Credit Risk Manager - Cards

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 500 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

1. 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

2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

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

About The Role

We’re looking for an analytically-minded Credit Risk Manager (or a senior analyst ready to take the next step) to help drive meaningful change in our UK credit card business. 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 objectives

Our credit card team is building a high-performing near-prime cards portfolio, 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 conditions.

• Developing and owning models that forecast returns and guide investor reporting.

How you'll impact those objectives

• Define 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 succeed

• Daily coding experience, with proficiency in Python and SQL ideally 

• Proven experience in credit risk strategy, ideally within credit card 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

Interview Process

We’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

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