About Lendable
Lendable is on a mission to build the worlds best technology to help people get credit and save money. Were building one of the worlds leading fintech companies and are off to a strong start:
One of the UKs newest unicorns with a team of just over 700 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, weve 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.
Were growing fast, and theres a lot more to do: were 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 role
Were looking for an analytically-minded Senior Credit Risk Analyst ready to support driving meaningful change in our consumer finance products in the USA markets. This role is ideal for someone who is confident with data, comfortable coding, and eager to solve complex problems.
Youll 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 teams objectives
Our 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 conditions.
Developing and owning models that forecast returns and guide investor reporting.
How youll 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 youll need to succeed
Daily coding experience, with proficiency in Python and/or SQL
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
An initial phone conversation with our Talent Team
Case study interviews
Onsite interview with Head of credit + logistical reasoning task
Life at Lendable
Winning team: the opportunity to scale up one of the worlds most successful fintech companies
Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites
Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls
Health coverage: support for your physical and mental wellbeing, including private health cover
Retirement & savings: long-term financial wellbeing through retirement savings plans
Employee referral programme: earn a competitive bonus when you refer successful new team members
Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations
Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.
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