Our Borrowing business is one of the fastest-growing parts of Monzo. From credit cards and personal loans to new lending products, we’re building simple, transparent ways for customers to borrow with confidence.
You’ll join a highly collaborative team where Credit works closely with Product, Engineering, Machine Learning, Finance and Risk. We move quickly, test ideas, learn from data and continuously improve the experience for our customers.
From day one, you’ll be part of the team. You’ll own meaningful work, solve real problems with data and help ship improvements that make borrowing better for our customers.
Over two years you’ll complete three eight-month rotations, giving you broad exposure to how modern credit works while helping you discover where your strengths lie.
Along the way, you’ll build technical skills, learn from experienced mentors and work on projects that have real business and customer impact. You’ll see your work make it into production, helping shape the lending products our customers use.
Depending on your rotations, you could work in areas such as:
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Credit Strategy - Help answer some of our biggest questions, like who we lend to, how much we lend, and how we can help more customers access credit responsibly. You’ll use data, experimentation and commercial thinking to turn those answers into action.
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Machine Learning - Help develop and improve the models that power our lending decisions, using machine learning and statistical techniques to create better outcomes for our customers.
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Regulatory Modelling - Build and maintain the models which help us understand future credit losses, manage capital and support Monzo’s continued growth.
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Credit Risk Assurance - Provide independent review and challenge of lending strategies and models, helping ensure our decisions remain robust, well-governed and customer-focused.
The programme is just the start. By the end of your rotations, you’ll have the skills and experience to continue growing your career across Borrowing at Monzo.