Monzo

Senior User Researcher

Cardiff, Wales, United Kingdom

£75,000 – £95,000Compensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, BankingIndustries

User Researcher

Location Type: London or UK Remote Employment Type: Full-time Salary: £75,000 - £95,000 + Benefits


🚀 Our Mission

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 ❤️

Hear from our UK team about what it's like working at Monzo ✨


⭐ Our User Research Team

We’re a team of 19 researchers embedded in collectives like Core Banking and Business Banking etc., collaborating closely with Product Design, Product Management, and Engineering teams. Led by Katherine Vaughan, our Director of Research. Research at Monzo is embedded into the Design org at Monzo. We are constantly growing and looking for amazing talent to join this highly impactful team. You can find out more about how our design team thinks and operates by reading our Monzo Design blog.


🔑 Your Role

You’ll play a key role by:

  • Moving the business towards demonstrably better customer outcomes in your product area.
  • Having a tangible impact on your collective or squads' quarterly metrics and commercial outcomes.
  • Identifying the biggest opportunities and prioritising your efforts towards them.
  • Shaping the most impactful research questions your squads or collective need to answer to move towards customer and company goals.
  • Choosing the most effective research method to provide actionable insights in the time available.
  • Planning and executing projects to a high standard, balancing pace, quality and breadth to have the most impact.
  • Weaving quantitative and qualitative insights together to get as close as possible to the truth, whilst being clear on limitations.
  • Effectively sharing actionable user insights through clear written and verbal communications.
  • Making use of relationships you've built with peers in other disciplines to increase the impact your work can have.
  • Forming a robust and reliable point of view and sharing this with cross-discipline partners.

🤩 We’d Love to Hear From You If You Have:

  • Passion for making money work for everyone.
  • Ability to adapt your processes to changing circumstances and value feedback that challenges and improves your direction.
  • Skill in making connections between your work and others', using this to improve your work as you go.
  • Proactiveness in leaning into challenging conversations, always with a focus on making things better.
  • Autonomy, combined with a love for working closely with peers in other disciplines.
  • A knack for identifying multiple ways of addressing an issue and understanding the trade-offs they present.
  • Consistent ability to find opportunities to level-up your peers, through mentoring or giving feedback.
  • Contribution to your team's culture, spotting ways to improve processes, and proactively making them happen.
  • Experience attracting and interviewing candidates, and acting as an onboarding buddy for new starters.

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!


🙌 What’s In It For You

  • Salary: £75,000 - £95,000
  • Benefits: Comprehensive benefits package.

Skills

User Research
Qualitative Research
Quantitative Research
Customer Outcomes
Product Design
Product Management
Engineering
Research Questions
Prioritization

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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