Lead Product Manager, Payments

Job description

***🚀 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](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments) and [combine their pensions](https://monzo.com/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 ❤️ --- #### 📍London - Hybrid | 💰£125,000 - £145,000 + equity + Incentive Awards tied to your performance + [Benefits](https://monzo.com/careers/) ✨ #### 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. Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. 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. Drop us your application, we’d love to hear from you! #### 🙌 What’s in it for you 💰 £125,000 - £145,000 ➕ Incentive Awards tied to your performance ➕ equity ✈️ We’ll help you relocate to the UK. ✅ We can sponsor your visa. 📍This role is hybrid working from our London office ⏰ 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! [Read our full list of benefits](https://monzo.com/careers/). #### 🌈 The application journey has 3 key steps - 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! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. [You can read them here.](https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo) 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. If you’d prefer to work part-time, please let us know and we'll make this happen if we can. #LI-HR1 --- **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. This is integral to our mission of making money work for everyone. You can read more in our [blog](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025) 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 don't need full or birth names at application stage 😊