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Finance Operations Senior Analyst

Cardiff

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After 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. 

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 ❤️

 

📍Cardiff | 💰£44,200 - £59,800 + incentive award tied to performance | Benefits | Hear from the team ✨ 

⭐ Our Financial Operations Team:

Our team sits within Monzo’s Finance collective, our job is to ensure we pay our suppliers & employees on time, ensuring invoices are posted correctly in the ledger. We work closely with the Financial Control team to ensure the figures are correct for month end, as well as supporting Tax with their reporting. We’re currently a team of 8 based in our Cardiff & London offices. 

You’ll be working on all aspects of Accounts Payable & Accounts Receivable, ensuring our invoices & employee expenses are processed & approved in line with policy, ensuring day-to-day process runs smoothly and accurately, stakeholder queries are resolved within our SLAs, assisting with reporting. Timely preparation of month end tasks to ensure a smooth month end close. 

We have some really exciting challenges coming up like a new expenses system Concur implementation, the introduction of Purchase Orders across the Business,  expanding into Europe, pushing forward with our automation plans, continuing to grow our customer base, growing our lending business and adding to our marketplace. You’ll work on scaling Monzo in a controlled way, while helping us optimise our financial control processes with the help of technology. You’ll report to our Financial Operations Manager

🔑 You’ll play a key role by…

  • Team Leadership & Management: Deputize for the Financial Operations Manager, directing daily work tasks for the team and stepping in as acting lead when required. Directly manage junior team members, setting performance goals and conducting appraisals to foster professional growth.
  • Process Automation & System Implementation: Serve as the primary point of contact for financial system implementations and automation initiatives, ensuring seamless adoption and integration into daily tasks.
  • Performance Metrics & Documentation: Establish, define, and monitor team performance metrics. Champion continuous improvement by creating, updating, and maintaining robust process documentation and internal controls.
  • Financial Operations & Control: Oversee multi-currency invoice reviews across UK, EU, and US subsidiaries for accounts payable & accounts receivable. Review and approve payment runs, ensuring strict compliance with company policy and timely supplier payments.
  • Treasury & Tax Support: Oversee weekly and monthly bank reconciliations and provide critical support to the Accounts Receivable function, VAT reporting, and corporation tax processes. 
  • Stakeholder & Ad-Hoc Management: Manage key internal and external stakeholder relationships. Efficiently resolve complex team inquiries and deliver ad-hoc financial reporting, such as deep-dive supplier spend analyses.

🤩 We’d love to hear from you if…

  • You have experience in managing junior members of Accounts Payable & Receivable functions, with tax or treasury experience a bonus.
  • SAP Hana experience would be a bonus but not essential if you can adapt to new systems easily (e.g. SAP and G-suite functionality).
  • You love the challenge of learning new things and getting stuck in.
  • You have a great eye for detail and delight in investigating and solving issues for people.
  • You thrive in a dynamic and constantly evolving environment.
  • You’re a self-starter and are hands-on.
  • What we’re doing at Monzo excites you!

🙌What’s in it for you

💰£44,200 - £59,800➕ incentive award tied to performance. 

📍This role can be based in our Cardiff office, but we're open to distributed working within the UK (with ad hoc meetings in London & Cardiff).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚 Learning budget of £1,000 a year for books, training courses and conferences

🏡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup

➕ And much more, see our full list of benefits here

🌈 The application journey has 3 key steps

  • Recruiter Call.
  • Role Specific Interview.
  • Behavioural Interview. 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-TP2

Equal opportunities for everyone

Diversity 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.

We’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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

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