Senior Financial Control Analyst

Monzo; Greater London; Hybrid; GBP 60,000 - 65,000; Full time

Benefits offered by this job

Learning budget

Macbooks provided

Flexible working hours

Remote work support

Job summary

Monzo is seeking a Senior Financial Control Analyst to join our London or Cardiff offices with hybrid working across the UK. You will lead financial accounting for software capitalisation, drive month-end close, and ensure robust control environments in a fast-growing retail bank.

With 2+ years post-qualification experience, you will apply IFRS standards, partner with product teams, and support year-end activities with external auditors.

Qualifications

• Qualified accountant with post-qualification experience in financial reporting/controlling.
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Responsibilities

• Embed software capitalisation process with engineering and business teams to automate and scale.
• 2) Own the financial reporting processes for software capitalisation and perform month-end controls.
• 3) Apply IFRS capitalisation and impairment standards to challenge the business with evidence.
• 4) Support month-end close and group consolidation with the finance team.
• 5) Assist year-end with external auditors and update accounting policies for new products.

Skills

IFRS capitalisation & impairment

SQL skills

Attention to detail

Commercial mindset

Analytical mindset

Education

Professional accounting qualification (e.g., ACA/ACCA)

Tools

SAP S4/HANA

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

Senior Financial Control Analyst

London/Cardiff | £60,000 - £65,000 + Incentive Awards tied to your performance + Benefits

Our Financial Control Team:

Monzo is growing fast - new products, new markets and new locations. As we expand we need to make sure we can support our businesses and control our processes, so we are growing our team to meet these exciting new challenges!

Our team sits within Monzo’s Finance collective and our job is getting the numbers right. We’re currently a team of seven qualified accountants, split between our Cardiff and London offices, and we ensure the ledger’s correct at every month-end. We work closely with all areas of Finance and the product teams to make that happen.

You’ll play a key role by…

We're looking for a proactive, enthusiastic and commercially-minded accountant to work on our financial accounting, and help us build a world-class finance function. This role would be well suited to a qualified accountant with 2+ years of post-qualification experience.

We have some really exciting challenges under way like making sure we maximise our new SAP S4/HANA general ledger, expanding into the European Union, pushing forward with our automation plans, continuing to grow our customer base, growing our lending business and adding to our marketplace. You’ll work on scaling Monzo in a controlled way, while helping us optimise our financial control processes with the help of technology. You’ll report to our Financial Control Manager.

Your day-to-day:

• Help embed our software capitalisation process working closely with our engineering and business teams to create an automated and scalable solution.
• Take on the role of product owner for the financial reporting processes of software capitalisation, operating key controls across month end close and performing impairment assessments.
• Use your strong technical knowledge of relevant IFRS standards for capitalisation and impairment to support and challenge the business on areas of judgement and documentary evidence.
• Manage a tight process with the rest of our internal Finance team to ensure a swift month-end close process and group consolidation.
• Understand the business and our products to write insightful management commentary.
• Understand our accounting systems and make sure we are taking advantage of all features we can to minimise manual elements of reporting.
• Learn SQL skills to run reports and propose solutions that make our processes efficient and scalable.
• Support our year end process working with external auditors and our Financial Reporting squad.
• Help review new products, assessing the accounting and implementing them in our banking platform and accounting system
• Work with the business to assess the impact of changes in accounting standards and make proposals on accounting policy matters for new products launched
• Help maintain the integrity of our chart of accounts and financial static data
• Resolve miscellaneous inquiries and support the overall finance team wherever needed - from forecasting and valuations, to bank transfers, transfer pricing and tax policy research!

We’d love to hear from you if…

• You’re a qualified accountant with a few years’ post-qualification experience, ideally in financial reporting/controlling teams and working in a retail banking environment
• You have a strong understanding of technical accounting standards
• You have a great eye for detail
• You’re fascinated by the banking and regulatory landscape, and have a good understanding of key financial controls
• You’re a self-starter and enjoy tackling what needs doing, whether it’s making a bank transfer or pulling together reports for investors
• You’re comfortable translating complex information into simple words for people with diverse backgrounds
• You’re interested in using data (SQL skills would be a bonus)
• You thrive in a dynamic and constantly evolving environment
• What we’re doing at Monzo excites you!

What’s in it for you

£60,000 - £65,000 Incentive Awards tied to your performance.

This role can be based in our London or Cardiff 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, 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 Conversation
• Role Specific Interview
• Behavioural Interview

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

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