Senior Finance Analyst

• Join Monzo as a Senior Finance Analyst in the Costs Team, working hybrid from London with flexibility to work from elsewhere in the UK. • Take a leading role in managing operating expenses across Monzo's Collectives and Disciplines. • Help business leaders understand financial performance, anticipate emerging risks and make better-informed spending decisions. • Own an allocated cost portfolio independently, combining financial planning, forecasting, performance management and commercial analysis. • Work directly with senior business stakeholders, Finance Business Partners, Procurement and the wider Cost Efficiency team. • Help raise the standard of financial analysis by supporting less experienced analysts and improving how the team forecasts, reports and manages costs.

• Bring strong hands-on experience in FP&A, commercial finance or management accounting, including independent ownership of forecasts, management reporting and performance analysis. • Show high proficiency in Excel or Google Sheets, including driver-based financial models, scenario analysis and reconciliations that other Finance colleagues can review with confidence. • Demonstrate experience challenging forecasts and identifying the underlying business drivers of financial performance, rather than relying solely on historical variance analysis. • Show experience preparing and presenting financial analysis to senior business stakeholders, challenging assumptions and influencing decisions. • Bring experience evaluating business cases, supplier commitments or cost initiatives, including quantifying financial impacts and tracking expected benefits. • Show measurable improvements you have made to financial processes, forecasting models or reporting, such as better accuracy, less manual effort or stronger controls.

• Show experience coaching or mentoring colleagues to develop their technical capability. • Bring experience sharing modelling techniques or reviewing the work of peers to improve analysis quality. • Have experience working with Procurement teams to challenge supplier spend and deliver savings. • Show experience working with Finance Data teams to improve data quality and reporting.

• Own operating expense planning and forecasting for your allocated Collectives and Disciplines, building robust financial models and explaining material movements in the full-year position. • Lead financial performance analysis, investigating complex variances across cost lines, suppliers and business activities and turning findings into quantified risks, opportunities and recommendations. • Drive monthly business performance discussions, presenting decision-ready financial insight to senior stakeholders and securing agreement on actions. • Provide financial analysis for material business decisions, including new investments, supplier commitments, organisational changes and cost initiatives. • Identify and deliver cost efficiency opportunities, partnering with Procurement and business owners to quantify savings and track delivery against agreed baselines. • Maintain financial control and forecasting discipline, overseeing the quality of month-end actuals, accruals, assumptions and commentary, and escalate material risks early. • Raise the capability of the wider analyst team by providing technical guidance, reviewing complex analysis and sharing best practice. • Lead targeted improvements to financial processes and reporting, working with Finance Data to improve accuracy, efficiency and scalability.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £56,100–£70,000 plus incentive awards tied to your performance. • Work in a hybrid setup based at the London office, with flexibility to work from home or elsewhere in the UK and occasional office visits for key meetings. • Enjoy flexible working hours, with trust to work at times that suit you and your team. • Use a £1,000 annual learning budget for books, training courses and conferences. • Receive a MacBook and a home working setup, with extra support for fully remote workers. • Access a wider benefits package listed on the Monzo careers page.

Monzo is a UK digital bank on a mission to make money work for everyone. Starting as a prepaid card, it has grown over the last 10 years to offer personal, business, joint and kids accounts, credit cards, savings, investments and pensions. It is known for its hot coral cards, financial education and award-winning customer service.