We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 ️

About the role

We are looking for a Senior Product Manager to lead our efforts in improving the efficiency and effectiveness of our Financial Crime (Fincrime) Operation teams.

Your mission is to build and provide world class tech-led toolings, through more automation, usage of GenAI, and process redesign, to empower our (Fincrime) Investigators and help Monzo achieve scalable and sustainable growth. You’ll drive efficiency gains, while maintaining or improving decision quality, and ensuring a seamless customer experience.

What You’ll Be Working On:

• Optimising Fincrime Investigation Workflows: Reduce handling time while maintaining or improving decision accuracy, particularly for high-effort tasks.
• Scaling Automation & AI-first Solutions: Drive towards 100% automation where human intervention is only required in complex cases or when necessary for customer experience.
• Enhancing Tooling for COps (Customer Operations): Improve existing tools and build new solutions to reduce manual efforts, increase efficiency, and streamline investigations.
• Improving Demand Forecasting & Workforce Planning: Enhance forecasting capabilities to support central Workforce Management (WFM), optimizing capacity planning and scheduling to drive cost savings and improve customer experience.
• Driving Cultural & Process Improvements: Improve investigator incentives, skills leveling, and training to create a more efficient and high-performing team.

Your day to day work:

• Lead a 10+ cross functional squad, across risk, engineering, data, machine learning, and operation to develop and deliver on the strategic product roadmap.
• Identify opportunities for efficiency improvements without compromising quality of decision & customer experience.
• Build new toolings and/or improvements to existing toolings to help COps improve their efficiency.
• Collaborate closely with our Ops Collective to deliver improvements to forecasting & planning.
• Act as the central point of execution for our strategy/ vision to move towards building AI-first solutions.

You should apply if:

• Proven experience in product management, ideally within fintech or scale up companies.
• Strong understanding of automation, AI-driven tooling, and operational efficiency improvements.
• Experience working with cross functional teams, especially operational teams to deliver impactful solutions.
• Ability to make decisions balancing difficult trade offs.
• A data-driven mindset, with experience using insights to drive product decisions and measure success.

The interview process:

Our interview process involves 4 main stages:

• Recruiter Call
• Initial Call with Hiring Manager
• Interview Loop, consisting of three 1 hour long interviews (Project Walkthrough, Case Study and Leadership)
• Final Interview

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to .

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.

What’s in it for you:

£95,000 - 125,000 share options.

We’ll help you relocate to the UK.

We can sponsor your visa.

This role can be based in our London office, but were open to distributed working within the UK.

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!

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.

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 dont need full or birth names at application stage.

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