Payment Operations Manager

🚀 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 ❤️

📍Madrid, Spain | 💶 €53,400 - €65,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨

⭐ About the role

Are you a dynamic problem solver who thrives on building things from scratch? In this role you will help design, build and run Monzo’s European payments capabilities as we expand across Europe. You’ll be setting up and managing a multitude of partnerships, leading complex implementation projects, building operational processes that are fit to scale globally, and working closely with product and engineering teams across Payments and EU teams. You will own our Payments Product Operations in Spain, but will support Monzo’s expansion efforts into new markets.

🔑 You’ll play a key role by...

• Supporting partner selection and owning relationships with new partners and payment schemes.
• Managing payment scheme implementation projects, onboarding and adherence processes.
• Partnering with payments engineering and EU product teams to build, launch, and run new payment systems in Europe.
• Building new back office processes to manage and scale EU payment systems.
• Seeking out and prioritising issues to facilitate continuous improvement for out customer post-launch.
• Establish processes to manage performance for our partners and operations.

🤩 We’d love to hear from you if…

• You have experience working with payment systems and schemes, particularly within Spain.
• You’re familiar with payments regulations that apply to banks within Europe.
• You’re a self starter, proactive, have a strong sense of ownership, and thrive on ambiguity.
• You have experience managing relationships with a wide range of suppliers.
• You can build and scale complex operational systems.
• You have strong strategic reasoning; able to balance and prioritise short and long term tradeoffs.
• You’re comfortable getting into the details of technical systems and working with engineering teams.
• You love solving complex problems and have a track record of managing performance and SLAs.
• You have built strong relationships and collaborate with partners to reach alignment and resolve issues.
• You can drive clarity amidst ambiguity and focus on the things that matter.
• You are organised and have managed complex projects with multiple stakeholders.
• You are analytical and make data driven decisions.

🙌 What’s in it for you

💰A salary range of €53,400 - €65,000 + Incentive Awards tied to your performance.

📍This role will have a hybrid working model, based in our Madrid office 2 - 3 days a week. You may also be required to travel to some of our other locations/offices, such as Barcelona and Dublin.

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

🏝 Annual Leave - 38 days including public holidays.

📚€1,200 learning budget each year to use on books, training courses and conferences.

🏥 Private healthcare scheme.

💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling.

🌈 The application journey has 3 key steps

• A short call with a Monzo recruiter
• A video-call with the Hiring Manager
• 2 hours of focus area interviews

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 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-MOS1

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 😊