--- title: 'Senior Product Manager, EU at Referrals Only' canonical: 'https://feeny.ai/job/senior-product-manager-eu-referrals-only-barcelona-6gq3f5mkqe75' type: 'job' last_seen: '2026-10-19' --- # Senior Product Manager, EU at Referrals Only - **Company:** Referrals Only - **Location:** Barcelona, Spain / London, United Kingdom - **Posted:** 2026-03-02 - **Last confirmed live:** 2026-10-19 - **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/7622551 ## Job description 📍Barcelona or London  | 💰 Open to experience ➕ [Benefits](https://monzo.com/careers/) |[Product at Monzo](https://monzo.com/blog/2022/10/04/product-management-at-monzo-the-interview-process) 🔑You’ll play a key role by
 Leading one or more cross-functional teams to define and deliver a strategy that helps customers make the most of Monzo. You’ll help build the platform, capabilities and app structure needed to optimise a customer’s in-app experience and engagement. As a member of Monzo’s product team, you’ll be responsible for defining the strategy and setting a high bar for impact and execution, requiring complex stakeholder alignment and coordination across multiple cross-functional teams. đŸ€© We’d love to hear from you if
 - Lead the charge: build a product vision and strategy for your area, ensuring alignment with Monzo’s goals and an exceptional customer experience. - Communicate effectively: you get people inspired by the product vision and you share the right context with the right people at the right time. - Collaborate seamlessly: partner with engineering, design, data, research, marketing and other teams across Monzo to create a strategy and deliver. - Deliver impact: define, deliver and measure the impact of the customer-focused personalisation and discovery experiences you create. 📝 You should apply if
 - You are a seasoned product manager, and have shipped world-class products at a fast growing company. - You have launched a consumer product within an EU market - You're data-driven, and have a track record of collaborating with machine learning experts or data scientists to define key metrics, run experiments, and deliver business impact. - You can systematically break down and solve complex problems. - You have good judgement, and have a track record of making good decisions in complex situations where there’s often no “right answer”. - You have the urge and resilience to challenge the status quo and make things better, and are full of creative ideas for how to do so. - You can work effectively with a diverse range of people and working styles - spanning engineering, design, data, user research, marketing, legal and compliance - to get stuff done. - You’re a great storyteller, who is able to motivate, energise and inspire people towards a common goal. - You’re passionate about building value for customers and not just achieving business results, and are excited about our mission at Monzo. - You’re intellectually honest about your work's performance, continually striving for improvement. - You’re a fast learner, humble and curious, and enjoy learning every day and sharing your knowledge and experience. 🙌What’s in it for you 💰Base salary range for this role is dependent on experience + benefits 📍Barcelona, Spain or London (UK) ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚Learning budget of ÂŁ1,000 a year for books, training courses and conferences 🌈 The application journey has 4 key steps - Recruiter Call - Initial Call with Hiring Manager - Final Loop, consisting of x3 interviews to assess Project Walkthrough, Case Study and Leadership. - Follow up with hiring manager Our average process takes around 5-6 weeks but we will always work around your availability. 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're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated. ## #LI-LT1 ## 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) ## Other roles at Referrals Only - [Director of Group Operations Strategy & Development](https://feeny.ai/job/director-of-group-operations-strategy-development-referrals-only-united-kingdom-hw62rmp1nywq) — United Kingdom - [Senior Strategy and Operations Manager](https://feeny.ai/job/senior-strategy-and-operations-manager-referrals-only-cardiff-london-or-f01nevk91fad) — Cardiff London OR, United Kingdom - [Technical Recruiter](https://feeny.ai/job/technical-recruiter-referrals-only-cardiff-london-or-0tm5r0eh32wd) — Cardiff London OR, United Kingdom - [Data Science Manager](https://feeny.ai/job/data-science-manager-referrals-only-cardiff-london-or-qy9svbyf8q50) — Cardiff London OR, United Kingdom - [Product Manager, Subscriptions](https://feeny.ai/job/product-manager-subscriptions-referrals-only-barcelona-0jkx6zdsjnj7) — Barcelona, Spain - [Director of Product Design](https://feeny.ai/job/director-of-product-design-referrals-only-cardiff-london-or-8ca0hy3vyc09) — Cardiff London OR, United Kingdom - [Staff Backend Engineer](https://feeny.ai/job/staff-backend-engineer-referrals-only-cardiff-london-or-6w1n8z0gktm9) — Cardiff London OR, United Kingdom - [Senior Backend Engineer](https://feeny.ai/job/senior-backend-engineer-referrals-only-cardiff-london-or-0weyav3xnjw9) — Cardiff London OR, United Kingdom - [Backend Engineer III](https://feeny.ai/job/backend-engineer-iii-referrals-only-cardiff-london-or-awnc2afx215n) — Cardiff London OR, United Kingdom - [Android Engineer](https://feeny.ai/job/android-engineer-referrals-only-cardiff-london-or-zgy3wbdg3pyh) — Cardiff London OR, United Kingdom