Senior Pricing Analyst, Savings

Monzo; Cardiff; Hybrid; GBP 75,000 - 95,000; Full time

Benefits offered by this job

Hybrid work model

Private medical insurance

£1,000 learning budget

Macbooks provided

Remote work setup support

26 days holiday

Job summary

Monzo in the UK is seeking a Senior Pricing Analyst in Savings to drive and continually improve the performance of savings products, merging commercial strategy, data analysis, modelling and product growth.

You will collaborate with Finance, Treasury, Data Science and Product squads to develop market insights and turn them into actionable decisions that boost deposit volumes, margins and competitiveness in the UK.

Qualifications

• You have pricing, portfolio management or commercial product management experience within UK retail banking, fintech, or a fast-paced consumer finance environment.
• You are highly analytical and hands-on with data to drive commercial decisions.
• You can translate complex financial data into clear narratives for stakeholders.

Responsibilities

• Monitor portfolio performance against targets and diagnose drivers of deposit movements.
• Analyse pricing elasticity and data on acquisition/retention to model growth vs profitability.
• Size and model the commercial impact of strategic initiatives with Finance during planning.
• Collaborate with Treasury, Finance and Product squads to inform pricing decisions.
• Develop and maintain pricing datasets and Looker dashboards.
• Track macro and competitor changes to advise agile pricing shifts.

Skills

Pricing experience

Data analysis

Stakeholder communication

Tools

Looker

SQL

Python

Jupyter

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 (UK) | £75,000-£95,000 + Incentive Awards tied to your performance + benefits

About the Role

We’re looking for a Senior Pricing Analyst in Savingsto drive and continuously improve the performance of Monzo’s savings products. This role sits at the intersection of commercial strategy, data analysis, modelling, and product growth.

You’ll be responsible for understanding how our savings rates perform in the market, why, and what we should do about it—from pricing optimisation to deposit forecasting. You will collaborate closely with Finance, Treasury, Data Science, and Product squads to develop market and deposit insights and analysis, and turn them into actionable decisions that drive sustainable growth.

This is a highly visible, hands‑on role with a direct impact on our deposit volumes, margin, and competitiveness in the UK market.

You’ll play a key role by:

• Monitoring portfolio performance: Tracking the health of our live savings products against commercial targets, identifying performance trends, and digging into the data to diagnose the drivers behind deposit movements.
• Driving volume and margin trade-offs: Analysing pricing elasticity, acquisition, and retention data to model trade-offs and optimise growth vs. profitability.
• Contributing to savings strategy: Sizing and modelling the commercial impact of strategic initiatives to help evaluate and recommend future decisions, while collaborating with Finance during planning cycles.
• Cross‑functional alignment: Partnering with Treasury, Finance, and Product Squads to provide analytical clarity on pricing decisions and balance sheet impacts across Monzo.
• Developing pricing analytics: Building, maintaining, and improving our core pricing datasets and Looker dashboards.
• Leading competitor & macro analysis: Maintaining a view of the UK macroeconomic landscape, Bank of England rate changes, and competitor movements to recommend agile, market‑leading pricing shifts.

We’d love to hear from you if:

• You have pricing, portfolio management or commercial product management experience within UK retail banking, fintech, or a highly fast‑paced consumer finance environment.
• You are highly analytical and hands‑on with data, comfortable using data to understand customer behaviour and drive commercial decisions.
• You have experience working with Data Analysis or visualisation tools (e.g., Looker, SQL, Python, Jupyter) to deliver valuable insights.
• You are comfortable working in complex, ambiguous spaces and can translate intricate financial data into clear, compelling narratives for stakeholders.
• You thrive in a product‑led, digital‑first environment where things move quickly.

What’s in it for you

Salary is £75,000 - £95,000 depending on experience

This role will be based out of our London office next to Liverpool Street station - in a hybrid way of working between the office and home

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.

26 days holiday (plus bank holidays)

Private medical insurance with WPA

£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.

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