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 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 1Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quoBuild the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy liftingAbout the role
We're looking for a Sr. Credit Risk Analyst to join the US Cards Credit team. This is a new role where you'll have the opportunity to own early stage projects and drive meaningful impact collaborating with the data science, product, and engineering teams.
Our core responsibilities
Build a high-performing credit card portfolio with ambitious growth targets and a commitment to responsible lendingOptimize credit decisioning including who to lend to, limits to set, and rates to offerStay ahead of economic trends, adapting strategies accordinglyDevelop and own models that forecast returns and drive investor reportingDefine and refine credit strategies that align with evolving portfolio goalsDiscover data-driven insights using Python and SQL to address key business questionsCollaborate cross-functionally with product, engineering, data, and operations teams to implement and improve strategiesContinuously monitor the effectiveness of credit strategies and identify areas for improvementWhat you'll need to succeed
Daily coding experience, with Python and SQLProven experience in credit risk strategy within finance, ideally within consumer lendingStrategic thinking and ability to translate complex data into clear, actionable decisionsResults-focused mindset balancing business and customer needs.Collaborative, growth mindset and willingness to challenge your own assumptionsStrong sense of ownership and proactive problem-solving attitudeInterview process
Phone call with a recruiterTake-home coding exerciseOnsite or Video Interviews :Discuss the exercise you completed
Case studyMeet the teamLife 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 insuranceWe're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in LondonCheck out our blog!