---
title: 'Senior Finance Analyst at Monzo'
canonical: 'https://feeny.ai/job/senior-finance-analyst-monzo-london-z6rmjhney2tg'
type: 'job'
last_seen: '2026-11-11'
---

# Senior Finance Analyst at Monzo

- **Company:** Monzo
- **Location:** London, United Kingdom
- **Posted:** 2026-11-11
- **Last confirmed live:** 2026-11-11
- **Apply:** https://job-boards.greenhouse.io/monzo/jobs/8358920

## Job description

🚀 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](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments)and [combine their pensions](https://monzo.com/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/UK Remote | £56,100 - £70,000 + Incentive Awards tied to your performance +  [Benefits](https://monzo.com/careers/)

⭐️ Our Costs Team

We're looking for a Senior Finance Analyst to take a leading role in managing operating expenses across Monzo's Collectives and Disciplines, helping business leaders understand financial performance, anticipate emerging risks and make better-informed spending decisions.

This role takes independent ownership of an allocated cost portfolio, combining financial planning, forecasting, performance management and commercial analysis. You'll go beyond maintaining accurate financial models and reporting to challenge assumptions, investigate complex cost drivers and recommend actions that improve financial performance.

You'll work directly with senior business stakeholders, Finance Business Partners, Procurement and the wider Cost Efficiency team. You'll also help raise the standard of financial analysis across the team, supporting less experienced analysts and improving how we forecast, report and manage costs.

🔑 You’ll play a key role by…

- Independently owning operating expense planning and forecasting for your allocated Collectives and Disciplines, building and maintaining robust financial models, challenging business assumptions and explaining material movements in the expected full-year position.
- Leading financial performance analysis for your portfolio, investigating complex variances across cost lines, suppliers and business activities, identifying underlying drivers and translating findings into quantified risks, opportunities and management recommendations.
- Driving monthly business performance discussions, producing and presenting decision-ready financial insight to senior stakeholders, confidently challenging expenditure, explaining forecast implications and securing agreement on actions.
- Providing financial analysis for material business decisions, evaluating new investments, supplier commitments, organisational changes and cost initiatives, including their affordability, in-year impact, annualised run-rate and expected financial benefits.
- Proactively identifying and delivering cost efficiency opportunities, partnering with Procurement and business owners to challenge existing expenditure, quantify achievable savings and track delivery against agreed financial baselines.
- Maintaining strong financial control and forecasting discipline, overseeing the quality of month-end actuals, accruals, forecast assumptions and financial commentary within your portfolio, resolving complex issues and escalating material risks early.
- Raising the capability of the wider analyst team, providing technical guidance, reviewing complex analysis, sharing financial modelling and reporting best practices, and helping less experienced colleagues develop their financial judgement.
- Leading targeted improvements to financial processes and reporting, identifying recurring weaknesses in forecasting, data quality or controls, and working with Finance Data and colleagues to implement measurable improvements in accuracy, efficiency and scalability.

🤩 We’d love to hear from you if…

- You have strong hands-on experience in FP&A, commercial finance or management accounting, including independent ownership of financial forecasts, management reporting and financial performance analysis.
- You're highly proficient in Excel or Google Sheets, with experience building and maintaining driver-based financial models, scenario analysis and reconciliations that other Finance colleagues can confidently review and use.
- You can demonstrate experience challenging forecasts and identifying the underlying business drivers of financial performance, rather than relying solely on historical variance analysis.
- You've independently prepared and presented financial analysis to senior business stakeholders, explaining complex financial matters, challenging assumptions and influencing decisions.
- You have experience evaluating business cases, supplier commitments or cost initiatives, including quantifying financial impacts, assessing assumptions and tracking expected benefits.
- You can demonstrate improvements you've made to financial processes, forecasting models or reporting, with measurable benefits such as improved accuracy, reduced manual effort or stronger controls.
- You've helped develop the technical capability of colleagues, through coaching, peer review, sharing modelling techniques or improving the quality of financial analysis across a team.

🙌What’s in it for you

💰 £56,000 - £75,000 + Incentive Awards tied to performance.

📍 This role is based in our London office, with a hybrid working environment with flexible working from home arrangements and some in-person attendance. We're open to distributed working within the UK (with the expectation of occasional work from our London office for key meetings).

⏰ 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 these 3 key steps:

- Phone call with recruiter (30 minutes)
- Role Specific with Hiring Manager & Finance Business Partner (45 Minutes)
- Behavioural Interview with Head of Department & Senior Finance Manager (45 Minutes)

Our average process takes around 3-4 weeks but we will always work around your availability.

