Senior Treasury Capital 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 ❤️

📍Dublin, Ireland | 💰€100,000 - €130,000,  Incentive Awards tied to your performance➕ benefits

⭐Our Finance team

We are looking for a dynamic Treasury Capital Manager in Dublin to become a key part of the team building the new Monzo European entity. Reporting into the Director of Treasury and Capital, you will shape, develop and implement the Capital management process and infrastructure in tandem with supporting the growth and strategic development of the business. As well as skills and experience in Treasury and Capital Management, the ability to adapt, be creative and work in a fast paced environment with wider Group colleagues will be essential talents as the business grows.

As part of a new and growing team, the Treasury Capital Manager will be responsible for ensuring that Monzo effectively manages its capital and ensuring compliance with regulatory requirements in Europe. This is an opportunity to be part of something from the start and make a real difference.

🔑 You’ll play a key role by…

- Lead the planning and production of Monzo Europe’s ICAAP in line with regulatory capital requirements.

- Develop capital plans and forecasts, including stress testing and scenario analysis.

- Lead the planning and implementation work in line with Monzo’s recovery and resolution requirements including the Recovery Plan and Solvent Wind Down Plan.

- Identify the impact of prudential regulatory change and supporting relevant teams to assess and adapt to the challenges.

- Optimise the capital structure and allocation to support growth and strategic objectives.

- Prepare and present regular financial reports and forecasts to senior management.

- Building strong relationships with internal teams such as the business/product collectives to optimize the bank's capital structure and funding strategies.

- Provide operational coverage for the Director of Treasury and Capital during holidays.

🤩We’d love to hear from you if you have…

- A bachelor's degree in Finance, Economics, Accounting, or a related field. A Master’s degree or professional qualification (e.g., CFA, ACA, ACCA) is preferred.

- A minimum of 5 years of experience in Treasury Capital management, within the banking sector, a consultancy, or regulatory body.

- Have detailed knowledge/experience of the European regulatory requirements, and the ability to interpret what that means for the relatively unique circumstances of our bank.

- Have the ability to coordinate, participate and lead projects to produce regulatory deliverables and maintain the Bank’s set of prudential documentation and supporting materials.

- Excellent analytical, problem-solving, and decision-making skills.

- Strong leadership abilities and experience in working across dispersed teams.

- Exceptional communication and interpersonal skills.

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!

🙌What’s in it for you

💰A salary range of €100,000 - €130,000 ➕Incentive Awards tied to your performance.

📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week.

⏰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 - 34 days including public holidays (24 holiday days + 10 public holidays)

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

🏥Private healthcare scheme

💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛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

- An introductory call with a member of the Monzo Recruitment team

- An initial call with the hiring manager

- A series of role specific, behavioural & leadership principles 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-ÉS1

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 😊