Buyer in Cardiff

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.

Location: London / Cardiff / UK Remote. Salary: £40,000 - £52,000 + Incentive Scheme tied to performance.

Role Overview

The Procurement team at Monzo is evolving into a proactive, strategic partner to the business – one that shapes commercial decisions, enables scale, and delivers meaningful long‑term value. We’re hiring a Buyer to join the team.

Responsibilities

• Lead end‑to‑end sourcing processes within an aligned category, operating with a high degree of autonomy and accountability.
• Navigate complex trade‑offs, applying sound commercial judgement to balance risk, cost, value and long‑term strategy.
• Run competitive events and negotiate commercial terms that deliver measurable value.
• Own contract execution and renewal planning, proactively managing timelines and dependencies.
• Translate stakeholder requirements into clear, commercially robust solutions, challenging constructively where needed.
• Align and, where necessary, realign stakeholders to drive clarity, momentum and confident decision‑making.
• Identify and deliver opportunities to improve commercial outcomes within your remit through insight, influence and independent thinking.

Qualifications

• Experience running end‑to‑end sourcing processes and negotiating commercial terms, seeking to understand the commercial rationale behind decisions.
• Understand core procurement principles and can clearly articulate commercial trade‑offs, balancing cost, risk, value and long‑term impact.
• Naturally curious, seeking to understand the why behind decisions and constructively challenging assumptions to drive stronger commercial outcomes.
• Comfortable applying skills across different spend areas, adapting approach to new contexts with sound judgement.
• Experience working closely with stakeholders, guiding and influencing commercial conversations with confidence.
• Thrive in fast‑paced environments and enjoy solving practical commercial challenges with curiosity and ownership.
• Comfortable using AI tools (like Gemini or Claude) to power research and analysis.

Growth & Development

This role offers the opportunity to align to a category and develop deeper expertise over time, building both commercial depth and strategic influence. As you demonstrate independent execution, strong judgement and stakeholder leadership, there’s clear opportunity to broaden your remit, increase complexity and grow your impact over the long term.

Benefits

• £40,000 - £52,000 + incentive awards tied to performance.
• Flexible working hours; trust to work the necessary hours in time that suits you and your team.
• £1,000 learning budget each year for books, training courses and conferences.
• Home‑office support for fully remote workers; MacBook provided for all employees.
• Other benefits include full list of benefits (link retained for reference).

Application Process

We encourage you to apply even if you don’t tick every box. We are dedicated to creating a diverse and welcoming team and value learning and growth.

If you have a preferred name, please use it to apply. We do not need full or birth names at the application stage.

Equal Opportunity Statement

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.