Senior Financial Reporting Analyst

Monzo; Greater London; Hybrid; GBP 56,000 - 75,000; Full time

Benefits offered by this job

Learning budget

Macbooks provided

Home office setup support

Job summary

Monzo is seeking a highly proactive Financial Reporting Senior Analyst to join the Finance team in London. You will lead year-end reporting, streamline month-end close, and collaborate with engineers to automate production of reporting elements.

You’ll drive insightful management commentary, ensure robust controls, and support ESG disclosures. The role offers London office base with UK-wide distributed working and flexible hours.

Qualifications

• Qualified chartered accountant (ACA or CA) with audit experience preferred.
• Interest in banking and regulatory landscape with strong financial controls.

Responsibilities

• Support full year-end process from draft to external audit sign-off.
• Ensure timely month-end close with internal finance team.
• Write insightful management commentary from business understanding.
• Automate reporting with engineers and data teams to reduce manual work.
• Understand accounting system features to minimize manual reporting.
• Maintain and update reporting policies, controls, and scalability.
• Assess impact of new products/contracts on accounting and implement in systems.
• Advise on accounting policy for new products and changes in standards.
• Support ESG sustainability reporting and disclosures.
• Prepare monthly management and ad hoc reports with meaningful analysis.
• Assist with forecasting, valuations, and tax policy research.

Skills

SQL skills

Auditing experience

Data-driven reporting

Financial controls

Business partnering

Education

ACA or CA

Tools

Accounting system

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.

London/Distributed across the UK | £56,000 - £75,000 (depending on experience) Incentive Awards tied to your performance | Benefits | Hear from the team

Our Finance team

We're looking for a highly proactive, enthusiastic and commercially-minded Financial Reporting Senior Analyst to join our Financial Reporting team, and help us build a world-class finance function.

We have some really exciting challenges coming up, like expanding into the European Union, introducing Monzo Mobile and Habito to our group, climate change reporting, continuing to grow our customer base, expanding our lending business, and adding to our marketplace. You’ll work on scaling Monzo in a controlled way while helping us optimize our financial reporting processes with the help of technology. You’ll join the Finance team and report to our Financial Reporting Manager.

You’ll play a key role by

• Supporting the full year end process, from drafting the annual report to working with external auditors until final sign-off.
• Supporting tight processes with our internal finance team to ensure a swift month-end close process.
• Understanding the business and our products to write insightful management commentary.
• Working with our engineers and data teams to automate the production elements of the role, allowing you to focus on the parts of the role where your knowledge and skills provide the most value.
• Understanding our accounting system and making sure we are taking advantage of all its features to minimise manual elements of reporting.
• Being responsible for ensuring our financial reporting policies, procedures and controls are up to date, relevant and useful for Monzo and importantly are scalable.
• Reviewing new products and the impact of new contracts, assessing the accounting and implementing them in our banking platform and accounting system.
• Working with the business to assess the impact of changes in accounting standards and make proposals on accounting policy matters for new products launched.
• Maintaining existing and developing new controls that protect our financial data and our balance sheet substantiation process.
• Supporting the production of ESG sustainability reporting and disclosures.
• Preparing monthly management and ad hoc reports, offering meaningful analysis of movements.
• Resolving miscellaneous inquiries and supporting the overall finance team wherever needed - from forecasting and valuations, to bank transfers and tax policy research!

We’d love to hear from you if…

• You’re a qualified chartered accountant (ACA or CA) and ideally have audit experience combined with some financial reporting and control experience outside of practice.
• 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 comfortable with leveraging data to automate reporting and drive efficiency (SQL skills would be a bonus).
• You thrive in a dynamic and constantly evolving environment.
• Nice to have:
  • Experience in a listed company or financial services regulated environment.
  • Strong business partnering/commercial financial acumen.
  • ESG reporting/audit of sustainability information (carbon footprint, CFD/CSRD).

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.

What’s In It For You

£56,000 - £75,000 (depending on experience) Incentive Awards tied to your performance.

This role is based in our London office and we aim to come in as a team twice a week. We're open to distributed working within the UK (with ad hoc meetings in London) if required.

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 4 key steps

• Recruiter Screening Conversation
• Initial Hiring Manager Interview (30 Minutes)
• Role Specific Interview (60 Minutes)
• Behavioural Interview (45 Minutes)

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’ll only close this role once we have enough applications for the next stage.

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.