Lead Product Manager, Payments

Were on a mission to make money work for everyone.

Were waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card our product offering has grown a lot in the last 10 years in the UK. As well aspersonal and business bank accounts we offer joint accounts accounts for 16-17 year olds a free kids account and credit cards in the UK with more exciting things to come beyond. Our UK customers can also save invest andcombine their pensions with us.

With our hot coral cards and get-paid-early feature combined with financial education on social media and our award winning customer service we have a long history of creating magical moments for our customers!

Were not about selling products - we want to solve problems and change lives through Monzo

Payments is at the heart of Monzo. Its how our customers move receive spend and manage their money from cards and bank transfers to cross-border payments merchant acquiring payment experiences in the app and the platform infrastructure that underpins the whole bank.

This role sits in our Payments Platform area working most closely with our Finance Infrastructure squad. The squad sits in Payments but partners deeply with Finance teams to build the systems abstractions and capabilities Monzo needs to operate safely scale efficiently and expand into new markets. Youll work on foundational financial infrastructure: the ledgers data controls reporting reconciliation and platform capabilities that help Monzo understand account for and manage money across the bank.

This is a role for someone who gets genuinely excited by complex technical infrastructure. The work is often behind the scenes but its business-critical: it helps Monzo scale launch new products and markets support Finance and keep the bank running safely.

• Defining the product strategy and roadmap for Finance Infrastructure within Payments Platform.
• Partnering closely with Engineering Finance and Payments leaders to understand what Monzo needs from its financial systems today and as we scale.
• Moving the team from reactive delivery towards a more strategic product-led approach asking why were building things what good looks like and how todays choices support Monzos long-term needs.
• Translating complex finance accounting operational and regulatory needs into scalable platform capabilities.
• Prioritising across competing stakeholder needs balancing urgent delivery with long-term system health.
• Helping Monzo build financial infrastructure that can support multiple products entities countries currencies and regulatory environments.
• Building trusted relationships with senior stakeholders across Finance Engineering Product and Operations.
• Bringing strong product discipline technical curiosity and systems thinking to a space that is critical to Monzos future growth.

• Youre a strong senior Product Manager with experience owning complex technical platform infrastructure or financial systems.
• You have enough technical depth to partner credibly with engineers and reason about systems trade-offs dependencies and long-term architecture.
• Youre excited by boring but critical infrastructure things like ledgers reconciliation financial data controls reporting internal platforms abstractions or backend systems.
• You can work with senior and cross-functional stakeholders including Finance Engineering Product and operational teams.
• Youre comfortable bringing product thinking into ambiguous or stakeholder-heavy environments and moving teams from request-led delivery towards long-term strategy.
• Youre high-agency ambitious and excited to stretch yourself in a team with a high bar.
• You care about customers and business outcomes even when the work is several layers removed from the end customer experience.
  
  

Not ticking every box Thats totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo were dedicated to creating a diverse and welcoming team. If youre passionate about this role and keen to learn and grow with us we encourage you to apply even if you dont have everything thats listed just yet. Drop us your application wed love to hear from you!

125000 - 145000 Incentive Awards tied to your performance equity

Well help you relocate to the UK.

We can sponsor your visa.

This role is hybrid working from our London office

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.

1000 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.

• First stage - Meet with our Collective Product Director
• Second stage - Meet with our Engineering and Finance leadership
• Third stage - Product full loop

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.

Well 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 dont miss out.

If youd prefer to work part-time please let us know and well make this happen if we can.

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Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

Were 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 dont need full or birth names at application stage