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 toTake 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
We’re looking for an analytically-minded Senior Credit Risk Analyst ready to support driving meaningful change in our consumer finance products in the UK or USA markets. 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 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 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/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
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
Check out our blog!
Top Skills
What We Do
Lendable is a lending platform that makes borrowing money effortless. Using technology, we have trimmed the fat from the traditional loan application process. The result allows us to make an instant decision, offer personalised rates, and transfer funds within minutes. We look beyond applicants' credit score, offering loans to people with less-than-perfect credit histories, and charging them less than banks. This way, we provide fair rates to a wider range of borrowers. Once customers have accepted our quote, we deposit their loan within minutes. Because our technology is brand new. Unlike banks, who use huge systems built at a time when the world was different. The internet has made commerce faster, cheaper and safer. Time for finance to step up
