---
title: 'Senior Product Manager at Referrals Only'
canonical: 'https://feeny.ai/job/senior-product-manager-referrals-only-london-d6h3xqyvfabv'
type: 'job'
last_seen: '2026-11-09'
---

# Senior Product Manager at Referrals Only

- **Company:** Referrals Only
- **Location:** London, United Kingdom
- **Posted:** 2026-11-04
- **Last confirmed live:** 2026-11-09
- **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/8352202

## Job description

📍London/Cardiff/UK Remote | 💰£95,000 - £105,000 + Incentive Awards tied to your performance + [Benefits](https://monzo.com/careers/) ✨-

⭐Our Accounts team

The Accounts team is on a mission to make Monzo the most rewarding home for your finances. We’re creating a new loyalty proposition that rewards customers for making more of Monzo and gives them even more reasons to bank with us every day.

What you’ll be working on:

- Build Monzo’s loyalty proposition from the ground up, taking it from discovery and experimentation through to launch and scale.
- Create rewards and experiences customers love, encouraging them to spend, engage and get more from Monzo.
- Bring people together across Monzo, working with Commercial, Partnerships, Engineering, Design and Data Science to turn big ideas into reality.
- Make a measurable impact, growing customer engagement, retention and long-term value while building a commercially sustainable proposition.

🔑You’ll play a key role by...

- Defining the next phase of Monzo: Develop a strategy informed by customer insights, market opportunities and business goals.
- Translate long-term strategies into actionable, iterative plans that work towards our strategy and deliver an exceptional customer experience.
- Scaling and differentiating: Identify and define the new products, features and capabilities that will cement Monzo's unique value proposition and redefine how customers build their financial future.
- Thriving in ambiguity: Operate effectively in a highly ambiguous environment, taking multiple and sometimes conflicting inputs and collating them into a cohesive vision.
- Collaborating cross-functionally: Work iteratively with teams across design, engineering, research, data science, product marketing, compliance, external partners and other areas to refine and execute your strategy.
- Communicating and inspiring: Inspire stakeholders with the product vision and share the right context with the

🤩 We’d love to hear from you if…

- You have a track record of launching new products..
- You’ve shipped world-class products at a fast growing company.
- You're data-driven, and enthusiastic about metrics.
- You have a proven track record of making an impact through experimentation and optimization.
- 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 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.
- You’re intellectually honest about your work's performance, continually striving for improvement.
- You can systematically break down and solve complex problems.
- 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’re passionate about learning every day and sharing your knowledge and experience. You’re excited by what we’re doing at Monzo.

🙌What’s in it for you

💰£95K - £105K ➕ 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

Our interview process usually involves 3 main stages:

- Recruiter Call
- Initial Call with Hiring Manager
- Final Loop, consisting of x3 hour long interviews to assess Project Walkthrough, Case Study and Leadership.

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)

## 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

- [Lead Product Manager](https://feeny.ai/job/lead-product-manager-referrals-only-cardiff-london-or-fwckcpg3yg2x) — Cardiff London OR, United Kingdom / London, United Kingdom
- [Vulnerable Customer Advisor](https://feeny.ai/job/vulnerable-customer-advisor-referrals-only-united-kingdom-h4gt49qy47vf) — United Kingdom
- [Lead Product Manager, Growth](https://feeny.ai/job/lead-product-manager-growth-referrals-only-london-0sn7tzbgpspr) — London, United Kingdom
- [Senior Product Manager, Web Growth](https://feeny.ai/job/senior-product-manager-web-growth-referrals-only-london-ce2b842kg9dv) — London, United Kingdom
- [Product Manager, Finance](https://feeny.ai/job/product-manager-finance-referrals-only-london-v7brzd6nmkg3) — London, United Kingdom
- [Lead Brand Designer](https://feeny.ai/job/lead-brand-designer-referrals-only-london-cayyfghxrfqk) — London, 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
- [Senior Product Manager, Subscriptions](https://feeny.ai/job/senior-product-manager-subscriptions-referrals-only-barcelona-0jkx6zdsjnj7) — Barcelona, Spain