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.

Our 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. This role will align to a defined category/collective and focus on delivering strong sourcing and commercial outcomes. While you’ll work within a specific spend area, we’re hiring for strong, transferable procurement skills - not deep subject matter expertise. This is a great opportunity to build deeper category knowledge over time while becoming a high-visibility partner who guides stakeholder and business direction and builds credibility.

You’ll play a key role by:

• Leading end-to-end sourcing processes within your aligned category, operating with a high degree of autonomy and accountability.
• Navigating complex trade-offs, applying sound commercial judgement to balance risk, cost, value and long-term strategy.
• Running competitive events and negotiating commercial terms that deliver measurable value.
• Owning contract execution and renewal planning, proactively managing timelines and dependencies.
• Translating stakeholder requirements into clear, commercially robust solutions - challenging constructively where needed.
• Aligning and, where necessary, realigning stakeholders to drive clarity, momentum and confident decision-making.
• Identifying and delivering opportunities to improve commercial outcomes within your remit through insight, influence and independent thinking.

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. If you bring experience in a particular spend area, we’d love to know - but it’s not a prerequisite. We’re primarily looking for strong procurement fundamentals and the ability to apply them thoughtfully in new contexts. As you demonstrate independent execution, strong judgement and stakeholder leadership, there’s clear opportunity to broaden your remit, increase complexity, and grow your impact longer term.

We’d love to hear from you if…

• Have experience running end-to-end sourcing processes and negotiating commercial terms, always 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.
• Are comfortable applying your skills across different spend areas, adapting your approach to new contexts with sound judgement.
• Have 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.
• You’re curious about and comfortable using AI tools (like Gemini or Claude) to power up your research and analysis.

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:

• 40,000 - 52,000 + Incentive Awards tied to your performance.
• This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).
• 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.

The application journey has 3 key steps:

• 30 min call with the Recruiter.
• 30 min initial call with the Hiring Manager.
• 2 hours of technical and behavioural interviews.

This process should take around 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.

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.

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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. 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.