Senior Credit Risk Manager - Cards

ABOUT LENDABLE

Lendable is on a mission to build the world's best technology to help people get credit and save money. 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 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 https://uk.trustpilot.com/review/lendable.co.uk)

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 Senior Credit Risk Manager to join the US Cards Credit team. This is a high-ownership role where you'll shape how we make, measure, and value credit decisions, partnering closely with data science, product, engineering, and capital markets to drive meaningful impact across the portfolio.

OUR CORE RESPONSIBILITIES

• Build a high-performing credit card portfolio with ambitious growth targets and a commitment to responsible lending

• Optimize credit decisioning including who to lend to, limits to set, and rates to offer

• Define and refine credit strategies that align with evolving portfolio goals, staying ahead of economic trends and adapting accordingly

• Own the end-to-end testing ecosystem — experimentation design, implementation standards, and statistically sound result interpretation

• Build and own a monitoring & analytics suite that gives a clear, end-to-end view of credit performance and unit economics, and serves as a single source of truth for senior leadership

• Develop and own models that forecast returns, value the portfolio, and drive investor reporting

• Discover data-driven insights using Python and SQL to address key business questions

• Collaborate cross-functionally with product, engineering, data, and operations teams to implement and improve strategies

• Continuously monitor the effectiveness of credit strategies and identify areas for improvement

WHAT YOU'LL NEED TO SUCCEED

• Daily coding experience with Python and SQL

• Proven experience in credit risk strategy within finance, ideally within consumer lending

• Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, guardrails)

• Strong understanding of credit performance and unit economics in lending

• Strategic thinking and ability to translate complex data into clear, actionable decisions

• Results-focused mindset balancing business and customer needs

• Collaborative, growth mindset and willingness to challenge your own assumptions

• Strong sense of ownership and proactive problem-solving attitude

INTERVIEW PROCESS

• Call with a recruiter (30 minutes)

• Cognitive Test (15 Minutes)

• Take-home coding exercise + Task debrief (60 minutes)

• Case study interview (60 minutes)

• Culture-add interview (30 minutes)

LIFE AT LENDABLE

• Winning team: the opportunity to scale up one of the world’s 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.

Check out our blog https://blog.lendable.co.uk/!