Lead Product Manager, Payments

🚀 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 ❤️

⭐ 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.

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