Lead Product Manager

Who you are

• 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
• 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

What the job involves

• 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
• 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

The application process

• 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!

Benefits

• Yearly Salary Review + Proactive pay increases to reflect growing responsibilities + Share options
• Flexible working hours
• Work From Home Opportunities + we'll pay for any equipment you need to do your job
• 24 days holiday a year, plus bank holidays
• Paid sick leave for both physical & mental health + Health insurance via AXA or Vitality + Additional health insurance through Medicash
• Employee Assistance Programme
• Learning budget of £1,000 a year
• Aviva Pension Scheme + 4% Employer Contribution
• Paid maternity, paternity, adoption or shared parental leave (after 13 weeks of employment)
• 52 weeks of primary caregiver leave (6 months at 100% pay, 13 weeks at Statutory Maternity Pay, 13 weeks unpaid)
• 3 months of secondary caregiver leave at 100% pay
• Unum Life Insurance
• Access to fertility and family-forming health benefits via Fertifa
• Abellio Season Travel Tickets + Cycle-to-Work Scheme