Jobs at Monzo Bank

Provide legal advice and commercial guidance on payments, digital assets and emerging payment technologies. Act as a legal business partner to product, engineering, risk and compliance teams; identify and mitigate legal and regulatory risks; support UK and EU regulatory compliance; deliver training; improve legal workflows and technology; and manage relationships with external law firms and suppliers.

The Senior Product Marketing Manager will shape global propositions for Monzo's Borrowing products, lead product launch strategies, and collaborate with cross-functional teams to ensure market success and compliance with regulatory requirements.

Own and optimise paid social acquisition across Meta, TikTok, Snap, Reddit and Pinterest. Shape strategy, manage budgets, run experiments across creative/audiences/bidding, partner with Brand/Product/Data/Engineering, ensure FCA compliance, use MMPs and Looker, and mentor junior colleagues.

Lead product marketing for a multi-product Collective: set one-year strategy, drive market intelligence, shape product strategy and positioning, own launch sequencing and briefs, embed product-market fit into squads, and coach/raise standards for a small team. Partner with Integrated Marketing to translate propositions into go-to-market execution across UK and European markets.

Support Monzo's strategic risk oversight by translating macroeconomic trends into quantitative and qualitative risk insights. Build and maintain strategic risk dashboards, produce executive-level reports, ensure data quality, run deep-dive research, support ERMF processes, and deliver training and documentation across the business to inform senior decision-making.

The Lead Product Designer will tackle complex design challenges, define product visions, enhance design systems, and collaborate across teams at Monzo. They are expected to lead projects, mentor team members, and improve customer-centric solutions using innovative design methodologies.

Lead credit strategy for credit card products by designing underwriting and limit approaches, analysing portfolio performance and profitability, building NPV and forecasting models, developing segmentation, running deep-dive analyses, partnering with Product/Engineering/Data teams, and presenting recommendations to senior stakeholders while ensuring regulatory and governance alignment.

Lead technical development and production deployment of advanced ML solutions (including LLMs, RAG, graph and sequence models) to improve customer operations. Provide hands-on engineering, mentor ML engineers, collaborate with product and backend teams, and drive MLOps and lifecycle strategy to route, disambiguate and resolve customer queries at scale.

Provide second-line compliance advice across Wealth, Growth & Marketing and MonzOS, with primary responsibility for Investments and Pensions. Advise on COBS, PROD, SDR, CASS and Consumer Duty; review customer journeys and financial promotions; oversee regulatory incidents; collaborate with product, marketing and platform teams to ensure compliant product design and good customer outcomes.

Develop and maintain credit models and underwriting strategies for unsecured lending, monitor portfolio performance, build dashboards and data tables, translate data insights to inform product and pricing decisions, and collaborate cross-functionally to support product rollouts and regulatory-compliant lending.

Lead technical development and production deployment of ML models for search, personalization, ranking, and recommendations. Build scalable, explainable ML solutions, own end-to-end impact, collaborate with backend and product teams, and iterate on experiments using cloud-native data at scale.

Lead technical ML efforts to detect and prevent financial crime by designing, developing and shipping production deep learning, graph and sequence models. Provide IC technical leadership, mentor peers, work with product, engineering and MLOps to iterate models on a cloud-native platform, and measure production impact while minimising false positives and operational costs.

Lead and develop a team of ML specialists to deliver production ML systems for fraud and financial crime. Set priorities, ensure model lifecycle practices (development, deployment, monitoring, governance), partner with Product, Risk, Engineering and Data, and raise standards for performance, explainability, reproducibility and observability while building an inclusive high-performing team.

Manage the day-to-day operations with third-party suppliers to ensure exceptional customer service delivery. Collaborate with internal teams to improve performance and efficiency while focusing on supplier relationships and governance.

Own day-to-day delivery of people governance and accountability frameworks (SMCR, IAF/SEAR), translate regulatory requirements into practical processes, drive continuous improvement, coordinate cross-functional stakeholders, support audits and regulatory engagement, and use data to identify risks and prioritise improvements.

Lead a team of Credit Analysts to build and evolve Monzo's Credit Platform, including NPV modelling infrastructure and decisioning capabilities. Define platform roadmap, partner with Product, Engineering, Data and ML teams, and drive scalable credit strategies across products and markets.

The Team Manager for Financial Crime will lead a group of Financial Crime Investigators, focusing on anti-money laundering tasks and team development while ensuring high performance and continuous improvement.

Lead ML strategy and delivery for Workforce Management: forecasting, routing, assignment, escalation and time-to-completion prediction. Build, ship and maintain production ML systems, coach and grow a team of ML scientists, work cross-functionally to turn operational problems into pragmatic ML solutions, and improve customer and operational outcomes.

The Staff Product Designer will lead design projects, set long-term design vision, mentor designers, and collaborate across teams to enhance customer experiences at Monzo.

The Finance Forecasting Modeller develops and manages financial forecasting models, collaborates with various teams, and presents model results to management. They will enhance modeling standards and lead model development projects.