Lead User Researcher

Cardiff, Wales, United Kingdom

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£90,000 – £110,000Compensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Technology, BankingIndustries

Requirements

The Lead User Researcher should possess a demonstrable impact on customers across various product areas, both directly and through supporting others, and significantly contribute to improving Monzo’s annual metrics and commercial outcomes. They should be able to identify and prioritize research efforts towards the most impactful opportunities, often declining less critical requests, and take a broad perspective across Monzo to formulate key research questions beyond individual squads. Furthermore, the candidate must confidently run any type of research project and introduce new approaches when necessary, while shaping projects to balance pace, quality, and focus for maximum impact.

Responsibilities

The Lead User Researcher will define strategy by synthesizing actionable insights from research, data, and market analysis, and build narratives to clearly communicate user understanding to diverse audiences. They will proactively connect with leadership and others to ensure research aligns with Monzo’s overall goals and objectives, and contribute to the User Research team’s mission of making money work for everyone.

Skills

User Research

Research Project Management

Research Strategy

Data Analysis

Market Analysis

Narrative Building

Stakeholder Engagement

Research Methodologies

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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