Credit Risk Manager

Lendable Ltd; London; Hybrid; GBP 40,000 - 80,000

Job description

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 a super-smart senior analyst/credit risk manager who is great with numbers and loves problem-solving to come and have a big impact on our business. We want someone who has coding experience and uses it (ideally Python and SQL) on a daily basis to generate insights from data and use that insight to drive meaningful change in our UK cards business. You'll be working for an ambitious company, in a fast-paced environment, with minimal bureaucracy.

Your team's objectives

• The credit card team is building a near prime cards portfolio with ambitious targets.
• In the credit team, we are looking to optimise who we offer credit to, how much we should lend to them, what interest rate we should charge, and how the wider economic environment impacts those decisions.
• We also own various models, which we use to forecast returns for our investors.

How you'll impact those objectives

• Define the credit strategy for our evolving portfolio.
• Discover insights from data and develop strategies to answer the big questions and address key business questions.
• Collaborate with a wider cross-functional team to implement your strategies in the market.
• Monitor and assess the success of implemented strategies, and continuously discover further opportunities for improvement.

What you'll need to succeed

• Daily coding experience, with proficiency in Python and SQL ideally.
• Proven experience in shaping credit card strategies.
• Understanding what truly matters and driving business outcomes.
• A natural inclination to challenge the status quo and question your own assumptions.

Interview Process

• We're not corporate, so we try our best to get things moving as quickly as possible.
• For this role, we'd expect:
• A quick phone call with one of the team.
• Onsite interviews including case studies and meeting the team.
• C-suite interview.

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, we all come together IRL 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 our blog!