. You work closely with our Boards, ExCo, and other leaders across every function. 

To be part of this team takes a special person. We are trusted advisors to the leadership at Monzo with a deep understanding of the external talent landscape. With a strong perspective on the external talent landscape and deep insights into Monzo’s business priorities, you will develop search strategies and lead engagements to position Monzo for success today and well into the future.

At Monzo, our bar is high; your job is not to just find the most highly-skilled talent on the market, but also those that will work well in the incredibly unique and valuable Monzo culture. You have the drive, motivation and passion to disrupt the talent landscape and deliver incredible client and candidate experience. Most importantly, you will have the intellectual curiosity, problem solving capability and drive to build a qualified, representative leadership bench at Monzo.

🔑You’ll play a key role by...

As a Senior Executive Researcher on the Executive & Board Recruitment team at Monzo, you will act as a trusted adviser on finding and hiring leadership and board talent who will help build, and deliver our innovative products that make money work for everyone. We are seeking creative, analytical and resourceful individuals with a passion for research and developing relationships, and who have the ability to listen and understand the goals of candidates and our hiring teams. You will play the role of a senior talent scout, tapping into various tools and resources to uncover the best talent in the market and matching them with the roles to which they are best aligned.

• Leading the design of Monzo’s executive sourcing framework — setting standards for research, mapping, and candidate engagement.
• Partnering with Executive Recruiters on live searches, co-owning the sourcing and research strategy, and ensuring smooth collaboration.
• Designing and embedding a framework for recruiter-sourcer partnership (e.g., role kick-offs, milestone check-ins, stakeholder touchpoints, feedback loops).
• Building succession pipelines for C-suite and board roles, prioritising where you spend your time for impact.
• Creating and maintaining in-depth market maps of leadership talent in market, and adjacent industries.
• Acting as a trusted research advisor to recruiters and senior stakeholders, bringing deep market insights and competitive intelligence.
• Championing diversity and inclusion by ensuring all pipelines and market maps reflect Monzo’s values and DE&I goals.
• Building and maintaining long-term relationships with senior leadership talent for both immediate and future opportunities.
• Contributing to projects that establish Monzo as a benchmark for executive and board hiring excellence.
• Innovate to improve the efficiency and effectiveness of our systems and processes - not just incremental improvements, but also “moon shots” that fundamentally change how we approach executive search at Monzo.

🤩 We’d love to hear from you if…

• You have significant experience sourcing and researching at the executive or board level, either in-house or in a top-tier executive search firm.
• You’ve led or built sourcing/research frameworks and want to apply that expertise to continue to shape an inhouse function.
• You’ve been involved in succession planning or proactive pipeline building for senior leadership roles.
• You have a track record of partnering effectively with executive recruiters, and ideally have experience shaping recruiter-researcher ways of working. You are a collaborative team player, with a track record of maximizing team as well as individual performance.
• You’re as comfortable designing strategy as you are executing the research behind it. You are highly experienced in creating search strategies, mapping markets, gleaning industry insights and being a champion of process and data quality.
• You bring credibility, discretion, and gravitas when partnering with senior stakeholders, bringing a high level of personal accountability, integrity and authenticity in everything you do. 
• You care deeply about diversity, inclusiveness, and delivering an exceptional candidate experience.
• You’ve worked in-house in a high-growth business and/or have exposure to financial services or technology industries, with ideally a passion for Fintech.
• Learning agility to get up to speed quickly on new markets and to run a thorough, best-in-class search process, including candidate research, outreach, engagement, and evaluation.

Personal Profile:

• You are passionate about Monzo’s mission of making money work for everyone.
• You have an entrepreneurial mindset, not afraid to challenge the status quo.
• You have the capability to think long-term and help shape our executive & board research strategy in line with global expansion objectives.
• You’re analytical, data-driven and thrive solving complex problems.
• You will have exceptional skill in articulating a search strategy and communicating market and candidate insights to a wide range of audiences and stakeholders. 
• You thrive with a high level of autonomy and responsibility.
• Demonstrated ability to creatively develop diverse pipelines, promoting an inclusive work environment.

🙌 What’s in it for you

💰 Competitive salary range ➕Incentive Awards tied to your performance.

⏰ 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

• Recruiter Call
• Initial Call with Hiring Manager
• Two Loop stage 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.

