Senior Finance Business Partner

Monzo; London (KY); Hybrid; USD 114,000 - 134,000; Full time

Benefits offered by this job

Learning budget

Hybrid working

London office

Incentive awards

Job summary

Monzo seeks a Senior Finance Business Partner to join the Commercial finance team in London. You will support the Borrowing portfolio, including Flex Credit, Loans and Overdrafts, and manage end-to-end financials and controls to inform strategic decisions.

The role requires building business cases, presenting investment options, and delivering insights from data while collaborating with engineering, risk, product, and marketing as Monzo scales.

Qualifications

• Must have demonstrable experience in financial business partnering with senior leaders, driving commercial projects and evaluating business cases.
• Strong ability to navigate complex financial services fields and break problems into manageable parts.
• Proficient in financial modelling (Excel/Sheets) and comfortable extracting data with SQL/Python.
• Excellent analytical and problem-solving skills with ability to identify trends and actions.
• Good interpersonal and influencing skills to secure buy-in across functions.

Responsibilities

• Be the sole finance partner between the business and finance, engaging senior leaders on commercial projects.
• Dive deep into data to uncover profitability trends and opportunities for growth.
• Scope new markets and products, design commercials for business cases and negotiate with partners.
• Present ideas and collaborate with engineering, legal, risk, product, strategy and marketing.
• Design processes for scalable decision making as Monzo grows.
• Help develop a skilled team of financial analysts with clear growth goals.

Skills

Financial modelling

Analytical thinking

Interpersonal skills

Influencing

Business case development

Problem solving

Attention to detail

Communication

Stakeholder management

Tools

SQL

Python

Excel

Google Sheets

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 | £84,200 - £99,000 + incentive awards tied to your performance + Benefits

Our Finance team

Our Finance team is growing and we are looking for a Senior Finance Business Partner to join the Commercial finance team, specifically partnering with our Borrowing collective. You will support our Flex Credit cards, Loans and Overdraft portfolios. You will work in a team that manages the P&L and Balance Sheet to deliver the financial plan, helps the business to make strategic financial decisions, challenges to improve performance, and owns the end-to-end financials and financial controls for your business area.

The right candidate will enjoy supporting and challenging the business across new initiatives, love to build business cases, present and debate investment choices and be comfortable with both digging into data to deliver insights and thinking about broader strategic choices.

You’ll play a key role by…

• Being the single point of contact between the business and finance - you will have an opportunity to work senior leaders in driving commercial projects, analysing performance of existing products and participating in day to day support of the business.
• Diving deep into the data - looking for trends, opportunities and stories that can be used in improving our profitability and growth. You will be thinking how to deepen engagement in products, improve our customer strategy or pricing, through scenario analysis and analytical insights.
• Analysing and scoping new markets and new products - designing commercials for business cases and negotiating with partners.
• Presenting your ideas and working across a number of stakeholders including engineering, legal, risk management, product, strategy or marketing.
• Designing and building new processes for effective decision making as Monzo continues to scale up.
• Supporting the build of a highly competent and motivated team of financial analysts with clear objectives for ongoing development to partner with existing and new businesses.

We’d love to hear from you if you..

• Have demonstrable experience in financial business partnering with senior business leaders- driving commercial, revenue generating projects, evaluating business cases and influencing decisions.
• Are comfortable navigating highly complex fields of financial services, with the ability to break down problems into manageable chunks and working through them.
• Hold strong financial modelling (advanced Excel/Google Sheets) experience, preferably you are also comfortable pulling your own data using SQL/Python.
• Have great analytical & problem solving skills, with the ability to identify trends, issues and recommend actions.
• Hold good interpersonal & influencing skills, ability to engage across various internal functions to develop, get buy‑in and deliver outcomes across teams
• Have experience building business cases, presenting and debating investment choices
• Demonstrate ability to be hand-on and enjoy supporting colleagues, projects or tasks both big or small
• Have strong attention to detail and organisational skills, able to support with developing new processes and streamlining existing processes to create efficiencies
• Have a background in retail banking; an understanding of credit is preferred. You will closely use NPV and ROE frameworks to drive profitable strategy.

What's in it for you

£84,200 - £99,000 + incentive awards tied to your performance

This role is based in our London office, with a hybrid working environment. We're open to distributed working within the UK, with the expectation of at least once a week in our London office.

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.

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.