---
title: 'Staff Product Designer, Business Banking at Referrals Only'
canonical: 'https://feeny.ai/job/staff-product-designer-business-banking-referrals-only-cardiff-london-or-vgvx9v5fbar3'
type: 'job'
last_seen: '2026-09-14'
---

# Staff Product Designer, Business Banking at Referrals Only

- **Company:** Referrals Only
- **Location:** Cardiff London OR, United Kingdom
- **Work type:** remote
- **Posted:** 2026-03-31
- **Last confirmed live:** 2026-09-14
- **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/7768588

## Job description

📍London or UK Remote | 💰 £110,000 - £125,000 + Stock Options + [Benefits](https://monzo.com/careers/) | [Hear from the team](https://www.youtube.com/watch?v=U62l09nB0M4) ✨

⭐Our Design team

We’re a team of 100+ designers, researchers, and brand experts led by Chief Design Officer Vuokko Aro. We’re on a mission to make money work for everyone. Product Design makes up almost half of our design disciplines, working in tight-knit squads alongside research, product, and engineering to solve real customer problems at scale.

We design for the "magic moments"

We’ve built a bank that feels human, not just functional. Our product is our personality. We blend research, empathy, and craft to turn everyday interactions into memorable experiences.

Right now, we’re growing fast and looking for passionate designers to shape Monzo’s future and there’s a huge opportunity to make your mark.

Business Banking is on a mission to make money work for all small businesses around the world. Since launching in 2020, Monzo Business has grown to be the bank of choice for over 800,000 UK businesses, voted by our customers as Britain’s recommended business account for overall service quality.

This is an exciting role for someone who loves getting close to complex problem spaces, shaping end-to-end experiences, and raising the bar for design craft. You’ll work across multiple squads within Business Banking, partnering closely with product, engineering, research and data to identify the biggest opportunities and bring them to life.

This is a player-coach role, where you’ll be hands-on in the work while also managing and developing a small number of designers. You’ll balance design strategy and delivery with people leadership, helping others grow while setting a high standard for quality and impact.

🔑You’ll play a key role by...

- Setting the long-term design vision and leading large, end-to-end design projects in ambiguous problem spaces within Business Banking.
- Delivering high-impact design work while managing and developing a small number of designers.
- Navigating tradeoffs and guiding strategic decisions in an opinionated way.
- Continuing to raise the bar for design craft and product excellence at Monzo, ensuring your work is a benchmark for quality and innovation across the organisation and our industry.
- Partnering with cross-functional leaders to define and execute product strategies that translate into actionable plans you help build and ship.
- Proactively addressing systemic challenges, reducing complexity, and creating better conditions for teams to deliver impactful work.
- Acting as a visible ambassador for Design, sharing your work and its impact across the company to maintain Design’s place at the heart of Monzo.
- Mentoring and levelling up designers across the discipline, fostering a culture of growth, collaboration, and belonging.

🤩 We’d love to hear from you if…

- You’re an expert in your craft, with deep expertise in a specific design discipline and strong foundational skills across all areas of product design.
- You have experience managing designers, and are excited to grow others while remaining hands-on in your craft.
- You’re a strategic thinker who can shape product direction within a multi-squad domain and translate organisational goals into clear, actionable plans.
- You have a proven track record of delivering high-impact design work that drives customer outcomes, influences company metrics, and achieves commercial goals.
- You’ll have excellent visual, UI and interaction skills, and the ability to think through complex interaction design.
- You’re curious about continuing to develop your craft and keep learning about new tools, ways of working, and technology.
- You thrive in ambiguity, leading teams to deliver in complex, fast-changing environments while maintaining a high bar for quality.
- You’re a natural collaborator, skilled at working cross-functionally to improve ways of working and deliver greater value for customers and the business.
- You’re passionate about growing and shaping the Design team, whether through hiring, onboarding, or creating resources that scale your impact across the organisation.
- You’re pragmatic and proactive, always looking for ways to improve Design’s impact at Monzo while balancing the need to “get the job done”.

🙌What’s in it for you

💰£110,000 - £125,000 + Stock Options

✈️ 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!

🌈 The application journey has 3 key steps

- 30-minute call with our Recruiter, Tom
- 1-hour craft interview where you’ll present a single case study to 2 members of our Design team
- 2 x 45-minute interviews covering Strategy & Impact and Leadership & Values

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.

## #LI-TR1

#LI-Remote

## 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

- [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
- [Fraud Compliance Manager](https://feeny.ai/job/fraud-compliance-manager-referrals-only-united-kingdom-qpzb7bmcbgxt) — United Kingdom
- [Fraud Investigator, Overnight Team](https://feeny.ai/job/fraud-investigator-overnight-team-referrals-only-united-kingdom-weayv59k72r1) — United Kingdom
- [Lead Market Researcher](https://feeny.ai/job/lead-market-researcher-referrals-only-cardiff-london-or-83qyn2ncq2qk) — Cardiff London OR, United Kingdom
- [Chief of Staff, Group CFO](https://feeny.ai/job/chief-of-staff-group-cfo-referrals-only-london-fg8xem42f7fh) — London, United Kingdom
- [Senior Product Manager - Growth](https://feeny.ai/job/senior-product-manager-growth-referrals-only-london-x8w3pax4qj7r) — London, United Kingdom
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- [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