#LI-DH1 

📍London, Cardiff or Remote | 💰 £86,000 - £100,000  + Incentive Awards tied to your performance + Benefits | Hear from the team ✨

⭐Our Risk & Compliance team

At Monzo we do things differently: we truly care about providing a phenomenal experience for our customers. We believe there’s a better way to do banking, and we want to be the best possible (fully compliant!) bank without getting stuck in the old ways of doing things. 

We’re looking for a Senior Compliance Advisory Manager to join our second line of defence (2LoD) Compliance Team as part of our Risk and Compliance Collective.We’re looking for a pragmatic, collaborative and experienced senior compliance manager with deep knowledge of FCA rules and associated regulations, who is passionate about Monzo's mission to make money work for everyone.

This role will have day-to-day responsibility for advising on compliance matters associated with Monzo’s Borrowing Collective covering primarily Homeownership (mortgage credit broking) as well as supporting on our unsecured products (loans, overdrafts, Flex) reporting directly to Monzo’s Head of Compliance Advisory.

This role will partner directly with our Product teams to ensure we fulfil our Consumer Duty requirements, launch products safely and meet our regulatory compliance obligations. This will require experience of advising on FCA requirements as well as a grounding in the wider retail banking and payments landscape and requirements. 

🔑 You’ll play a key role by...

• Working proactively and closely with the Product teams in Borrowing to provide clear and accurate technical compliance advice across a number of areas (FCA Handbook primarily, though not exclusively, MCOBS, CONC, PRIN).
• Providing compliance advice and guidance on financial promotions, supporting both the Marketing and Financial Promotion teams.
• Building and maintaining proactive, effective and constructive relationships with fellow Compliance team members, supporting the Compliance Leadership and regularly liaising with first line Risk, Legal and Audit.
• Supporting the vision, strategy and direction of Conduct and Compliance Advisory, consistent with the CRO’s broader strategy for the Risk, Compliance and Financial Crime Collective.
• Promoting the culture and practice of compliance within Monzo through training, coaching and constructively challenging first line colleagues. 
• Challenging our policies and procedures to make sure that we’re providing great customer outcomes and meeting regulatory requirements.
• Collaborate with the wider Compliance team in creating and updating compliance policies and procedures to reflect current regulatory requirements.
• 2LoD support and oversight on Regulatory Breach and Incident Management.
• Exploring new ways to streamline, automate and enhance Monzo’s approach to compliance and conduct risk management.
• Delivering continuous improvement to the function and helping to create a Compliance ‘centre of excellence’.

This role requires strong communication & collaboration skills with a ‘ hands-on ’ approach, to ensure that regulations are fully understood, our products are ‘compliant by design’ and our customers' needs are being met.

🤩 We’d love to hear from you if…

• You have in-depth knowledge of Mortgage Conduct of Business (MCOB) rules and solid experience advising on regulatory requirements for mortgages broking including mortgage and protection advice.
• Have a strong understanding of Consumer Duty.
• CeMAP qualification not essential but could be advantageous.
• You have gained hands-on regulatory experience and practical understanding of relevant regulation having ideally spent time in house at a bank, and/or financial technology company advising on regulatory conduct compliance matters.
• You like to be where the action is and thrive in fast paced environments where you can take the lead and shape new products and initiatives by building strong, mutually respectful relationships.
• You are a strategic thinker, a strong communicator and a keen problem solver who knows how to assess risk and recommend solutions that balance business and risk perspectives.
• You have working knowledge of the role of the Risk and Compliance function within the 3 lines of defence model.
• You're self-motivated, highly organised and focused on executing well.
• You're able to work independently and with changing priorities.
• You’re able to build strong, mutually respectful relationships with diverse teams.
• You have a genuine interest in the role of Compliance and recognise the value of compliance being a competitive advantage in a business like Monzo.
• You have a passion for compliance and are excited about the future of banking and want to work with us to shape it.
  
  

  The Interview Process:

  Our interview process involves three main stages: 

  1. Recruiter Call (30mins)
  2. Initial Call (30 mins)
  3. Final stage (x3 interviews) consisting of a case study, role specific interview, and collaboration interview

  Our average process takes around 3-4 weeks but we will always work around your availability. 

  🙌What’s in it for you

  💰£86,000 to £100,000 + Incentive Awards tied to your performance ➕ benefits

  📍This role can be based in our London or Cardiff offices, 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.

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

  #LI-TK1  #LI-Remote

📍 Cardiff| 🏢 Minimum 3 days a week in office

Marketing at Capital On Tap🚀

This team owns our online marketing, SEO, AIO, customer communications, PR, social media, brand positioning, website, and any above-the-line activity.

