Finance Analyst

Monzo; Greater London; Hybrid; GBP 46,000 - 58,000; Full time

Benefits offered by this job

Hybrid London office environment

Learning budget £1,000 annually

Macbooks provided for all employees

Job summary

Monzo in London is seeking a Finance Analyst to support intercompany operations, forecast and report on subsidiary expenses, and drive governance for strategic projects. You’ll partner with Finance Business Partners, Financial Control, and Group FP&A to deliver high‑quality financial information that informs decisions.

The role blends planning and project work, with a focus on automation, process improvement and data efficiency across the finance function in a hybrid office setting.

Qualifications

• Strong analytical skills with the ability to interpret financial data and identify meaningful insights.
• Excellent attention to detail, producing accurate work even when managing multiple priorities.
• Confidence working with large datasets and using data to solve business problems.
• Strong organisation and planning skills, delivering work to agreed deadlines.
• Clear written and verbal communication skills, able to explain financial information simply.
• A collaborative approach, building positive relationships with colleagues across Finance and the wider business.
• Curiosity and a continuous improvement mindset, always looking for better ways of working.
• Personal accountability, taking ownership of work and following through on commitments.
• Automation and technology mindset with the ability to identify manual processes, define automation opportunities and partner with technical teams to implement scalable solutions.
• Analytical and problem solving capability with the ability to use data and insight to identify root causes, evaluate options and implement practical, value adding solutions.
• Continuous improvement mindset with a passion for challenging the status quo, embedding best practice and creating a culture of operational excellence and learning.

Responsibilities

• Producing monthly forecasts, variance analysis and reporting for Monzo's subsidiary entities, ensuring forecasts remain accurate and well understood.
• Owning the administration and coordination of the intercompany charging process, ensuring transactions are processed accurately, approved correctly and completed to timetable.
• Preparing financial reporting for strategic projects, monitoring spend against approved budgets and highlighting financial risks, opportunities and delivery performance.
• Supporting month end activities by preparing journals, reconciliations, accruals and reporting schedules in partnership with Financial Control.
• Investigating financial variances and explaining the commercial drivers behind changes in spend, forecasting assumptions and project performance.
• Working with stakeholders across Finance and the business to gather forecast inputs, resolve data issues and improve the quality of financial information.
• Maintaining financial models, reporting templates and process documentation to improve consistency, governance and operational efficiency.
• Supporting investment business cases by gathering financial information, validating assumptions and preparing analysis for decision making.
• Identifying opportunities to automate manual activities and improve finance processes through better use of systems and data.
• Helping deliver finance transformation initiatives by supporting testing, implementation and continuous improvement projects.

Skills

Forecasting

Variance analysis

Intercompany processes

Financial reporting

Stakeholder management

Month end activities

Process improvement

Automation opportunities

Data interpretation

Collaboration

Problem solving

Tools

Excel

Data analysis tools

Job description

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.

Our Costs Team

We're looking for a Finance Analyst that supports our subsidiary entities accurately forecast, report and observe operating expenses controls, while supporting the financial management of strategic business projects. You'll become the subject matter expert for intercompany processes, helping ensure transactions between entities are accurate, well controlled and completed on time. This role combines financial planning activities with project-based work, giving you exposure to forecasting, reporting, governance, process improvement and stakeholder management across Finance and the wider business. You'll work closely with Finance Business Partners, Financial Control, Group FP&A and business stakeholders, helping provide high quality financial information that supports good decision making.

You’ll play a key role by…

• Producing monthly forecasts, variance analysis and reporting for Monzo's subsidiary entities, ensuring forecasts remain accurate and well understood.
• Owning the administration and coordination of the intercompany charging process, ensuring transactions are processed accurately, approved correctly and completed to timetable.
• Preparing financial reporting for strategic projects, monitoring spend against approved budgets and highlighting financial risks, opportunities and delivery performance.
• Supporting month end activities by preparing journals, reconciliations, accruals and reporting schedules in partnership with Financial Control.
• Investigating financial variances and explaining the commercial drivers behind changes in spend, forecasting assumptions and project performance.
• Working with stakeholders across Finance and the business to gather forecast inputs, resolve data issues and improve the quality of financial information.
• Maintaining financial models, reporting templates and process documentation to improve consistency, governance and operational efficiency.
• Supporting investment business cases by gathering financial information, validating assumptions and preparing analysis for decision making.
• Identifying opportunities to automate manual activities and improve finance processes through better use of systems and data.
• Helping deliver finance transformation initiatives by supporting testing, implementation and continuous improvement projects.

We’d love to hear from you if…

• Strong analytical skills with the ability to interpret financial data and identify meaningful insights.
• Excellent attention to detail, producing accurate work even when managing multiple priorities.
• Confidence working with large datasets and using data to solve business problems.
• Strong organisation and planning skills, delivering work to agreed deadlines.
• Clear written and verbal communication skills, able to explain financial information simply.
• A collaborative approach, building positive relationships with colleagues across Finance and the wider business.
• Curiosity and a continuous improvement mindset, always looking for better ways of working.
• Personal accountability, taking ownership of work and following through on commitments.
• Automation and technology mindset with the ability to identify manual processes, define automation opportunities and partner with technical teams to implement scalable solutions.
• Analytical and problem solving capability with the ability to use data and insight to identify root causes, evaluate options and implement practical, value adding solutions.
• Continuous improvement mindset with a passion for challenging the status quo, embedding best practice and creating a culture of operational excellence and learning.

What’s In It For You

• £45,500 - £57,500 + Incentive Awards tied to performance.
• This role is based in our London office, with a hybrid working environment with flexible working from home arrangements and some in-person attendance. We're open to distributed working within the UK (with the expectation of occasional work from our London office for key meetings).
• 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.

The Application Journey Has 3 Key Steps

• Recruiter Screening Call
• Role Specific Interview
• Final Interview with the Hiring Manager

Our average process takes around 3-4 weeks but we will always work around your availability.

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage.