Senior Credit Analyst

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.

Responsibilities

• 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.
• 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.

Qualifications

• 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.

Benefits

• Flexible working: hybrid roles require three days in-office weekly; fully remote roles include 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: private health cover for physical and mental wellbeing.
• 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: fully stocked kitchen, plus complimentary lunches on in-office days at select locations.
• Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations.

About Lendable

Lendable is a fintech company focused on building technology to help people get credit and save money. We are growing rapidly in the UK and US markets.

#J-18808-Ljbffr…