📍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 (Hybrid) or UK Remote | 💰£75,000 - £95,000 + Incentive Awards tied to your performance + Benefits ✨

⭐Our Design Team

We’re a team of 100+ designers, researchers, and brand experts led by Chief Design Officer Vuokko Aro. We’re on a mission to make money work for everyone.

We’re seeking an experienced and versatile Lead Brand Designer with a strong portfolio in branding, art direction and creative ideation.

In this role, you’ll shape Monzo’s visual identity, deliver high-quality design solutions aligned with strategic goals, and drive innovative ideas as a conceptual thinker. Your designs will combine creativity and vision, ensuring they’re both compelling and rooted in strong concepts.

As part of our dynamic internal creative studio, you’ll collaborate with designers and writers, exchanging feedback and raising design standards. Working closely with the Creative Director, you’ll ensure consistency and evolve the Monzo brand by partnering with product designers, marketing teams, and external agencies.

Key projects include refining brand guidelines, developing motion storyboards, creating campaign assets, collaborating on web designs and product designs, and elevating internal design projects.

🔑You’ll play a key role by...

• Creative Leadership: Leading and overseeing end-to-end projects, from ideation to execution, working collaboratively with cross-functional teams, including marketing, product design, and engineers. You will need management skills to manage a small team of designers, by guiding and supporting them with our internal levelling frameworks.
• Mentoring and providing guidance to designers, fostering a collaborative and productive team environment. Run design critiques and help others navigate projects with cohesive and thoughtful feedback. 
• Brand Guardian: Guide external agency partners on all things design and creative concepts.
• Brand Design: Develop, evolve and maintain brand identities, ensuring consistency across all touchpoints.
• Hands-on Design: Figma FIRST. Roll up your sleeves and contribute directly to the design work, whether it’s crafting a standout campaign, refining our typography, or animating assets.
• Typography: Utilise expert knowledge of typography to create visually appealing and readable designs.
• Collaboration and Communication: Work closely with cross-functional teams, including marketing, product development, and project management, to deliver cohesive design solutions.
• Creatively concept art direction and motion for in-app experiences with product teams.

🤩 We’d love to hear from you if…

• You have a proven track record in design roles, with a strong portfolio demonstrating branding, art direction, product design, advertising campaigns and typography.
• You have experience in managing designers and leading design projects. 
• You demonstrate proficiency in design software such as Adobe Creative Suite (Photoshop, Illustrator, After Effects), Figma is a must. Motion skills, 3D programs, AI tooling, are a plus.
• You have excellent communication skills and the ability to articulate design concepts to both internal teams and senior management.
• You can manage multiple projects simultaneously and meet tight deadlines.
• You have experience in fast-paced tech startups or creative agencies working on global brands.
• You have experience in additional areas like web design, print design, storyboarding, art direction, film, and illustration.
• You’re obsessed with strategically designing within a brand, and have strong skills with evolving within a brand guideline. 

🙌What’s in it for you

💰£75,000-£95,000 + Incentive Awards tied to your performance

📍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!

🌈 The application journey has 3 key steps

30-minute call with our Recruiter, Tom
1-hour craft interview where you’ll present a single case study to 2 members of our Brand Design team
1-hour interview covering values & ways of working

To help us understand your skills and experience, we kindly ask that you include both your CV and a portfolio showcasing your work. 

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

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

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-TR1

#LI-Remote

📍London or Remote (UK)  | 💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

Our team:

Our Borrowing collective is growing across Personal Loans and Financial Health. We’re building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money.

Personal Loans provides simple, transparent borrowing, while Financial Health focuses on sustainable growth and better customer outcomes.

As part of the team, you’ll develop and optimise unsecured credit risk and pricing strategies, partnering closely with Product, Engineering, and Data to build profitable portfolios and outstanding customer experiences.

If you’re excited by data-led decision-making, experimentation, and shaping the future of modern lending, we’d love to hear from you.

Your day-to-day:

• Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Monitoring the performance of our existing strategies, and iterating to improve them
• Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes
• Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions
• Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions
• Supporting the design and roll-out of new products and customer journeys
• Assessing how the lending portfolio of particular products will perform over time

How we work:

Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.

We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.

We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.

Work the way that works for you at Monzo! 💼

You should apply if:

• You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.)
• You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
• You have an understanding of lending economics and have experience developing and deploying underwriting strategies
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
• You have a working understanding of the regulations that apply to lending in the UK.
• You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points
• You have some experience in project management and coordination across teams
• You work well collaborating in a team with diverse skill-sets and personality types
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

We're on the look out for Credit Analysts (L30) at the moment, you can read more in our Data Progression Framework

The interview process:

Our interview process involves 4 main stages:

1. Recruiter call
2. Initial call
3. Take home task
4. 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:

💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits 

✅ 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

#LI-LG1  #LI-Remote

📍London or Remote (UK)  | 💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

Our team:

Our Borrowing collective is growing across Personal Loans and Financial Health. We’re building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money.

