Credit Risk Manager

About Lendable

Lendable is on a mission to make consumer finance amazing:

faster, cheaper, and friendlier.

We''re building one of the world’s leading fintech companies and are off to a strong start:One of the UK’s newest unicorns with a team of just over 600 people

Among the

fastest-growing tech

companies in the UK

Profitable since

2017

Backed by top investors including

Balderton Capital

and

Goldman Sachs

Loved by customers

with the best reviews in the market (4.9 across 10,000s of reviews on

Trustpilot

)

So far, we’ve rebuilt the Big Three consumer finance products from scratch:

loans, credit cards and car finance . We get money into our customers’ hands in minutes instead of days.We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks

with dated systems and painful processes.Join us if you want to

Take ownership

across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1

Work in small teams of exceptional people,

who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting

About The RoleWe’re looking for an analytically-minded

Credit Risk Manager

to lead a team of analysts, to help

drive meaningful change

in one of our consumer finance products in the UK or USA markets. This role is ideal for someone who is

confident with data, comfortable coding , and eager to solve complex problems.You''ll be part of a

collaborative, ambitious organisation

where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance.Your team''s objectivesOur credit teams are building

high performing portfolios , with bold growth targets and a commitment to responsible lending.Within the credit function, our core responsibilities include:Optimising credit decisioning : who to lend to, how much to lend, and at what interest rate.

Assessing and adapting to

external economic condition s.

Developing and

owning models

that forecast returns and guide investor reporting.

How you''ll impact those objectivesDefine and refine credit strategies

that align with our evolving portfolio goals.

Discover insights from data

using tools like Python and SQL to address key business questions.

Collaborate cross-functionally

with product, engineering, data, and operations teams to implement strategies.

Monitor and assess the success of implemented strategies

and continuously identify areas for improvement.

What you''ll need to succeedDaily coding experience,

with proficiency in

Python

and

SQL

ideallyProven experience in

credit risk strategy , ideally within consumer lending.

A strategic mindset and the ability to translate complex data into clear, actionable decisions.

A focus on delivering results that align with both commercial and customer needs.

A collaborative, open approach and a willingness to challenge your own assumptions

Experience leading and developing junior analysts

Interview ProcessWe’re not corporate, so we try our best to get things moving as quickly as possible.An initial phone conversation with a member of our team.

Onsite interviews, including a practical case study and team conversations.

A final discussion with a member of our executive leadership (C-suite).

Life at Lendable

The opportunity to scale up one of the world’s

most successful fintech companies .

Best-in-class compensation , including equity.

You can work from home every

Monday and Friday

if you wish - on the other days, those based in the UK come together IRL at our

Shoreditch office in London

to be together, build and exchange ideas.

Enjoy a

fully stocked kitchen

with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.

We care for our

Lendies’ well-being

both physically and mentally, so we offer coverage when it comes to private health insurance

We''re an

equal-opportunity

employer and are looking to make Lendable the most inclusive and open workspace in London

Check out ..... full job details .....