Discoverscale with soulEx-COO of Monzo: What Collapses When You Scale Too Fast
Ex-COO of Monzo: What Collapses When You Scale Too Fast

Ex-COO of Monzo: What Collapses When You Scale Too Fast

Update: 2025-12-11
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Cherrypick Discount Code: https://alpha.lollipopai.com/codes/soul50


Tom Foster Carter is the Ex-COO of Monzo and a serial entrepreneur. He joined Monzo as COO at Series A and helped them scale to become a £1 billion unicorn, before leaving to start his next startup Cherrypick.


He's a startup and business weapon which you can tell through this interview where we cover...


Episode Chapters:

0:00 - 0:53 - Intro

0:54 - 9:27 - Monzo: What broke as they scaled?

9:28 - 18:55 - Hiring lessons - 30-1000 employees

18:56 - 22:47 - Don’t set Values, set Operating Pinrciples

22:48 - 41:01 - Speed as a habit; Kipchoge, not Bolt

41:02 - 53:14 - Speed is a habit; Data not Debate

53:15 - 58:58 - Pains of going from free to paid

58:59 - 1:02:42 - How to spot shifts in the VC landscape

1:02:35 - 1:09:05 - How has he developed as a leader

1:09:06 - 1:15:25 - How are you kind in firing people?

1:15:26 - 1:20:39 - Top lessons from Monzo & Curve

1:20:40 - 1:24:54 - His secret sauce to startups


If you liked this episode, you'll probably love;


One Of Europe's Largest EdTech Exits - Busuu $436m | Bernhard Niesner

https://www.youtube.com/watch?v=VRA3nboz9V0&t=1558s


Nick Jenkins - The Marketing Secrets Behind The $Billion Business

https://www.youtube.com/watch?v=fgDJtTNTxvs


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Ex-COO of Monzo: What Collapses When You Scale Too Fast

Ex-COO of Monzo: What Collapses When You Scale Too Fast

AJ