# Lead Product Manager, Payments [Monzo](https://gurify.com/jobs?q=Monzo) · London · Posted today Lead [Product Manager](https://gurify.com/jobs/product-manager) [Apply on the original posting → (opens in a new tab)](https://job-boards.greenhouse.io/monzo/jobs/8156058) ## Job description 🚀 We’re on a mission to make money work for everyone. We’re 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 as personal 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 and combine 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! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ### 📍London | 💰£125,000 - £145,000 + equity + Incentive Awards tied to your performance + Benefits ✨ ### Our Payments team⭐ Payments is at the heart of Monzo. It’s 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. You’ll 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 it’s business-critical: it helps Monzo scale, launch new products and markets, support Finance, and keep the bank running safely. ### 🔑You’ll play a key role by... - 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 we’re building things, what good looks like, and how today’s choices support Monzo’s 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 Monzo’s future growth. ### 🤩 We’d love to hear from you if… - You’re 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. - You’re 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. - You’re comfortable bringing product thinking into ambiguous or stakeholder-heavy environments, and moving teams from request-led delivery towards long-term strategy. - You’re 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? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! ### 🙌 What’s in it for you 💰 £125,000 - £145,000 ➕ Incentive Awards tied to your performance ➕ equity ✈️ We’ll help you relocate to the UK. ✅ We can sponsor your visa. 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 📚 £1,000 learning budget each year to use on books, training courses and conferences. 🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. ➕ Plus lots more! Read our full list of benefits. ### 🌈 The application journey has 3 key steps - First stage - 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. 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. If you’d prefer to work part-time, please let us know and we'll make this happen if we can. ### 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, 2026 Diversity and Inclusion Report and 2025 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 😊 **Live in Monzo’s hiring system.** Read from the company's own applicant tracking system, not reposted from a job board — so it's a real, open requisition rather than an ad that outlived the role. 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As well as personal 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 and combine their pensions with us.\u003C/p\u003E\u003Cp\u003EWith 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!\u003C/p\u003E\u003Cp\u003EWe\u2019re not about selling products - we want to solve problems and change lives through Monzo \u2764\uFE0F\u003C/p\u003E\u003Ch3\u003E\u0026#128205;London | \u0026#128176;\u0026#163;125,000 - \u0026#163;145,000 \u002B equity \u002B Incentive Awards tied to your performance \u002B Benefits \u2728\u003C/h3\u003E\u003Ch3\u003EOur Payments team\u2B50\u003C/h3\u003E\u003Cp\u003EPayments is at the heart of Monzo. It\u2019s 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.\u003C/p\u003E\u003Cp\u003EThis 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. You\u2019ll 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.\u003C/p\u003E\u003Cp\u003EThis is a role for someone who gets genuinely excited by complex, technical infrastructure. The work is often behind the scenes, but it\u2019s business-critical: it helps Monzo scale, launch new products and markets, support Finance, and keep the bank running safely.\u003C/p\u003E\u003Ch3\u003E\u0026#128273;You\u2019ll play a key role by...\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EDefining the product strategy and roadmap for Finance Infrastructure within Payments Platform.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EPartnering closely with Engineering, Finance and Payments leaders to understand what Monzo needs from its financial systems today and as we scale.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EMoving the team from reactive delivery towards a more strategic, product-led approach, asking why we\u2019re building things, what good looks like, and how today\u2019s choices support Monzo\u2019s long-term needs.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003ETranslating complex finance, accounting, operational and regulatory needs into scalable platform capabilities.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EPrioritising across competing stakeholder needs, balancing urgent delivery with long-term system health.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EHelping Monzo build financial infrastructure that can support multiple products, entities, countries, currencies and regulatory environments.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EBuilding trusted relationships with senior stakeholders across Finance, Engineering, Product and Operations.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EBringing strong product discipline, technical curiosity and systems thinking to a space that is critical to Monzo\u2019s future growth.\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003E\u0026#129321; We\u2019d love to hear from you if\u2026\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EYou\u2019re a strong senior Product Manager with experience owning complex technical, platform, infrastructure or financial systems.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EYou have enough technical depth to partner credibly with engineers and reason about systems, trade-offs, dependencies and long-term architecture.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EYou\u2019re excited by \u201Cboring but critical\u201D infrastructure, things like ledgers, reconciliation, financial data, controls, reporting, internal platforms, abstractions or backend systems.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EYou can work with senior and cross-functional stakeholders, including Finance, Engineering, Product and operational teams.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EYou\u2019re comfortable bringing product thinking into ambiguous or stakeholder-heavy environments, and moving teams from request-led delivery towards long-term strategy.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EYou\u2019re high-agency, ambitious and excited to stretch yourself in a team with a high bar.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EYou care about customers and business outcomes, even when the work is several layers removed from the end customer experience.\u003C/li\u003E\u003C/ul\u003E\u003Cp\u003ENot ticking every box? 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Drop us your application, we\u2019d love to hear from you!\u003C/p\u003E\u003Ch3\u003E\u0026#128588; What\u2019s in it for you\u003C/h3\u003E\u003Cp\u003E\u0026#128176; \u0026#163;125,000 - \u0026#163;145,000 \u2795 Incentive Awards tied to your performance \u2795 equity\u003C/p\u003E\u003Cp\u003E\u2708\uFE0F We\u2019ll help you relocate to the UK.\u003C/p\u003E\u003Cp\u003E\u2705 We can sponsor your visa.\u003C/p\u003E\u003Cp\u003E\u0026#128205;This role can be based in our London office, but we\u0026#39;re open to distributed working within the UK (with ad hoc meetings in London)\u003C/p\u003E\u003Cp\u003E\u23F0 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.\u003C/p\u003E\u003Cp\u003E\u0026#128218; \u0026#163;1,000 learning budget each year to use on books, training courses and conferences.\u003C/p\u003E\u003Cp\u003E\u0026#127969; 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.\u003C/p\u003E\u003Cp\u003E\u2795 Plus lots more! Read our full list of benefits.\u003C/p\u003E\u003Ch3\u003E\u0026#127752; The application journey has 3 key steps\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EFirst stage - Meet with our Collective Product Director\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003ESecond stage - Meet with our Engineering and Finance leadership\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EThird stage - Product full loop\u003C/li\u003E\u003C/ul\u003E\u003Cp\u003EThis process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!\u003C/p\u003E\u003Cp\u003EWe have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.\u003C/p\u003E\u003Cp\u003EWe\u2019ll 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\u2019t miss out.\u003C/p\u003E\u003Cp\u003EIf you\u2019d prefer to work part-time, please let us know and we\u0026#39;ll make this happen if we can.\u003C/p\u003E\u003Ch3\u003EEqual opportunities for everyone\u003C/h3\u003E\u003Cp\u003EDiversity and inclusion are a priority for us and we\u2019re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we\u2019re 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.\u003C/p\u003E\u003Cp\u003EWe\u2019re an equal opportunity employer. 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