Senior Product Manager - Banking and Loyalty in London

We’re waving goodbye to the complicated and confusing ways of traditional banking.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/Cardiff/UK Remote | ð 105,000 - 135,000 + BenefitsOur Fincrime CollectiveThe Fincrime Collective exists to keep customers safe from fraud and financial crime, and to stop criminals from committing financial crime or laundering the proceeds of it. Our north star is to be the most trusted bank, meaning that customers trust us to keep them safe, and customers and regulators trust that we’ll stop and pursue criminals. We are looking for a Senior Product Manager to work in our Fincrime Collective.Your mission is to build and provide world class tech-led toolings, through more automation, usage of GenAI, and process redesign, to empower our Investigators and help Monzo achieve scalable and sustainable growth. You’ll drive efficiency gains, while maintaining or improving decision quality, and ensuring a seamless customer experience. Enhancing Tooling for COps (Customer Operations): Improve existing tools and build new solutions to reduce manual efforts, increase efficiency, and streamline investigations.Reduce reliance on outside tools by integrating more workflows into BizOps (our internal tooling) and improving usabilityImproving Demand Forecasting & Workforce Planning: Enhance forecasting capabilities to support central Workforce Management (WFM), optimizing capacity planning and scheduling to drive cost savings and improve customer experience (e.g., Improve investigator incentives, skills leveling, and training to create a more efficient and high-performing team.Identify opportunities for efficiency improvements without compromising quality of decision & customer experienceLead a cross functional squad, across risk, engineering, data, machine learning, and operation to develop and deliver on the strategic product roadmap Build new toolings and/or improvements to existing toolings to help COps improve their efficiencyCollaborate closely with our Ops Collective to deliver improvements to forecasting & planning; so that we have the right people, at the right place and the right timeAct as the central point of execution for our strategy/ vision to move towards building AI-first solutions such that our scale accelerates risk reductionYou should apply if:Proven experience in product management, ideally within fintech or scale up companies, working in complex, ambiguous problem spaces where the tech is changing rapidlyStrong understanding of automation, AI-driven tooling, and operational efficiency improvementsExperience working with cross functional teams, especially operational teams to deliver impactful solutionsAbility to make decisions balancing difficult trade offs e.g. balance speed vs. accuracy, while maintaining a seamless customer experienceA data-driven mindset, with experience using insights to drive product decisions and measure successComfortable working on data-led, complex technical products - with ML engineers ðWhat’s in it for youð 110,000- 135,000 Incentive rewards tied to your bonus ðThis 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. ð1,000 learning budget each year to use on books, training courses and conferences.ð¡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. Final Loop (3x1hr): Interviews covering a Project Walkthrough, Case Study, and Leadership.This process should take around 2-3 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. Please submit your application as soon as possible to make sure you don’t miss out. LI-RP1 #LI-REMOTEEqual opportunities for everyoneDiversity 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. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.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.