Senior Credit Analyst

Job description

## 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 most exciting unicorns with a team of over 800 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](https://uk.trustpilot.com/review/lendable.co.uk)) 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 1. **Take ownership:** you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. **Work in small teams of exceptional people:** Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions 3. **Build the best technology in-house**: we use 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 condition**s. - 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 ## 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.* Check out our [blog](https://blog.lendable.co.uk/)!