Personal Loans provides simple, transparent borrowing, while Financial Health focuses on sustainable growth and better customer outcomes.

As part of the team, you’ll develop and optimise unsecured credit risk and pricing strategies, partnering closely with Product, Engineering, and Data to build profitable portfolios and outstanding customer experiences.

If you’re excited by data-led decision-making, experimentation, and shaping the future of modern lending, we’d love to hear from you.

Your day-to-day:

• Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Monitoring the performance of our existing strategies, and iterating to improve them
• Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes
• Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions
• Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions
• Supporting the design and roll-out of new products and customer journeys
• Assessing how the lending portfolio of particular products will perform over time

How we work:

Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.

We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.

We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.

Work the way that works for you at Monzo! 💼

You should apply if:

• You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.)
• You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
• You have an understanding of lending economics and have experience developing and deploying underwriting strategies
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
• You have a working understanding of the regulations that apply to lending in the UK.
• You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points
• You have some experience in project management and coordination across teams
• You work well collaborating in a team with diverse skill-sets and personality types
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

We're on the look out for Credit Analysts (L30) at the moment, you can read more in our Data Progression Framework

The interview process:

Our interview process involves 4 main stages:

1. Recruiter call
2. Initial call
3. Take home task
4. 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:

💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits 

✅ 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

#LI-LG1  #LI-Remote

📍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/Cardiff/UK Remote | 💰circa £110k + Incentive Awards tied to your performance + Benefits  ✨

⭐Our Legal team

We're looking for a Senior Legal Counsel, Commercial, IP & AI to join our UK Legal team at Monzo and help us build one of the best, most innovative banks in the world. 

You will report to Monzo’s Principal Legal Counsel, Commercial, IP & AI in the UK Legal team, which forms part of our wider Legal & Board Governance Collective. 

This role will have day-to-day responsibility for advising on commercial contracts, IP & AI matters for our UK business.  You’ll lead on a wide range of legal matters with opportunities for growth in role as the business scales.

In this role, you will work at all levels in the organisation and in close partnership with a wide-range of stakeholders including our Marketing, Procurement, Third Party Risk Management, Data Protection, Security, Risk & Control and Compliance teams.  Your clients will span all collectives of Monzo’s business, from Operations to Brand and everything in between.

No two days are the same in Monzo’s Legal team. This is not your typical legal role; so we’re not looking for a typical person.

On any given day you may be advising on a sports sponsorship, or the launch of the Monzo book, or a material outsourcing agreement, or the implementation of artificial intelligence technology - you’ll need to be curious and keen to learn.

Ultimately, we’re looking for a collaborative problem-solver with exceptional technical expertise who is willing to roll up their sleeves to help deliver products and services that delight our customers, raise standards, and contribute to our mission.

If this sounds like you, then please get in touch. 

🔑You’ll play a key role by acting as a trusted legal adviser…

• Leading on commercial contracts, including:
• directly drafted and negotiated yourself; and
• supported by our experienced panel of commercial legal contractors, whose work, delegated by you, you will supervise.
• Working (as part of the UK Legal team) alongside our colleagues in our Group Commercial Legal team on:
• developing and implementing processes and procedures to increase the efficiency and scalability of commercial legal advice across Monzo, including workflows, playbooks and precedents, and the use of new technologies; and
• delivering training, sharing insights from your work, and helping educate others on commercial contracts.
• Supporting the delivery of our intellectual property strategy (including working with our external advisers on clearance searches, registrations and oppositions).
• Being a subject matter expert on AI related matters (including the regulation of and contracting for AI).
• Managing relationships with our external legal counsel and alternative legal service providers and contractors, ensuring we are optimising our legal spend for greatest impact.

🤩 We’d love to hear from you if…

• You have around 5 years plus of relevant post qualification experience (or equivalent), having ideally spent time in private practice, and/or in-house at a high-growth technology company, and/or in-house at a bank and/or other financial institution.
• You have deep experience in all aspects of contract law, and have a genuine interest in commercial contracts; it’s not just your job but something you’re proud to be a geek about.  You’re comfortable explaining the difference between contract terms (conditions, warranties, indemnities, and representations) and negotiating your way through tricky legal issues including service credits, service levels, termination rights and liability provisions, among others.
• You have some experience advising on intellectual property related matters (copyright and trade marks in particular).
• You have some experience in artificial intelligence, particularly key legal issues related to the use of generative artificial intelligence.
• You have familiarity with the use of legal technology, including generative AI systems and contract lifecycle management platforms.
• You have some experience of financial services regulation as it relates to commercial contracts (such as material outsourcings, digital operational resilience and operational continuity).
• You have some experience in the transactional elements of data protection, including negotiating data sharing agreements, data processing agreements, and standard contractual clauses.
• You are a strategic thinker, a strong communicator and a keen problem solver who can recommend solutions that balance business and risk perspectives.
• You are willing to jump in and handle a wide range of legal issues that may arise even outside your core areas of expertise in an enthusiastic, proactive, and resourceful manner, and can sensibly assess when best to engage external counsel in a cost-effective way.
• You are comfortable operating at all levels of the organisation and liaising with a variety of internal and external stakeholders.
• You enjoy horizon scanning, proactively assessing risks, and quickly identifying and independently implementing mitigating actions. 
• You have a dynamic and entrepreneurial approach and are comfortable with the ambiguity of a fast-paced and rapidly-evolving environment.
• You welcome diverse perspectives, think rigorously and critically and aren’t afraid to challenge assumptions.
• You have an open and curious mind, are passionate about the intersection of banking and technology and are excited to join us for the next stage of our journey at Monzo!

