- Company: Monzo
- Location: London, UK (Hybrid)
- Job type: Full-time
- Salary: £56,100 – £70,000 + Incentive Awards
✅ Visa sponsor check: Monzo Bank Ltd (London) is on the UK Home Office register of licensed sponsors for Skilled Worker, Global Business Mobility: Senior or Specialist Worker (A rating), checked 11 November 2026. Being a licensed sponsor doesn’t guarantee sponsorship for this role: confirm it with the employer, and never pay anyone for a Certificate of Sponsorship.
About the role
Monzo is seeking a Senior Finance Analyst to take a leading role in managing operating expenses across its various business units. You will help business leaders understand financial performance, anticipate risks, and make informed spending decisions. This position involves independent ownership of an allocated cost portfolio, combining financial planning, forecasting, and commercial analysis. You will work directly with senior stakeholders, Finance Business Partners, and Procurement to improve financial performance and raise the standard of analysis within the team.
Responsibilities
- Independently own operating expense planning and forecasting for assigned areas, maintaining robust financial models and challenging business assumptions.
- Lead financial performance analysis by investigating complex variances, identifying underlying drivers, and translating findings into quantified risks and opportunities.
- Drive monthly business performance discussions by presenting decision-ready financial insights to senior stakeholders and securing agreement on actions.
- Provide financial analysis for material business decisions, including evaluating new investments, supplier commitments, and cost initiatives.
- Proactively identify and deliver cost efficiency opportunities by partnering with Procurement and business owners to challenge expenditure and track savings.
- Maintain strong financial control and forecasting discipline, overseeing the quality of month-end actuals, accruals, and forecast assumptions.
- Raise the capability of the wider analyst team by providing technical guidance, reviewing complex analysis, and supporting less experienced colleagues.
- Lead targeted improvements to financial processes and reporting, working with Finance Data to implement measurable improvements in accuracy and efficiency.
Requirements
- Strong hands-on experience in FP&A, commercial finance, or management accounting, including independent ownership of financial forecasts and reporting.
- High proficiency in Excel or Google Sheets, with experience building driver-based financial models, scenario analysis, and reconciliations.
- Demonstrated ability to challenge forecasts and identify underlying business drivers of financial performance, rather than relying solely on historical variance analysis.
- Experience preparing and presenting financial analysis to senior business stakeholders, explaining complex matters and influencing decisions.
- Experience evaluating business cases, supplier commitments, or cost initiatives, including quantifying financial impacts and tracking expected benefits.
- Demonstrated improvements to financial processes, forecasting models, or reporting, with measurable benefits such as improved accuracy or reduced manual effort.
- Experience helping develop the technical capability of colleagues through coaching, peer review, or sharing modelling techniques.
Pay and benefits
- Salary range of £56,100 to £70,000 plus Incentive Awards tied to performance.
- Hybrid working environment based in the London office, with flexible working from home arrangements and occasional in-person attendance for key meetings.
- Flexible working hours, trusting you to work enough hours to do your job well at times that suit you and your team.
- £1,000 learning budget each year for books, training courses, and conferences.
- Work-from-home setup support, including Macbooks and extra support for fully remote workers.
How to apply
Apply directly on Monzo’s own careers website. Omadaily never charges job seekers.
