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TS Anil describes his first year as chief executive of Monzo as a storm. Since he was appointed to lead the challenger bank in May 2020, he’s been running it remotely from his home office halfway across the world, all while the business went through an existential crisis. “In hindsight, it all feels pretty daunting,” he says. Anil has recently moved back to London, but before then he was in Palo Alto, California, working from 3am to match UK time and reassure staff, whom he had never met, that he was in control. It was a hard task. Shortly before he became CEO, Monzo made 285 people redundant, shuttered its Las Vegas office, and furloughed a further 295 people in the UK. Plummeting activity from its customers forced Anil to seek between £70 million and £80m in funding to see Monzo through the pandemic, causing its valuation to be slashed by 40 per cent. In the background, we now know that former CEO and founder Tom Blomfield, who had taken on the role of president, was tryi

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