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About the Role
We are looking for a Product Director to lead the Flex credit card product into its next phase of growth. This is a high-impact, commercial role focused on scaling borrowing responsibly, expanding into new segments, and building customer-loved products.
Responsibilities
- Set the strategy for Flex
- Set direction for one of Monzo’s most important revenue-driving products
- Identify and unlock new commercial opportunities across customer segments
- Navigate complex trade-offs between growth, risk, and customer outcomes
- Drive commercial performance
- Work closely with Credit teams to shape propositions across multiple risk segments and cohorts
- Interrogate performance deeply — from unit economics to long-term profitability curves
- Identify and drive new commercial opportunities
- Champion the customer
- Ensure Flex remains rooted in strong customer outcomes, not just revenue
- Push for simple, transparent, and delightful experiences
- Advocate for customer experience alongside commercial outcomes
- Build and lead a high-performing team
- Manage and develop a team of Product Managers
- Deliver multiple high-impact initiatives through your direct reports
- Raise the bar on product thinking and foster a culture of high standard and high velocity
Requirements
- Strong commercial instinct — you think in terms of trade-offs, economics, and outcomes
- Comfortable operating in complex environments (e.g. multiple segments and cohorts with different commercials)
- Able to engage deeply with Credit and Data partners
- Experience in lending, credit cards, or adjacent borrowing products
- You start with the customer never lose track of their needs
- You’re willing to challenge revenue-driven decisions when they conflict with good customer outcomes
- You have strong product taste and care deeply about experience quality
- Proven ability to deliver in fast-paced environments with multiple workstreams
- Comfortable going deep in the detail while leading through others
- Strong cross-functional leadership across technical, credit, and governance stakeholders
Skills
- Product Management
- Credit
- Data Analysis
- Commercial Strategy
- Customer Focus
- Execution
- Leadership
Location
- London
- UK
Work Type
- Distributed working within the UK
- Flexible working hours
Experience Level
- Dependent on experience
Salary/Compensations
- Dependent on experience
Benefits
- Stock Options
- Relocation assistance to the UK
- Visa sponsorship
- Flexible working hours
- Learning budget of £1,000 a year
About the Company
- We’re on a mission to make money work for everyone.
- We’re waving goodbye to the complicated and confusing ways of traditional banking.
- Our product offering has grown a lot in the last 10 years in the UK.
- We offer personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK.
- 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 ❤️
- Flex is one of Monzo’s fastest-growing and most commercially significant products.
- Four years ago, we reinvented the credit card experience—building something simpler, more transparent, and genuinely useful.
- Today, over a million customers use Flex.
Equal Opportunity
- 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.