Product Director, Flex (Borrowing) London

Monzo; Greater London; Híbrido; GBP 120 000 - 180 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Stock Options

Relocation Support

Visa Sponsorship

Flexible hours

Learning budget £1,000

UK distributed working

Resumo da oferta

Monzo is seeking a Product Director to lead Flex into its next phase of growth from our London/UK base. You’ll shape strategy for Flex, drive commercial performance, champion the customer, and build a high-performing product team.

You’ll collaborate with Engineering, Credit, Data, Design and senior leadership to optimise outcomes across segments and deliver high-velocity, customer-focused lending products. The role offers a base salary dependent on experience plus stock options and benefits; we

Responsabilidades

• Set the strategy for Flex
• Drive commercial performance across risk segments and cohorts
• Champion the customer with simple, transparent experiences
• Build and lead a high-performing team of Product Managers
• Demonstrate strong commercial thinking and cross-functional leadership across technical, credit and governance stakeholders
• Deliver in fast-paced environments with multiple workstreams

Descrição da oferta de emprego

We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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

London / UK | Salary dependent on experience + Stock Options + Benefits

Flex is one of Monzo’s fastest-growing and most commercially significant products. Four years ago, we reinvented the credit card experience—building something simpler, more transparent, and genuinely useful. Today, over a million customers use Flex.

We’re looking for a Product Director to lead Flex into its next phase of growth.

This is a high-impact, deeply commercial role at the intersection of product and credit. You’ll define how we scale borrowing responsibly, expand into new segments, and continue building products customers genuinely love.

You’ll work closely with Engineering, Credit, Data, Design, and senior leadership to identify new opportunities, optimise performance across complex segments, and deliver at pace.

What you’ll be working on…

Set the strategy for Flex

• Set direction for one of Monzo’s most important revenue-driving products
• Identify and unlock new commercial opportunities across customer segments
• Navigate complex trade-offs between growth, risk, and customer outcomes

Drive commercial performance

• Work closely with Credit teams to shape propositions across multiple risk segments and cohorts
• Interrogate performance deeply — from unit economics to long-term profitability curves
• Identify and drive new commercial opportunities

Champion the customer

• Ensure Flex remains rooted in strong customer outcomes, not just revenue
• Push for simple, transparent, and delightful experiences
• Advocate for customer experience alongside commercial outcomes

Build and lead a high-performing team

• Manage and develop a team of Product Managers
• Deliver multiple high-impact initiatives through your direct reports
• Raise the bar on product thinking and foster a culture of high standard and high velocity

Commercial Thinking

• Strong commercial instinct — you think in terms of trade-offs, economics, and outcomes
• Comfortable operating in complex environments (e.g. multiple segments and cohorts with different commercials)
• Able to engage deeply with Credit and Data partners
• Experience in lending, credit cards, or adjacent borrowing products

Consumer Focus

• You start with the customer never lose track of their needs
• You’re willing to challenge revenue-driven decisions when they conflict with good customer outcomes
• You have strong product taste and care deeply about experience quality
• Proven ability to deliver in fast-paced environments with multiple workstreams
• Comfortable going deep in the detail while leading through others
• Strong cross-functional leadership across technical, credit, and governance stakeholders

What’s in it for you:

Base salary dependent upon experience + Stock Options + Benefits

We can help you relocate to the UK

We can sponsor visas

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, at times that suit you and your team.

Learning budget of £1,000 a year for books, training courses and conferences

And much more, see our full list of benefits here

#LI-AC1

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