{"id":76029,"url":"https://alion.io/job/monzo-product-director-flex-borrowing","title":"Product Director, Flex (Borrowing)","company":{"id":5428,"name":"Monzo","domain":"monzo.com","url":"https://alion.io/company/monzo","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"B","score":80,"open_postings":36,"ghost_share":0,"stale_share":0.806,"repost_share":0,"time_to_fill_p50_days":22,"computed_at":"2026-10-10T05:45:15Z"}},"role":"Product","role_family":"Product","seniority":"head","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"explicit","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":167000,"max_usd":304000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":10},"experience_years_min":null,"visa_sponsorship":true,"relocation_package":false,"has_equity":true,"technologies":[],"status":"live","first_seen_at":"2026-04-02T17:47:39Z","employer_posted_date":"2026-10-01","last_verified_at":"2026-10-12T04:21:35Z","board_verified":true,"closed_at":null,"days_open":192,"trust":{"level":"stale","repost_count":1,"flags":["stale"],"days_open":191},"description":"We’re on a mission to make money work for everyone.\nWe’re waving goodbye to the complicated and confusing ways of traditional banking.\nAfter 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. \nWith 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!\nWe’re not about selling products - we want to solve problems and change lives through Monzo\nLondon / UK | Salary dependent on experience + Stock Options + Benefits \nFlex 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.\nWe’re looking for a Product Director to lead Flex into its next phase of growth.\nThis is a high-impact, deeply commercial role at the intersection of product and credit. You’ll define how we scale borrowing responsibly, expand into new segments, and continue building products customers genuinely love.\nYou’ll work closely with Engineering, Credit, Data, Design, and senior leadership to identify new opportunities, optimise performance across complex segments, and deliver at pace.\nWhat you’ll be working on…\nSet the strategy for Flex\nSet direction for one of Monzo’s most important revenue-driving products\nIdentify and unlock new commercial opportunities across customer segments\nNavigate complex trade-offs between growth, risk, and customer outcomes\nDrive commercial performance\nWork closely with Credit teams to shape propositions across multiple risk segments and cohorts\nInterrogate performance deeply - from unit economics to long-term profitability curves\nIdentify and drive new commercial opportunities\nChampion the customer\nEnsure Flex remains rooted in strong customer outcomes, not just revenue\nPush for simple, transparent, and delightful experiences\nAdvocate for customer experience alongside commercial outcomes\nBuild and lead a high-performing team\nManage and develop a team of Product Managers\nDeliver multiple high-impact initiatives through your direct reports\nRaise the bar on product thinking and foster a culture of high standard and high velocity\nWhat We’re Looking For\nCommercial Thinking \nStrong commercial instinct - you think in terms of trade-offs, economics, and outcomes\nComfortable operating in complex environments (e.g. multiple segments and cohorts with different commercials)\nAble to engage deeply with Credit and Data partners\nExperience in lending, credit cards, or adjacent borrowing products \nConsumer Focus\nYou start with the customer never lose track of their needs\nYou’re willing to challenge revenue-driven decisions when they conflict with good customer outcomes\nYou have strong product taste and care deeply about experience quality\nExecution & Leadership \nProven ability to deliver in fast-paced environments with multiple workstreams\nComfortable going deep in the detail while leading through others\nStrong cross-functional leadership across technical, credit, and governance stakeholders\nWhat’s in it for you:\nBase salary dependent upon experience + Stock Options + Benefits\nWe can help you relocate to the UK \nWe can sponsor visas\nThis role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).\nWe offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.\nLearning budget of £1,000 a year for books, training courses and conferences\nAnd much more, see our full list of benefits here\n#LI-AC1\nEqual opportunities for everyone\nDiversity 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.\nWe’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.\nIf you have a preferred name, please use it to apply. 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