Monzo

Lead Product Designer

Cardiff, Wales, United Kingdom

£100,000 – £130,000Compensation
Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, BankingIndustries

About Monzo

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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their 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 ❤️

Role Overview

Location Type: London or UK Remote Employment Type: Full-time Salary: £100,000-£130,000 + Benefits

About the Design Team

We’re a team of 80+ 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. Applying to this role, you’ll be in a standard hiring process for a Lead Product Designer, and we’ll find the perfect team for you along the way.

Your Key Responsibilities

  • Tackling the most complex and ambiguous design challenges, turning complexity into elegant, scalable solutions that empower teams and improve the customer experience.
  • Defining and delivering large-scale projects that connect initiatives across the business, using design methods to align strategies and drive impactful outcomes.
  • Leading the creation of compelling product visions, principles, and direction that inspire teams to build toward a shared future.
  • Raising the bar for visual execution, considering motion, interaction, and mental model clarity to deliver delightful and practical solutions.
  • Positively influencing our design system, tooling, and processes to improve how we create design at scale.
  • Driving improvements across the business by connecting your work to wider goals and leveraging cross-functional collaboration.
  • Acting as a role model in Design, sharing your work broadly, mentoring others, and contributing to the growth and success of the Design team.

What We're Looking For

  • You have a proven track record of delivering impactful, customer-centric native-app designs that solve complex problems and drive commercial outcomes.
  • You’re skilled at leading research, defining product visions, and aligning teams around a shared strategy.
  • You excel at creating modular, scalable solutions and have a strong grasp of how to use design artefacts to communicate insights effectively.
  • You’re a natural collaborator who can navigate multi-squad projects, align leadership, and drive clarity in ambiguous situations.
  • You’re passionate about improving design systems, processes, and ways of working to help teams deliver better outcomes at scale.
  • You’re a role model who actively contributes to the growth of the Design team through hiring, mentoring, and fostering a positive culture.
  • You’re excited about Monzo’s mission to make money work for everyone and are ready to make a significant impact on our customers and business.

What's In It For You

  • Salary: £100,000-£130,000 ➕ share options.
  • Relocation: We’ll help you relocate to the UK

Skills

Product Design
User Research
Empathy
Craft
Problem-Solving
Design Strategy
Team Leadership

Monzo

Digital-only banking platform for consumers

About Monzo

Monzo operates as a digital-only banking platform focused on providing a modern way for individuals to manage their finances. Its main product is a mobile app that allows users to track their income, spending, and savings easily. The app includes features that help users save money, such as automatically setting aside a portion of their paycheck or rounding up transactions to the nearest dollar. Monzo generates revenue through interest on deposits, fees for certain services, and interchange fees from card transactions, as well as offering overdrafts and personal loans. What sets Monzo apart from traditional banks is its real-time balance updates and instant spending notifications, which help users stay informed about their finances. The goal of Monzo is to provide a convenient, mobile-first banking experience that meets the needs of its growing customer base, which has surpassed 8 million users.

London, United KingdomHeadquarters
2015Year Founded
$1,856.7MTotal Funding
LATE_VCCompany Stage
Fintech, Financial ServicesIndustries
1,001-5,000Employees

Benefits

Competitive salary
Flexible working hours
Work from home
Stock options
32 days of paid vacation and public holidays per year
Health insurance
EAP
Learning budget
Home office stipend
Paid parental leave

Risks

Monzo breached UK banking regulations, risking reputational damage and fines.
Expansion into Europe poses regulatory challenges and potential licensing delays.
Reliance on digital platforms makes Monzo vulnerable to technological disruptions.

Differentiation

Monzo offers real-time spending updates and categorized transactions via a mobile app.
The 'Pots' feature allows users to set aside money for specific purposes.
Monzo Plus provides premium features like custom card designs and travel insurance.

Upsides

Monzo secured $400M in 2024, valuing the bank at $5 billion.
The partnership with SignLive enhances accessibility for Deaf customers.
Expansion into Europe in 2025 could significantly increase Monzo's customer base.

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