Controls Product Senior Manager

About the Position

🚀 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 ❤️

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📍Location: London/Cardiff/UK Remote | 💰Salary: £85,000 - £115,000 + Incentive Awards tied to your performance + Benefits ✨

Responsibilities

As a Senior Controls Product Manager, you will:

• Own the Controls Product Roadmap: Define the vision, strategy, and backlog for Monzo’s internal risk products, replacing static, manual cycles with smart, data-driven platforms (SmartSuite, Zango, Looker, and native AI integrations).
• Hands-on Prototyping & Automation: Directly design, prototype, and build automated workflows, API integrations, and low-code/no-code solutions. You'll take an idea from a problem statement to a working MVP before partnering with core Engineering (if necessary) to scale or industrialise it.
• Pioneer AI in Risk Management: Champion AI adoption across the discipline. Experiment with LLM prompting, custom agents, and automated evidence-gathering tools to solve complex control problems and dramatically reduce manual drag for Monzo staff.
• Build for Real-Time Risk Intelligence: Drive the shift from annual "point-in-time" assessments to continuous, automated monitoring. Design data triggers (e.g., incident spikes, change flags) that alert risk owners in real time.
• Product Enablement & Adoption: Ensure high-impact adoption. Work closely with first line risk owners and Risk Partners to deliver clear "write once" guidance, intuitive UI/UX workflows, and enablement that allows teams to self-serve effortlessly.
• Drive Execution & Delivery: Maintain momentum across the team’s delivery plan (guiding 2 specialised data/automation direct reports), keeping senior stakeholders engaged and removing blockers without bureaucratic overhead.

Requirements

• Product Management: You think like a Product Manager: You obsess over user problems, value vs. effort prioritization, user experience, and shipping MVPs quickly.
• Hands-On Builder: You are a hands-on builder: You can get under the hood with data and automation. You're comfortable with SQL, Python (or similar), APIs, workflow tools, or low-code environments to build a working prototype yourself.
• AI-Curious & Practical: You’re AI-curious & practical: You actively experiment with AI/LLMs to automate manual tasks and make workflows smarter.
• Understanding of Risk & Controls: You understand fundamental risk concepts (control design, RCSAs, issue management) and see the massive opportunity to transform them through tech.
• Thrive in Ambiguity: You thrive in ambiguity: You enjoy starting from first principles in a fast-paced environment and turning messy operational problems into slick, scalable digital solutions.
• Experience in Leading Teams: You have experience in leading teams through change programmes, ideally within Financial Services Controls functions.

We Offer

• Competitive Salary: £85,000 - £115,000 + Incentive Awards tied to your performance.
• Flexible Working: This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).
• Flexible Hours: 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.
• Learning Budget: £1,000 learning budget each year to use on books, training courses and conferences.
• Home Office Setup: 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 More: Read our full list of benefits.

About the Company

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 😊