About the company
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. We’re not about selling products - we want to solve problems and change lives through Monzo.
Responsibilities
- Set the strategy for Flex, one of Monzo’s most important revenue-driving products.
- Identify and unlock new commercial opportunities across customer segments.
- Navigate complex trade-offs between growth, risk, and customer outcomes.
- Work closely with Credit teams to shape propositions across multiple risk segments and cohorts.
- Interrogate performance deeply — from unit economics to long-term profitability curves.
- Ensure Flex remains rooted in strong customer outcomes, not just revenue.
- Push for simple, transparent, and delightful experiences.
- Manage and develop a team of Product Managers.
- Deliver multiple high-impact initiatives through your direct reports.
- Raise the bar on product thinking and foster a culture of high standard and high velocity.
Requirements
- Strong commercial instinct — you think in terms of trade-offs, economics, and outcomes.
- Comfortable operating in complex environments (e.g. multiple segments and cohorts with different commercials).
- Able to engage deeply with Credit and Data partners.
- Experience in lending, credit cards, or adjacent borrowing products.
- You start with the customer and never lose track of their needs.
- Willing to challenge revenue-driven decisions when they conflict with good customer outcomes.
- Strong product taste and care deeply about experience quality.
- Proven ability to deliver in fast-paced environments with multiple workstreams.
- Comfortable going deep in the detail while leading through others.
- Strong cross-functional leadership across technical, credit, and governance stakeholders.
Conditions
- Base salary dependent upon experience + Stock Options + Benefits.
- We can help you relocate to the UK.
- We can sponsor visas.
- 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).
- Flexible working hours.
- Learning budget of £1,000 a year for books, training courses and conferences.