The Role

We're looking for a (Junior) CRM & Communications Officer to join our Marketing team in Cardiff. This is a more junior role for someone who wants to learn how modern marketing actually works, with the chance to work on campaigns going out to hundreds of thousands of real customers.

You'll be working alongside our Growth Associate and Marketing Manager, learning how to build and send email and SMS campaigns, how to use data to target the right customers with the right message, and how to measure whether it's working. You'll be supported and trained, but you won't be handed a task list. If you're the kind of person who wants to figure things out, get things done, and see the impact of your work quickly, this is the role for you!.

What you'll be doing

• Build, test, and send email and SMS campaigns using our CRM platform, Customer.io. 
• Draft and proofread communications, ensuring customer communications are clear and on-brand.
• Keep a content calendar across customer communications so nothing falls through the cracks.
• Work with teams across the business (Product, Operations, Credit etc.) to gather what customers need to know. 
• Learn how to analyse campaign data, build audience segments, and run A/B tests to keep improving what we send.
• Help prepare performance reports and flag what's working and what isn't.

What we are looking for

We care more about how you think than what you've already done. Up to 12 months of any commercial experience is fine - the specifics matter less than the mindset.

• Genuine curiosity about how things work.
• Excellent writing. You care about words, you edit your own work, and your emails are clear and punchy.
• Comfort with data (you don't need to be technical, but numbers shouldn't scare you!)
• Clear drive to learn fast and take ownership of your work.

Nice to have

• Experience with any CRM or email marketing platform is a big plus (e.g Customer.io, Braze, Hubspot), but a proactive willingness to learn is essential.

What you get in return

✨The opportunity to deliver high-impact projects that will have immediate and noticeable impact on our business
📈A competitive salary and meaningful career progression
🏥  Private Healthcare, Worldwide Travel  Insurance and Dental Cover through Vitality
🎁  Anniversary Rewards (£250, £500, £750, 4-week Fully Paid Sabbatical)
👛  Salary Sacrifice Pension Scheme up to 7% match
🏖️  28 days Holiday (Plus Bank Holidays)
📖  Annual Learning Budget
👪  Enhanced Parental Leave
🚲  Cycle to Work Scheme
🚂  Season Ticket Loan
💬  6 Free Therapy Sessions Each Year
🐶  Dog Friendly Offices
🍫  Free Drinks and Snacks In Our Offices

Interview Process
✨ 30m initial interview with Talent Partner
✨ 45m interview with Marketing & Communications Senior Manager - technical questions and CV walk through
✨ Take Home Task, followed by 1hour final stage interview with Marketing & Communications Senior Manager and CCO

📍London | UK remote | 💰 £100,000 to £160,000 (dependent on level) + Benefits | Hear from the team

About us:

At Monzo we want to make money work for everyone. We care deeply about our 15+ million customers. Our products are different by design: through magically simple products and actionable insights, we put our customers in control of their finance.

Our range of borrowing products serve the important needs of our customers and are critical to Monzo’s mission. We have seen stellar growth and deep engagement with millions of borrowers, supported by effective credit risk and machine learning expertise. Our product portfolios are still expanding fast, from personal to business credit, and to markets beyond the UK. We are looking for bright, passionate and creative individuals to further accelerate our growth.

About the role:

The mission of Borrowing Machine Learning Scientists is to improve the customer and business outcomes through better automated decisioning, using Machine Learning and statistical modelling. We have a primary focus in credit risk modelling, with our expertise also applied to predict and optimise utilisation, pricing, collection and marketing.

You will be taking a hands-on technical leadership role, managing a small team of Senior ML Scientists. With in-depth knowledge and experience in the credit industry, you’ll drive innovations by identifying new opportunities of data and ML applications, and delivering business values across multiple Borrowing products. You’ll have a close relationship with leaders across Credit Strategy, Products, Model Validation and Engineers, with whom you will drive and influence strategic decisions and product roadmaps. You’ll also have the opportunities to work with external data suppliers and industry peers, to push the innovation frontiers for the credit industry.

With excellent technical skills, you’ll also spearhead the continuous development of our toolings, methodologies, and processes, to empower the team to build better models easier and faster. You’ll serve as the champion for the quality and efficiency of model development, and ensure safe and scalable growth of our model portfolio. You’ll also have plenty opportunities to work with other modelling teams across Monzo, to collaborate on the best practices and latest technologies.

