---
title: 'Product Manager, Finance at Referrals Only'
canonical: 'https://feeny.ai/job/product-manager-finance-referrals-only-london-v7brzd6nmkg3'
type: 'job'
last_seen: '2026-11-02'
---

# Product Manager, Finance at Referrals Only

- **Company:** Referrals Only
- **Location:** London, United Kingdom
- **Posted:** 2026-10-23
- **Last confirmed live:** 2026-11-02
- **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/8317719

## Job description

📍London/Cardiff/UK Remote | 💰£80,000 - £125,000 + equity + Incentive Awards tied to your performance + [Benefits](https://monzo.com/careers/)  ✨

Our Payments team⭐

Payments is at the heart of Monzo. It’s how our customers move, receive, spend and manage their money, from cards and bank transfers to cross-border payments, merchant acquiring, payment experiences in the app, and the platform infrastructure that underpins the whole bank.

This role sits in our Payments Platform area, working most closely with our Finance Infrastructure squad. The squad sits in Payments, but partners deeply with Finance teams to build the systems, abstractions and capabilities Monzo needs to operate safely, scale efficiently, and expand into new markets. You’ll work on foundational financial infrastructure: the ledgers, data, controls, reporting, reconciliation and platform capabilities that help Monzo understand, account for and manage money across the bank.

This is a role for someone who gets genuinely excited by complex, technical infrastructure. The work is often behind the scenes, but it’s business-critical: it helps Monzo scale, launch new products and markets, support Finance, and keep the bank running safely.

🔑You’ll play a key role by...

- Building the roadmap for  Finance Infrastructure within Payments Platform and executing on it.
- Partnering closely with Engineering, Finance and Payments leaders to understand what Monzo needs from its financial systems today and as we scale.
- 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.

🤩 We’d love to hear from you if…

- You’re a strong 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.

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

💰 £80,000 - £100,000 ➕Incentive Awards tied to your performance.

✈️ We’ll help you relocate to the UK.

✅ We can sponsor your visa.

📍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](https://monzo.com/careers/).

🌈 The application journey has 3 key steps

First stage - Meet with our Collective Product Director Second stage - Meet with our Engineering and Finance leadership Third stage - Product full loop

This process should take around 3-4 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. [You can read them here.](https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-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.

If you’d prefer to work part-time, please let us know and we'll make this happen if we can.

Linkedin Tags: #LI-HR1

## About Referrals Only

## Company Overview
- **One-liner**: Marqeta is the world’s first modern card issuing platform, providing open APIs that enable businesses to create, manage, and scale customized payment card programs.
- **Entity Type**: Public (Ticker: MQ on NASDAQ)
- **Headquarters**: Oakland, California, USA
- **Founded**: 2010
- **Founders**: Jason Gardner (Founder & Executive Chairman)

## Core Business
- **Primary industry**: Financial Technology (Fintech) — Modern Card Issuing & Payment Solutions
- **Target customers**: B2B; serves a wide range of industries including digital banking, on-demand delivery, buy now, pay later, expense management, retail, and workforce payments. Customers include Square, DoorDash, and other high-growth fintech and enterprise companies.
- **Mission or purpose statement**: To simplify payments and enable any company to deliver delightful payment experiences natively, powering more flexible, engaging, and innovative payment products.

## Products & Services
- **Modern Card Issuing Platform (SaaS/API)**: Fully open API platform that allows developers to launch new credit and debit card programs with speed, flexibility, and scale. Supports instant wage access, embedded finance, and custom card products.
- **Compliance & Risk Management (Service)**: Integrated fraud detection, spend control, and compliance tools to ensure high levels of security and uptime.
- **Global Expansion Capabilities (Platform)**: Certified to operate in over 40 countries across the US, Europe, and Asia, enabling businesses to scale globally.

## Market Standing
- **Valuation/Market Cap**: As a public company, market cap fluctuates. As of mid-2026, Marqeta is a publicly traded company valued in the multi-billion dollar range (exact figure varies with market conditions).
- **Key Metric**: Annual Revenue — $383 billion+ in total volume processed in 2025; 80x volume growth since 2017; 99.99% platform uptime in 2025.
- **Notable Investors/Partners**: Key customers include Square (Block), DoorDash, and other leading fintech and enterprise firms. Partners include issuing banks, networks (e.g., Visa, Mastercard), and card fulfillment providers.
- **Growth Signals**: Recognized as a CNBC Disruptor (top 50 in 2021 award); consistent expansion into new geographies (EU, UK, Asia); continued hiring across multiple departments and regions (US, Canada, UK).

## Competitive Advantages
- **First-mover & category leader**: Marqeta defined the modern card issuing category with its open API platform, giving it a decade-plus head start over competitors.
- **Scalability & reliability**: Proven track record of 99.99% uptime and handling massive transaction volumes (80x growth since 2017) — critical for enterprise customers.
- **Deep integration with major networks**: Pre-existing relationships with Visa, Mastercard, and issuing banks shorten time-to-market for customers.
- **Developer-first approach**: Open APIs and developer tools make it easy for engineering teams to build custom payment experiences quickly.

## Strategic Focus
- **Global expansion**: Continuing to expand its certified operations into new countries (currently 40+) to serve multinational customers.
- **Embedded finance & new use cases**: Driving adoption in instant wage access, embedded finance, and enterprise expense management.
- **AI & automation**: Investing in AI-powered fraud detection, risk management, and product automation (e.g., hiring for Principal Security Engineer, Product & AI; Lead Product Manager, Enterprise AI & Automation).
- **Platform stability & security**: Maintaining industry-leading uptime and security compliance as core differentiators.

## Why Work Here
- **Culture & values**: Marqeta emphasizes a culture of “Simplify and Innovate,” “Solve for the Customer,” “Do What’s Right,” “Make it Count,” and “Win as a Team.” Employee Resource Groups (ERGs) include BlackCard, HOLA, RepresentAsian, Desi, MQ-Proud, Vets@MQ, Women’s Group, Parents’ Group, and Marqetaglots.
- **Remote/hybrid policy**: Many roles are remote (US, Canada, UK), with some positions based in Oakland, CA or London, UK. The company supports flexible work arrangements.
- **Notable perks & engineering culture**: Fast-paced, purpose-driven environment; strong focus on developer experience and open APIs; opportunities to work on cutting-edge payment infrastructure at massive scale. The company invests heavily in early career talent and internal mobility.
- **Award-winning workplace**: Recognized as a top workplace (e.g., CNBC Disruptor) and offers a collaborative, inclusive environment.

## Sources
1. [Marqeta About Us](https://www.marqeta.com/company/about-us)
2. [Marqeta Careers Page](https://www.marqeta.com/company/careers)
3. [Marqeta Homepage](https://www.marqeta.com/)
4. [Greenhouse Job Board](http://job-boards.greenhouse.io/marqeta)
5. [MQ Referrals Job Board](https://job-boards.greenhouse.io/mqreferrals/jobs/7743043)

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