Case Studies

Problem

Monzo wanted to expand into SME lending but lacked an on-balance-sheet lending strategy. They needed a scalable, risk-compliant roadmap that aligned with their digital-first approachwhile ensuring robust risk management.

Solution

Geltzo led the end-to-end SME lending strategy, spearheading product development, risk framework design, and launch execution. The approach focused on:

• ✅Seamless digital lending experience – Ensuring frictionless onboarding & access for SMEs
• ✅Robust credit risk controls – Aligning lending decisions with Monzo's compliance and risk appetite
• ✅Modular product roadmap – Designed for long-term scalability and future lending expansion

Impact

• 🚀Concept to MVP in just 6 months – Fast-tracked Monzo's SME lending launch
• 📈Expanded Monzo's product suite – Unlocking multiple future lending opportunities
• 💡Established a scalable foundation – Setting the stage for long-term SME lending growth

Problem

Dojo's off-balance sheet SME lending business had stagnated, with growth plateauing after initial success. To unlock the next phase of expansion, Dojo needed a revitalised strategy that would:

• Expand beyond existing distribution channels to reach new SME segments
• Introduce product innovations to improve adoption and differentiation
• Optimise customer operations to drive efficiency and scalability

Solution

Geltzo delivered a multi-pronged growth strategy, working across product, GTM, and commercial expansion:

• ✅Product enhancements – Redesigned the lending experience to increase take-up rates
• ✅New distribution channels – Expanded into untapped SME segments and embedded finance partnerships
• ✅Empowered customer operations – Introduced automation & tools to improve SME servicing efficiency

Impact

• 📊Lending portfolio scaled from £170M to £400M in just 12 months
• 📈Expanded distribution – Opened new channels to sustain long-term growth
• 💰Profitability boost – Lending business contributed 12% of Dojo's overall EBITDA