🚀 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 | £56,100 - £75,900 + Incentive Awards tied to performance + Benefits
⭐️ Our Costs Team
We're looking for a Cost Performance & Analytics Specialist to lead the Cost Efficiency Team’s digital transformation, helping build scalable processes, governance and automation that support Monzo's next stage of growth
This role owns the continuous improvement of finance processes, governance and operating models across our cost base. You'll identify opportunities to simplify work, improve controls, automate manual activities and ensure our finance processes remain scalable, well documented and audit ready.
You'll work across Finance, Data, Technology and the business to improve how planning, reporting and governance operate, while helping deliver the Finance transformation roadmap. Rather than producing month end reporting yourself, you'll improve how Finance delivers it.
🔑 You’ll play a key role by...
- Building the future Finance operating model by redesigning processes, governance and ways of working so Finance scales efficiently as Monzo continues to grow.
- Leading Finance transformation initiatives from idea through to implementation, delivering measurable improvements to efficiency, controls and the experience of stakeholders.
- Eliminating manual work through automation, partnering with Finance Data and Technology teams to streamline planning, reporting and governance processes so teams spend more time on analysis and decision making.
- Designing simple, well-controlled Finance processes that are easy to follow, consistently applied and meet Internal Audit and regulatory expectations.
- Owning Finance's model / process documentation and standards, ensuring policies, SOPs and process maps remain accurate, accessible and support operational resilience across the team.
- Driving continuous improvement using data, identifying process bottlenecks, measuring performance through KPIs and implementing practical solutions that improve speed, quality and customer experience.
- Partnering across Finance, Data, Technology and the wider business to understand challenges, influence priorities and deliver change that creates lasting value.
- Improving the quality of Finance data and planning models, working with Finance Systems and Data teams to strengthen governance, improve reporting accuracy and increase confidence in financial decision making.
- Managing the Finance change portfolio, coordinating multiple improvement initiatives, tracking delivery, managing risks and ensuring investment is focused on the highest-value opportunities.
- Helping build a culture of operational excellence, coaching colleagues on best practice, embedding standard ways of working and creating reusable tools and knowledge that make Finance more effective every day.
🤩 We’d love to hear from you if…
- Finance transformation experience with a proven track record of leading cross functional change that improves efficiency, governance and the effectiveness of operations.
- Process improvement expertise demonstrated through the ability to redesign business processes, simplify ways of working and deliver measurable operational improvements.
- Project and change management skills with experience delivering transformation initiatives, managing competing priorities and influencing stakeholders through change.
- Automation and technology mindset with the ability to identify manual processes, define automation opportunities and partner with technical teams to implement scalable solutions.
- Strong stakeholder management and communication with the ability to build trusted relationships, influence senior leaders and collaborate effectively across teams.
- Data governance and control knowledge with an understanding of risk management, process controls, audit requirements and the importance of well governed operations.
- Analytical and problem solving capability with the ability to use data and insight to identify root causes, evaluate options and implement practical, value adding solutions.
- Continuous improvement mindset with a passion for challenging the status quo, embedding best practice and creating a culture of operational excellence and learning.
🙌 What’s in it for you
💰£56,100 - £75,900 ➕ Incentive Awards tied to performance.
📍This role is based in our London office, with a hybrid working environment with flexible working from home arrangements and some in-person attendance. We're open to distributed working within the UK (with the expectation of occasional work from our London office for key meetings).
⏰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 3 key steps:
- Recruiter Screening Call.
- Role Specific Interview.
- Final Interview with Hiring Manager
Our average process takes around 3-4 weeks but we will always work around your availability.
We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.
#LI-TP1
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 😊