About Lendable
Lendable is on a mission to build the world’s best technology to help people get credit and save money. We’re one of the UK’s newest unicorns, a team of just over 600 people, profitable since 2017, backed by top investors including Balderton Capital and Goldman Sachs, and loved by customers with 4.9‑star Trustpilot reviews.
Join us if you want to
- Take ownership across a broad remit and drive material impact on the direction and success of Lendable from day one.
- Work in small teams of exceptional people, relentlessly resourceful to solve problems and find smarter solutions.
- Build cutting‑edge technology in‑house using new data sources, machine learning and AI to automate heavy lifting.
About The Role
We’re looking for an analytically‑mindful 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 confident with data, comfortable coding, and eager to solve complex problems.
Your team’s objectives
Our credit teams are building high‑performing portfolios with bold growth targets and a commitment to responsible lending.
Core Responsibilities
- Optimise credit decisioning: who to lend to, how much to lend, and at what interest rate.
- Assess and adapt to external economic conditions.
- Develop and own models that forecast returns and guide investor reporting.
How You’ll Impact Those Objectives
- Define and refine credit strategies aligned with evolving portfolio goals.
- Discover insights from data using 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 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 willingness to challenge your own assumptions.
Interview Process
- Initial phone conversation with our Talent Team.
- Case study interviews.
- Onsite interview with Head of Credit and logistical reasoning task.
Life at Lendable
- Opportunity to scale up one of the world’s most successful fintech companies.
- Best‑in‑class compensation, including equity.
- Work from home every Monday and Friday if you wish, with in‑office days at our Shoreditch office in London.
- Fully stocked kitchen every Tuesday‑Thursday.
- Coverage for private health insurance.
- We’re an equal‑opportunity employer and are working to make Lendable the most inclusive workspace in London.
Job details
Seniority level: Mid‑Senior
Employment type: Full‑time
Job function: Finance and Sales
Location: London, England, United Kingdom
Salary: £60,000.00–£80,000.00
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