Senior Finance Business Partner

Monzo Referrals Inc.

Job Overview

Location

Cardiff, London or Remote (UK)

Job Type

Full-time

Full Job Description

📋 Description

• Join Monzo Referrals Inc. as a Senior Finance Business Partner, a pivotal role within our growing Finance team, specifically the Commercial Finance division. This position offers a unique opportunity to shape the financial trajectory of a dynamic business area, managing its P&L and Balance Sheet to achieve ambitious financial plans. You will be instrumental in supporting strategic financial decisions, driving performance improvements, and ensuring robust financial controls.
• As the primary liaison between the business and the Finance Collective, you will embody the 'single point of contact' for your designated business area. This involves taking full end-to-end ownership of the P&L, balance sheet, funding, and capital, ensuring seamless integration with all finance functions.
• Cultivate and nurture trusted, collaborative relationships with the leadership teams of the business areas you support. Demonstrate genuine curiosity about their products, marketing strategies, and operational intricacies, with a keen focus on understanding and influencing growth levers and profitability drivers.
• Actively drive and optimize commercial performance by deeply engaging with product and customer strategies. This includes contributing to pricing decisions, conducting rigorous scenario analysis, and delivering insightful performance analytics to guide strategic choices.
• Hold business leadership accountable for delivering against forecast performance. Proactively assist them in course-correcting when necessary and in anticipating future risks and opportunities, ensuring the business remains agile and resilient.
• Lead the preparation of comprehensive bottom-up forecasts, encompassing both short-term and long-range planning horizons. Collaborate closely with the FP&A team to support the annual planning cycle and rigorous stress-testing exercises.
• Partner with the Treasury team to inform sophisticated customer behavioral analysis, providing crucial financial insights. Work in tandem with Financial Control to determine and document specific accounting judgments, ensuring accuracy and compliance.
• Take responsibility for the product-level pricing model framework, ensuring that all pricing strategies align with and meet the company's financial performance hurdles and objectives.
• Analyze and articulate actual financial performance, providing clear explanations to support the FP&A team and Investor Relations in crafting compelling narratives for stakeholders.
• Contribute significantly to the overall Monzo equity story, helping to articulate the company's financial health and growth potential to investors and the wider market.
• Support the development and growth of a highly competent and motivated team of financial analysts. Set clear objectives, foster professional development, and ensure they are well-equipped to partner effectively with existing and emerging business units.
• Lead business partnering efforts for your specific area, acting as a key representative of the company’s commercial dynamics and financial performance to the broader finance team and executive leadership.
• This role requires a proactive, analytical, and commercially astute individual who thrives in a fast-paced environment and is passionate about driving financial excellence and strategic growth. You will be a key player in ensuring Monzo's continued success and market leadership.

🎯 Requirements

• Demonstrable experience in financial business partnering, with a proven track record of influencing business decisions and driving financial performance.
• Qualified with a relevant professional qualification (e.g., ACA, ACCA, CIMA, or equivalent).
• Strong financial modelling skills, with advanced proficiency in Excel and/or Google Sheets.
• Excellent analytical and problem-solving abilities, with a capacity to identify trends, diagnose issues, and recommend actionable solutions.
• Strong communication, interpersonal, and influencing skills, with the ability to engage effectively across diverse internal functions to develop, prioritize, gain buy-in, and deliver outcomes.
• Ability to confidently present data in a meaningful and effective way, understanding end-user needs and tailoring presentations accordingly.
• Experience building strong, trusted relationships with stakeholders at all levels of an organization.
• Proven experience in building business cases, presenting, and debating investment choices.
• Demonstrated ability to be hands-on and enjoy supporting colleagues, projects, or tasks of varying sizes.
• Strong attention to detail and organizational skills, with the ability to support the development of new processes and streamline existing ones for efficiency.
• SQL and data analysis experience, along with experience using forecasting tools.

🏖️ Benefits

• Competitive salary range of £84,200 - £99,000 per annum.
• Share options offering a stake in the company's success.
• Flexible working hours and a trust-based approach to working hours, allowing for work-life balance.
• £1,000 annual learning budget for books, training courses, and conferences to support professional development.
• Opportunity to work in a dynamic and innovative fintech environment.
• Choice of working location: London, Cardiff, or fully remote within the UK, with occasional travel to the London office as needed.

Skills & Technologies

Senior

Remote

£84k-99k

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Monzo Referrals Inc.

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About Monzo Referrals Inc.

Monzo Referrals is a SaaS platform that enables businesses to create, automate and optimize customer-referral programs. The system provides customizable widgets, tracking links, fraud detection, analytics dashboards and rewards management to increase acquisition through word-of-mouth. Integrations with Shopify, Stripe, Klaviyo and Zapier allow rapid deployment without code changes, while RESTful APIs support deeper customization. Clients range from e-commerce stores to subscription services seeking scalable growth via incentivized referrals.

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