Senior Strategy and Operations Manager

Monzo; Cardiff; Hybrid; GBP 86,000 - 101,000; Full time

Benefits offered by this job

Learning budget

Macbooks provided

Home office support

Job summary

Monzo is seeking a Senior Strategy and Operations Manager for Payments. This role blends strategic direction with hands-on delivery, balancing long‑term vision with day‑to‑day execution.

You will model impacts, track performance, and surface insights to guide prioritisation across products, squads, and partnerships. You will partner with Product, Engineering and Data teams to drive clarity, own the performance rhythm, and scope new commercial bets as Monzo expands its lending and payment

Qualifications

• Strategic mind capable of seeing the bigger picture, thinking in systems, and anticipating future trends
• Exceptional problem-solving skills with analytical rigour, commercial viability, and execution certainty
• Adaptability and ownership; thrives in ambiguity and evolving environments
• Collaborates across business units; influences without formal authority
• Commercial mindset with data-driven prioritisation decisions
• Analytical rigour; navigate large datasets to solve unstructured problems
• Collaborative mindset; cross-functional with ML and Data/Analytics Engineering
• Operational excellence; improve how teams work for efficiency and focus

Responsibilities

• Driving strategic clarity: Supporting the GM of Payments and leadership team in defining, tracking, and evolving Payments's strategic direction to align with Monzo's wider mission
• Data-Driven Problem Solving: Dive into large, complex datasets to uncover insights, diagnose operational challenges, and independently design scalable solutions.
• Translating data into action: Building and maintaining data-informed views of performance across products, squads, and initiatives; using insights to inform priorities and trade-offs
• Cross-Functional Collaboration: Partnering with Product, Engineering, Data and Design teams to bridge ideas and strategic business execution
• Owning business performance rhythm: Leading monthly business reviews, reporting, and governance materials to keep the collective aligned and accountable
• Shaping new opportunities: Scoping new bets through market sizing, commercial modelling, partnerships evaluation, and budget/forecast analysis
• Making the org more effective: Balancing KTLO, BAU, and growth work; supporting resourcing and squad setup decisions
• Connecting the dots: Ensuring consistent communication and alignment across Payment squads and with Monzo collectives
• Scale & Geographic Expansion: Playing a pivotal role in scaling our lending book and supporting launch operations as we expand to new geographies
• Bringing teams together: Leading Payments All Hands, goals processes, and strategic forums for cohesion and momentum

Skills

Strategic acumen

Problem solving

Adaptability & ownership

Collaboration & influencing

Commercial mindset

Analytical rigour

Collaborative mindset

Operational excellence

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 (UK) | £86,100 - £101,300 (depending on experience) incentive awards tied to your performance | Benefits | Hear from the team

About the role

We're looking for a strategic, commercially minded, and data-driven Senior Strategy and Operations Manager, who will be an individual contributor and help shape the future of Payments at Monzo. You'll play a critical role in supporting the GM of Payments and the leadership team to define, measure, and drive our strategy - balancing long-term vision with the realities of day-to-day delivery.

This is a high-ownership, high-impact role, ideal for someone who thrives on solving complex problems, is fuelled by strategic thinking, and enjoys using data to bring clarity to ambiguity. You'll move seamlessly between blue-sky thinking and tactical execution - one day modelling the impact of a new product bet, the next helping optimise how we run the collective.

You'll bring a bird's-eye view across Payments's portfolio - ensuring our goals, investments, and initiatives line up coherently with each other and with Monzo's broader mission. And you'll be the connective tissue that keeps us operating effectively: tracking performance, surfacing insights, and making sure we're focused on what really matters.

Key responsibilities

• Driving strategic clarity: Supporting the GM of Payments and leadership team in defining, tracking, and evolving Payments's strategic direction to align with Monzo's wider mission
• Data-Driven Problem Solving: Actively dive into large, complex datasets to uncover insights, diagnose operational challenges, and independently design and implement scalable solutions.
• Translating data into action: Building and maintaining data-informed views of performance across products, squads, and initiatives; using insights to inform priorities and trade-offs
• Cross-Functional Collaboration: Partnering closely with Product, Engineering, Data and Design teams to bridge the gap between ideas and strategic business execution
• Owning business performance rhythm: Leading monthly business reviews, reporting, and governance materials to keep the collective aligned and accountable
• Shaping new opportunities: Scoping new bets through market sizing, commercial modelling, partnerships evaluation, and budget/forecast analysis
• Making the org more effective: Optimising how we balance KTLO, BAU, and growth work; supporting resourcing and squad setup decisions across the collective
• Connecting the dots: Ensuring consistent communication and alignment across Payment squads, and with other Monzo collectives
• Scale & Geographic Expansion: Playing a pivotal role in scaling our lending book and supporting launch operations as we expand our Borrowing products into new geographies
• Bringing teams together: Leading Payments All Hands, goals processes, and strategic forums that ensure cohesion and momentum across the collective

Desired qualifications and skills

• Strategic Acumen: You have a deeply strategic mind, capable of seeing the bigger picture, thinking in systems, and anticipating future trends
• Exceptional Problem-Solving Skills: Your "superpower" is solving complex problems with analytical rigor, commercial viability, and execution certainty
• Adaptability & Ownership: You're a self-starter who thrives in ambiguity, adept at navigating complex, rapidly evolving environments, and driven by impact and ownership
• Collaboration & Influencing Without Authority: You have an exceptional ability to connect the dots across different parts of the business, foster collaboration, and drive alignment without authority
• Commercial Mindset: You're comfortable making trade-offs and prioritisation decisions based on data, business impact, and resource constraints
• Analytical Rigour: A strong analytical skillset with a proven track record of comfortably navigating large datasets to solve unstructured problems independently
• Collaborative Mindset: Experience working cross-functionally with highly technical teams such as Machine Learning and Data/Analytics Engineering
• Operational Excellence: You're motivated by improving how teams work - finding ways to make organisations more efficient, scalable, and focused on what matters most

What’s in it for you

£86,100 - £101,300 (depending on experience) + incentive awards tied to your performance

We're open to distributed working within the UK, with the expectation of working from the London office on an occasional basis.

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

• Phone call with Recruiter (30 mins)
• Initial behavioural video call with Hiring Manager (45 mins)
• Analytical interview (60 mins)
• Problem solving interview (60 mins)

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

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

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