VAIB Strategy Analyst New Cardiff, London or Remote (UK)

Monzo; Cardiff; Hybrid; GBP 41,000 - 52,000; Full time

Benefits offered by this job

Equity

Incentive awards

Benefits

Learning budget

Remote work setup

Job summary

Monzo is seeking a VAIB Strategy Analyst to drive improvements for customers requiring additional support. You will leverage data, insights, and operational feedback to embed vulnerability, accessibility, inclusion, and bereavement considerations into product design and customer journeys.

You will own complex strategic initiatives, navigate escalations with independent judgement, and strengthen governance and risk practices while collaborating with Product, Risk, Data, and Engineering teams to

Qualifications

• Deep subject matter expertise in VAIB and relevant legal frameworks (e.g., Consumer Duty, Equality Act, WCAG)
• Proven ability to independently manage and deliver complex strategic initiatives
• Strong governance, risk, and assurance understanding
• Excellent stakeholder communication across multiple teams

Responsibilities

• Lead Strategic Delivery: own VAIB workstreams and deliver plans balancing customer needs and regulatory expectations.
• Drive Data-Led Improvements: analyze data and feedback to drive evidence-based recommendations.
• Champion Cross-Functional Collaboration: partner with Product, Engineering, and Operations.
• Navigate Complex Escalations: provide independent judgement on ambiguous issues.
• Own Governance and Risk: manage control requirements for strategic changes.
• Coach and Build Capability: mentor colleagues and share specialist knowledge.

Skills

VAIB Strategy

Stakeholder management

Data analysis

Regulatory knowledge

Risk & governance

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.

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/Cardiff/UK Remote | £41,300-52,250 + equity + Incentive Awards tied to your performance + Benefits

Making money work for everyone is what we do at Monzo, but it only counts if it works for the people who need support the most. Our Vulnerability, Accessibility, Inclusion and Bereavements (VAIB) team is dedicated to breaking down barriers across the bank. We make sure that whether a customer is vulnerable, disabled, excluded, or experiencing a bereavement, they get a product and a service that is empathetic, accessible, and built entirely with them in mind.

As VAIB Strategy Analyst, you will play a critical role in fulfilling Monzo's mission to make money work for everyone by driving meaningful improvements for customers requiring additional support. Working collaboratively, you will leverage data, customer insights, and operational expertise to seamlessly embed vulnerability, accessibility, inclusion, and bereavement considerations into product and service design. You will take proactive ownership of complex strategic projects and use independent judgement to navigate ambiguous escalations, shape treatment strategies, and identify emerging risks. Ultimately, you will ensure that changes deliver equitable customer outcomes while maintaining strong standards of risk management, governance, and regulatory compliance.

• Lead Strategic Delivery: Take ownership of complex VAIB workstreams, translating strategic priorities into clear delivery plans and driving improvements that balance customer needs, regulatory expectations, and operational goals.
• Drive Data-Led Improvements: Analyze quantitative data, customer feedback, and operational insights to identify systemic barriers, proactively monitor outcomes, and develop evidence-based recommendations for strategic change.
• Champion Cross-Functional Collaboration: Partner seamlessly across Product, Engineering, and Operations to build VAIB awareness, influence decision-making, and embed inclusive considerations into the design of customer journeys and internal processes.
• Navigate Complex Escalations: Act as the escalation point for complex, ambiguous customer or operational issues, applying strong independent judgement to recommend proportionate solutions when clear policy guidance is unavailable.
• Own Governance and Risk: Manage control requirements for all strategic changes, ensuring work is rigorously assessed, documented, and governed to support informed decision-making and mitigate regulatory risk.
• Coach and Build Capability: Strengthen the wider VAIB team by proactively sharing specialist knowledge, mentoring less experienced colleagues, and elevating overall analytical and strategic ways of working.
• You have deep subject matter expertise in VAIB and relevant legal frameworks (e.g., Consumer Duty, Equality Act, WCAG), applying this knowledge to identify systemic barriers and proactively recommend improvements to products and customer journeys. VAIB experience is preferable but we'd also love to hear from you if you have any other regulatory background.
• You have a proven ability to independently manage and deliver complex strategic initiatives, utilising quantitative data, customer insights, and operational feedback to investigate ambiguous challenges, resolve blockers, and implement practical solutions.
• You have a strong grasp of risk, governance, and assurance, paired with excellent decision-making skills to confidently navigate ambiguity, appropriately mitigate risks, and ensure complex decisions are effectively balanced and documented.
• You are highly skilled in stakeholder management and communication, with the ability to clearly convey sensitive information, constructively challenge existing approaches, and drive alignment across Operations, Product, Risk, Data, and Engineering.
• You are committed to delivering exceptional outcomes for vulnerable customers, coupled with a dedication to sharing expertise and coaching colleagues to build the overall capability and confidence of the wider team.

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. Drop us your application, we’d love to hear from you!

What’s in it for you

£41,300-52,250 Incentive Awards tied to your performance.

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.

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