Our technology stack

We rely heavily on the following tools and technologies (although we do not expect applicants to have prior experience of all them):

• Google Cloud Platform for all of our analytics usages
  • BigQuery SQL and dbt for our data modelling and warehousing
  • PyData stack for model development and offline deployment
  • Google AI platform for cloud computing
• AWS for backend infrastructure
  • Python for ML model microservices
  • Go lang for most other microservices
• AI toolings for productivity (an evolving list)
  • Google suites including access to Gemini
  • ChatGPT enterprise
  • Claude code

You should apply if:

• You are result oriented and motivated by the impact on our customers and business
• You thrive in a fast-paced environment and comfortable with frequent context switching
• You enjoy both the strategic thinking and influence, as well as hands-on solving technical problems
• You want to build trust and influence a diverse range of leaders and stakeholders
• You like inspiring people around you, with innovative thinking and high standard execution

You must have:

• Excellent technical skills in Python, SQL, and statistics
• Extensive knowledge of the credit industry, including the products, data, typical ML applications, and related regulations
• Hands-on experience across the lifecycle of credit risk models, including project scoping, data curation, model optimisation, performance analysis, deployment, monitoring, and diagnosis
• Successful track record of managing complex projects, with cross-functional teams and senior stakeholders
• Experience of mentoring and coaching senior ICs
• Previous experience of managing data and model governance in a regulated business

The Interview Process

• 30’ Recruiter Call
• 45’ Initial Call
• 60’ ML technical skill interview
• 60’ People Leadership interview
• 60’ Product ML interview
• 60’ Project deep dive

All interviews will be conducted through Google Meet.

What’s in it for you:

💰 £100,000 to £160,000 ➕  & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be either based in our London office with hybrid working pattern, or fully remote within UK with occasional travel to London.

🏡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.

⏰ 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

Join Our Team of Elite In-Home Personal Trainers - Empower Lives through Fitness!

BENEFITS/PERKS

• Work-life balance: Design your own schedule and choose the clients you prefer to work with.
• Freedom to succeed: No non-compete agreements, giving you the flexibility to work where and when you want.
• Competitive rates: Earn $25 to $45 per hour, rewarding your skills and dedication.
• Bonuses and rewards: Enjoy retention bonuses, client referral bonuses, and trainer referral bonuses.
• Liability insurance: Your safety and peace of mind are our priority, with comprehensive coverage through the Svetness General Liability policy.
• Customer support team: Focus 100% on your clients' goals while our dedicated concierge handles client requests and scheduling changes.
• Education and growth: Access free ongoing education resources, including live education webinars, and receive ongoing manager support to elevate your expertise.
• Fitness equipment discounts: Enjoy a 30% discount on fitness equipment to enhance your training programs.
• Partner programs: Access to discounts to your favorite lifestyle brands (Meal Prep, Supplements, etc)
• Warm client base: We bring clients directly to you, eliminating the need for selling or marketing efforts.
• Svetness App: Utilize our free app to easily track client progress, manage communications, and enter measurements seamlessly.

RESPONSIBILITIES

The Certified Personal Trainer will be responsible for providing one-on-one and couples personalized fitness instruction in person to clients at their home, apartment gym or outside while encouraging them to reach their fitness goals. Responsibilities are as follows:

• Customize client workout programs developed from the Initial Assessment
• Utilize the Svetness Fitness App for all client sessions, including programming & session notes
• Demonstrate each exercise and ensure client is performing correctly with or without modifications
• Conduct client Reassessments every 4-6 weeks
• Maintain client session appointments through Svetness scheduling software
• Able to provide a flexible schedule to accommodate client appointments
• Able to commute to and from client sessions up to 45 minutes

QUALIFICATIONS

• Certified Personal Trainer: Accredited by NCCA, DEAC, or NBFE.
• CPR/AED Certification: Ensure clients' safety with up-to-date CPR/AED training.
• Education and experience: High school diploma or GED equivalent and 1-3 years of personal training experience.
• Strong communication skills: Effectively communicate verbally, in writing, and technically.
• Knowledgeable in nutrition: Possess a basic understanding of nutrition and healthy living practices.
• Fitness expertise: Familiarity with a variety of exercise equipment and personal training methods.
• Physical ability: Capable of lifting, pushing, pulling up to 50 lbs. and performing athletic calisthenics duties.
• Requirements for this position include the possession of personal basic training equipment to effectively assist clients in achieving their goals. It is important to note that clients may not always have access to the necessary equipment.
• Reliable form of transportation