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)
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 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 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.
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