Lead Product Manager, Payments

• 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.

💰 £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.

🚀 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 ❤️

📍London - Hybrid | 💰£125,000 - £145,000 + equity + Incentive Awards tied to your performance + Benefits ✨

🔑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...

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!