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](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025)

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 😊

## About Monzo

## Company Overview
- **One-liner**: Monzo is a UK-based digital bank offering personal and business current accounts, savings, loans, investments, and insurance through a mobile-first platform.
- **Entity Type**: Private (Series I, unicorn)
- **Headquarters**: London, United Kingdom (offices also in Cardiff, Dublin, and Barcelona)
- **Founded**: 2015
- **Founders**: Tom Blomfield, Gary Dolman, Jonas Huckestein Templestein, Jason Bates, Paul Rippon (current co‑CEOs are Diana Layfield and Conor Walsh)

## Core Business
- Primary industry/industries: Digital banking and financial services (consumer finance, payments, lending)
- Target customers: B2C (personal banking) and B2B/SMB (business banking); primarily UK‑based, with growing EU presence
- Mission or purpose statement: “Building a bank you’d be proud to use” – focused on solving problems, not selling financial products, and making money work for everyone.

## Products & Services
- **Personal Current Account**: Mobile‑banking account with budgeting tools, spending insights, and automated savings. Features real‑time notifications, card controls, and biometric authentication.
- **Business Current Account**: Separate account for small businesses with expense categorisation, invoicing, and integration with accounting software.
- **Savings Pots**: Sub‑accounts inside the app to save toward goals; includes interest‑bearing options.
- **Credit Cards & Loans**: Personal credit cards, overdrafts, and Flex (buy‑now‑pay‑later style borrowing). Also offers personal loans.
- **Investments**: Share dealing and ISA products (introduced in 2024).
- **Insurance**: Home, travel, and gadget insurance (underwritten by partners).
- **Pension Management**: Tools to manage and consolidate pension pots within the app.

## Market Standing
- **Valuation**: $5.2 B (current, per Tracxn; latest round Series I)
- **Key Metric**: Annual revenue £1 B+ (as of 31 Mar 2025), total funding $1.81 B
- **Notable Investors/Partners**: General Catalyst, Passion Capital, Accel (lead investors in previous rounds)
- **Growth Signals**: 15 million+ personal and business customers; headcount of ~3,786 (YoY growth 26.8% per Revelio Labs); expansion into EU via Dublin office; launched investment and pension products in 2024; continued lending product innovation (Flex, credit cards).

## Competitive Advantages
- **Community‑driven product development** – Customers actively suggest features, test the app, and give feedback, creating strong brand loyalty.
- **Mobile‑first architecture** – Built from scratch as a digital‑only bank, offering a seamless user experience with real‑time budgeting and spending insights.
- **Regulatory innovation** – One of the first UK challengers to obtain a full banking licence, enabling deposit‑taking and lending.
- **Open‑source culture** – Engages with the engineering community through open‑source contributions and transparent development.

## Strategic Focus
- **Product expansion**: Deepening lending and investment offerings, and building a wealth management suite.
- **International growth**: Scaling in the European market (office in Barcelona, Dublin hub, and hiring for EU‑focused roles).
- **Embedded finance**: Enabling third‑party services to use Monzo’s banking infrastructure.
- **Operational efficiency**: Using AI/ML for risk management, fraud detection, and personalised financial recommendations.

## Why Work Here
- **Culture**: Open, collaborative, and inclusive; regular community events, yoga, and lunch‑and‑learns; contributes to open‑source software.
- **Remote/Hybrid**: Office‑based roles allow occasional remote work; distributed workers receive equipment budget. Roles in London, Cardiff, Dublin, Barcelona, or UK‑remote.
- **Visas**: Monzo sponsors visas for tech, engineering, and product roles due to Home Office regulations.
- **Learning**: £1,000 annual budget for books, courses, and conferences; regular knowledge‑sharing sessions.
- **Compensation & Benefits**: Annual salary reviews; performance‑based incentive awards (cash/equity mix); pension (4% Monzo contribution, matching up to 6%); private healthcare; life insurance (4x salary); 26 days holiday + bank holidays (or opt‑out for 34 days); 8‑week sabbatical every 5 years; generous family leave (primary caregiver 26 weeks full pay, secondary 13 weeks full pay); paid sick leave; cycle‑to‑work scheme.
- **Office Perks**: Free breakfast, hot lunches twice a week, snacks, and drinks in London office.

## Sources
1. [monzo.com/careers](https://monzo.com/careers) – Benefits, visa policy, flexible working, culture
2. [monzo.com/about](https://monzo.com/about) – Company overview, mission, customer count
3. [tracxn.com/d/companies/monzo](https://tracxn.com/d/companies/monzo/__HguZJzK7Q_qZsyIz1Y4VwV75H5fHjDMtGaXPelPAxpU) – Funding, valuation, revenue, employee count, founders, CEOs
4. [job-boards.greenhouse.io/monzo](https://job-boards.greenhouse.io/monzo/jobs/7963253) – Open roles, location details
5. [reveliolabs.com/companies/monzo-bank/employees](https://www.reveliolabs.com/companies/monzo-bank/employees/) – Headcount growth

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