Job Title: Senior Finance Business Partner (Commercial Finance)

About Monzo

Monzo is on a mission to make money work for everyone, moving away from the complexities of traditional banking. Over the past decade, Monzo has evolved from a prepaid card to a comprehensive financial platform, offering personal and business accounts, joint accounts, accounts for 16-17 year olds, free kids accounts, and credit cards in the UK. We also provide savings, investments, and pension consolidation services. Known for our distinctive hot coral cards, get-paid-early feature, financial education content, and award-winning customer service, Monzo consistently creates positive customer experiences.

The Commercial Finance Team

Our growing Finance team is seeking a Senior Finance Business Partner to join the Commercial Finance division, specifically supporting the Marketing and Growth teams. This role involves managing the P&L and Balance Sheet to achieve the financial plan, supporting strategic financial decisions, and driving performance improvements. You will own the end-to-end financials and financial controls for your designated business areas, enjoying the challenge of supporting and challenging business initiatives, building business cases, evaluating investment choices, and analyzing data for strategic insights.

Your Key Responsibilities

• Serve as the primary point of contact between the business and finance departments.
• Take end-to-end ownership of the Growth and Marketing budget, including all associated costs (brand, performance, non-working) and new customer growth forecasts.
• Cultivate trusted relationships with the business leadership team by demonstrating genuine curiosity about products, marketing, and operations, and engaging with key growth levers and profitability drivers.
• Drive and optimize the commercial performance of the Growth and Marketing Collective through actionable insights on acquisition performance, Customer Acquisition Cost (CAC), customer quality, Lifetime Value (LTV), and payback periods.
• Hold business leadership accountable for forecast delivery, assisting them in course correction and anticipating future risks and opportunities.
• Lead the preparation of bottom-up forecasts (short and long-range), collaborating with the FP&A team for planning and stress-testing cycles.
• Analyze and explain actual financial performance to support FP&A and Investor Relations in crafting the appropriate narrative.
• Contribute to Monzo's overall equity story.
• Support the development of a highly competent and motivated team of financial analysts, setting clear objectives for ongoing development to partner with existing and new businesses.
• Lead business partnering for your specific area and represent the company’s commercial dynamics to the wider team.

We’d Love to Hear From You If You Have:

• Demonstrable experience in financial business partnering, ideally with prior experience supporting Marketing and/or Growth teams.
• A relevant professional qualification (e.g., ACCA, CIMA, ACA).
• Strong financial modeling skills (advanced Excel/Google Sheets/Anaplan).
• Excellent analytical and problem-solving abilities, with a capacity to identify trends, issues, and recommend actions.
• Strong communication, interpersonal, and influencing skills, with the ability to engage across various internal functions to develop, prioritize, gain buy-in, and deliver outcomes.
• The ability to confidently present data effectively, understanding end-user needs and tailoring presentations accordingly.
• Experience building strong, trusted relationships with stakeholders at all levels.
• Experience in building business cases, presenting, and debating investment choices.
• A hands-on approach and a willingness to support colleagues, projects, or tasks of varying sizes.
• Strong attention to detail and organizational skills, with experience in developing new processes and streamlining existing ones for efficiency.
• Demonstrated experience with SQL, data analysis, and using forecasting tools.

What’s In It For You

• Salary: £84,200 - £99,000 per annum.
• Incentive awards tied to your performance.
• Location: London office.
• Flexible working hours: Trust in you to work the hours needed to succeed, at times that suit you and your team.
• £1,000 annual learning budget for books, training courses, and conferences.
• Home working setup support: Macbooks provided, with additional support for fully remote workers.
• Comprehensive benefits package: Explore our full list of benefits here.

Application Journey

The application process consists of 4 key steps:

1. Phone call with recruiter (30 minutes).
2. Video call with hiring manager (30 minutes).
3. Video call with hiring manager + member of finance (45 minutes).
4. Video call with business stakeholders (45 minutes).

This process is expected to take approximately 3-4 weeks. We prioritize flexibility and will accommodate your schedule.

Diversity & Inclusion

Monzo prioritizes diversity and inclusion, fostering an inclusive environment where all individuals can achieve their best work. This commitment is integral to our mission. Read more in our blog, 2024 Diversity and Inclusion Report, and 2024 Gender Pay Gap Report.

As an equal opportunity employer, we consider all applicants without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity, or disability status. Please use your preferred name during the application process; full or birth names are not required at the application stage.

AI Usage Guidelines

Monzo provides guidelines on using Artificial Intelligence (AI) to enhance applications and interviews. Read them here.

Contact & Closing

For questions, please reach out to hiring@monzo.com. This email can also be used to request accommodations for the application process due to disability, neurodiversity, or other needs. The role will remain open until sufficient applications are received for the next stage; please submit your application promptly.

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