Product Manager, Business Banking EU

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

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

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.

Barcelona, Spain | Base salary depending on experience + benefits | Hybrid model: 3 days a week in the office.

Business Banking team

Business Banking is on a mission to make money work for small businesses around the world. Since launching in 2020, Monzo has grown to be the bank of choice for over 800,000 UK businesses - voted by our customers as Britain’s recommended business account for overall service quality.

Role Overview

This is an exciting role for a product manager who loves getting close to customers, understanding local market nuance, and using that insight to improve product-market fit. You’ll focus on helping Monzo succeed in our European markets by working cross‑functionally with user research, data science, and marketing to identify the biggest customer and business opportunities, and working with teams across Monzo to solve them.

You’ll sit at the intersection of expansion, growth and new feature development. That means deeply understanding customer needs in specific markets, spotting where our proposition needs to be adapted, and driving the changes that will have the biggest impact on customer outcomes and business performance.

Responsibilities and Expectations

• Build a deep understanding of customer needs, behaviours and pain points in specific European markets.
• Develop a strong view of local market context, including customer expectations, competitive dynamics and product nuances.
• Work closely with data and user research to identify the biggest opportunities and challenges in each market.
• Partner with engineering, design, research, data, and marketing to shape and deliver localisations, product improvements and market‑specific changes.
• Collaborate with teams building globally‑used products to make sure our proposition works for local customers too.
• Define clear problems to solve, prioritise effectively, and focus on the opportunities with the highest potential impact.
• Run experiments, test quickly, and use evidence to iterate on solutions.
• Track performance against goals and use data to understand what is and isn’t working.
• You’ve shipped high‑quality digital products in a fast‑moving environment. Even better if you have experience in growth, expansion, or new market focussed product roles.
• You can work effectively with a diverse range of people and working styles – spanning engineering, design, data, user research, marketing, legal and compliance – to get stuff done.
• You’re highly customer‑focused and know how to turn insight into practical product changes.
• You’re data‑driven, enthusiastic about metrics, and have a proven track record of making an impact through experimentation and optimisation.
• You’re comfortable using both data and research to identify opportunities and make decisions.
• You enjoy working across discovery and delivery, from understanding problems to testing solutions in market.
• You’re able to work autonomously and make progress in ambiguous spaces.
• You get people inspired by the product vision and you share the right context with the right people at the right time.
• You’re excited by experimentation, and have strong instincts for how to learn quickly.
• You work well with a wide range of partners and disciplines to get things done.
• You can balance local market needs with the realities of working within a broader global product organisation.
• You care about delivering meaningful customer and business outcomes, not just shipping features.
• You’re excited by what we’re doing at Monzo.

Benefits

• Base salary depends on experience + benefits.
• 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 €1,200 a year for books, training courses and conferences.

Equal Opportunity Statement

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, veteran, neurodiversity or disability status.