Lead Product Manager, US

Lead Product Manager, US at Monzo Bank

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, including personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account, and credit cards. 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 and 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 Monzo in the US

Monzo Group is a leading financial technology company, with over 14 million customers in the UK. We’ve raised over $1 billion from Capital G, Google’s growth fund, Ribbit Capital, TenCent, YCombinator, Stripe, Coatue, and others - most recently at a $5.9 billion valuation in 2024.

We’re just getting started in the US. We’re an agile full-stack team operating like an early-stage startup but with the financial, operational, and engineering platform muscle of a larger company. We’re focused on building an amazing US product, shipping and iterating quickly, and deepening our product market fit. We’re looking for highly driven, enterprising people to help us achieve our mission to make money work for everyone.

The US Team's Mission

Our US team is on a mission to make digital banking that grows your money, your way. Whether it’s cashback rewards, high-yield savings with no hidden catches, or smart budgeting tools, everything we build is designed to lift people up. What truly sets Monzo apart isn’t just our product - it’s our people. We’re a team of builders, problem-solvers, and big thinkers united by a shared belief that finance can (and should) be fair, transparent, and empowering. If you’re ready to make a difference and help build a bank that rewards people for being themselves, come join us. Let’s grow together.

You’ll Play a Key Role By

• Lead a cross-functional team to design, build, and profitably grow a new product that deeply resonates with our US customers and elevates Monzo to a leading FinTech in the market.
• Work closely with your partners in Marketing, Design, and Research to ensure we are creating and communicating the most important value propositions for our customers.
• Be an active and influential leader within the team and foster our culture of accountability, support, and a high bar for excellence.
• Collaborate with your peers across Monzo who can help you accelerate your progress and increase your odds of success (e.g., specific capabilities we don’t yet have in the US team, learnings, counsel, advice).

Requirements

• You’ve got a track record of building successful, customer-centric digital products in a fast-growing company.
• You love the craft of creating remarkable products and businesses.
• You have excelled building and launching remarkable zero-to-one consumer products (ideally a regulated one like financial services, healthcare, or similar).
• You have the ability to communicate clearly and persuasively to a wide range of audiences, and in a structured way.
• You have the urge and resilience to challenge the status quo and make things better.
• You ground your thinking in data, facts, and insights but are equally comfortable making decisions quickly if/when the complete/ideal data is unavailable.
• You can work effectively with a diverse range of people and working styles to get stuff done, and are able to thoughtfully and constructively challenge and influence the people you work with.
• You’re excited by the ambition of what we’re doing at Monzo and personal finance in general.
• You’re a fast learner, humble and curious, and enjoy developing yourself and others.

What’s In It For You

• 💰 $165,000 - $200,000 base salary + stock options
• 🏥 Great Health, Dental, and Vision Insurance
• 📈 Stock Options
• 💰 Generous 401k with 4% employer match
• ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.
• 🏝 32 days of vacation and public holidays per year (and we require that you take all of your days each year).
• 🏡 Maternity / Paternity leave.

Equal Opportunities for Everyone

Diversity and inclusion are a priority for us. 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. 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.

Key skills/competency

• Product Strategy
• Digital Product Development
• FinTech Industry Knowledge
• Customer Centricity
• Cross-functional Leadership
• Market Launch
• Data-driven Decision Making
• Agile Methodologies
• Zero-to-One Product Experience
• Communication Skills