About Monzo
Monzo offers personal and business bank accounts, joint accounts, accounts for 16–17-year-olds, kids' accounts, credit cards, savings, investment, and pension products in the UK. It aims to make banking simpler and more transparent and help customers manage their money.
Responsibilities
•Set the strategy and direction for Flex, identifying commercial opportunities across customer segments and balancing growth, risk, and customer outcomes
•Work with Credit teams to shape propositions across risk segments and cohorts
•Analyze performance, from unit economics to long-term profitability, and drive commercial opportunities
•Ensure Flex delivers strong customer outcomes and simple, transparent, engaging experiences
•Manage and develop a team of Product Managers
•Deliver high-impact initiatives through direct reports
•Raise the bar on product thinking and foster high standards and velocity
•Work with Engineering, Credit, Data, Design, and senior leadership to identify opportunities, optimize performance, and deliver at pace
Requirements
•Strong commercial instinct and ability to assess trade-offs, economics, and outcomes
•Comfortable working in complex environments with multiple segments and cohorts
•Able to engage deeply with Credit and Data partners
•Experience in lending, credit cards, or adjacent borrowing products
•Customer-focused, with the ability to challenge revenue-driven decisions that conflict with customer outcomes
•Strong product judgment and care for experience quality
•Proven ability to deliver in fast-paced environments with multiple workstreams
•Comfortable going into detail while leading through others
•Strong cross-functional leadership across technical, credit, and governance stakeholders
Conditions
•Stock options and benefits
•Relocation assistance to the UK
•Visa sponsorship available
•Flexible working hours
•Learning budget of £1,000 per year for books, training courses, and conferences