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 an inclusive 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! 

PQE is a guide only.

🙌 What’s in it for you

💰c. £110,000 base salary (dependent on experience) + Incentive Awards tied to your performance + Benefits 

✅ 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

🌈 The application journey has 3 key steps

• Recruiter call (potentially followed by an initial call with Principal Legal Counsel - Commercial, IP & AI)
• First stage 1 hour role specific interview
• Second stage 1 hour behavioural interview

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’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

#LI-DH1 #LI-REMOTE

📍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

📍London/Cardiff/UK Remote | 💰 £86,000-105,000 + Incentive Awards tied to your performance + 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. Through magically simple products and actionable insights, we put our customers in control of their finance. Our products are different by design, and reliable at our core.

Our range of borrowing products are critical to Monzo’s mission. Not only do they serve important needs of our customers, they are also a key revenue driver to support Monzo keep delivering great products and experience. We have seen stellar growth and deep engagement with millions of borrowers, supported by effective and efficient credit risk management. Our product portfolios are still expanding fast, from personal to business credit, and markets beyond UK. We are looking for bright, passionate and creative individuals to further accelerate our growth.

About the role

The mission of Borrowing ML 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 working alongside a team of very experienced and highly efficient ML Scientists, with well established toolings for the fully lifecycle of ML models. Each of you owns multiple ML applications end-to-end, from experiment design and data curation, to deployment and monitoring. You will be empowered to innovate in the data, methodologies and toolings, so we can build better models easier and faster.

You will have exposure to all Borrowing products and applications, with autonomy to decide what are the most impactful topics to work on, and how to deliver them. You will work closely with our Credit Strategy Managers, Model Validation Analysts, Backend Engineers, and Product Managers, to fit your model development into the product roadmap. You are also empowered to think big about the business, market and customers, to influence our product and credit strategy beyond just the world of models.

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 Vertex 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 enjoy a high degree of autonomy and thrive in a fast-paced environment
• You are keen to grow your knowledge in both business and technology

📌 You must have:

• Excellent SQL and Python skills with good understanding of best practices in software engineering and data engineering
• In-depth knowledge of statistical and machine learning models: gradient boosted trees, logistic regression, neural networks, survival analysis, etc
• Solid knowledge of statistics: hypothesis testing, confidence intervals, bootstrap
• Experience of end-to-end model development and maintenance of ML models used for business critical automated decisioning, in a consumer facing industry
• Great attention to details while keeping an eye on the big picture
• Excellent communication skills to articulate complex problems
• Capability to build mutual respect and trust with people of different background

Nice to have:

• Experience in UK/EU retail lending businesses for personal/business customers
• Experience of ML model governance in a regulated industry
• Experience in leverage modern day AI tools for productivity

The Interview Process:

Our interview process involves:

• 30’ Recruiter Call
• 45’ Initial Call
• 60’ ML technical skill interview
• 60’ Behavioural interview

All interviews will be conducted through Google Meet.

What’s in it for you:

💰 £86,000 to £105,000 ➕ plus stock options & 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 travels 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

#LI-DC2  #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 Marketing Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our marketing strategy 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 Marketing, Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. This role is within our Marketing function within Growth.  Join us and be part of shaping our future!

What you’ll be working on 

You will work together with other data scientists, analysts and analytics engineers as well as marketing managers on powering our marketing function within Growth. Our key goal is increasing volume and value.

Your day-to-day   

• Applying your expertise in marketing analytics, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our marketing campaigns and how those insights can inform our marketing strategy
• Guide and enable the performance marketing and brand team to measure things that matter; initiate or help run geo-lift experiments to keep improving everything we do
• Build and apply our marketing measurement and forecasting solutions to optimise and drive growth.
• Drive together with the finance team a unified company-wide understanding of the lifetime value of our new users and how different marketing campaigns are impacting user profitability
• Liaise with engineers to keep making sure we collect the right marketing measurement data to produce relevant business insights

You should apply if:

What we’re doing here at Monzo excites you!

• You’re passionate about marketing science and understand the causal impact marketing campaigns can have
• 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 geo-lift or 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 £90,000 + 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