Senior Credit Risk Manager - Loans

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 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 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 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 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. 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 highly analytical, technically strong Senior Credit Manager to join our U.S. team. In this role, you will help drive a step-change in how we measure, test and understand the performance of our U.S. loans business. You’ll work horizontally across Credit, Data Science, Product, Engineering and Capital Markets to ensure we are making statistically sound, customer-friendly and commercially intelligent decisions. This is a high-impact, high-autonomy role. You will own core analytical infrastructure that underpins how we improve credit strategy, evaluate tradeoffs, and scale profitably. The role is ideal for someone who thrives in ambiguity, is comfortable going deep into technical detail, and can translate rigorous analysis into decisions that move the business. WHAT YOU’LL BE DOING 1) Own our Testing Ecosystem (Experimentation + Statistical Rigor) - Own the end-to-end testing ecosystem for credit and product decisions including experimentation design, implementation standards, and result interpretation - Ensure we are collecting the right data, in the right structure, to answer high-priority questions - Establish statistically sound testing practices across teams - Develop repeatable frameworks for evaluating tradeoffs between conversion, risk, yield, and customer outcomes - Partner with Product/Engineering to ensure experimentation tools and logging support robust measurement (not fragile analyses after the fact) 2) Build Best-in-Class Monitoring & Analytics Suite (Performance + Economics) - Build and own a cohesive monitoring and analytics suite that provides a nuanced, end-to-end view of the business - Ensure we have clear visibility into credit performance, unit economics, funnel & underwriting performance - Develop tooling that lets us diagnose issues early and confidently - Create a “single source of truth” performance narrative that can be relied on by senior leadership for decision making 3) Drive Portfolio Valuation & Forecasting (Decision Support Across the Business) - Help build and continuously improve our approach to portfolio valuation, performance forecasting, and expectation-setting - Produce credible valuations / forward-looking performance views that inform: - Credit strategy and policy changes - Capital markets funding conversations - Growth scaling decisions - Product prioritisation and roadmap tradeoffs - Ensure valuation approaches are grounded in high-quality assumptions, are transparent, and are calibrated to observed performance Build clear frameworks for answering: what is the portfolio worth, how does it change under different strategy choices, and where are we taking risk? 4) Be Hands-On With Data & Influence Decision Making - Be comfortable being hands-on with data: drive your own analysis, build models/tools where needed, and turn analysis into crisp recommendations (SQL required; Python strongly preferred) - Communicate complex insights clearly to technical and non-technical stakeholders - Operate with an ownership mindset: identify the biggest analytical blind spots and drive improvements proactively (not only when asked) WHAT WE’RE LOOKING FOR Essential skills - Strong hands-on analytics ability — comfortable pulling data yourself and using it to drive decisions (strong SQL & Python required) - Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, segmentation, guardrails) - Strong understanding of credit performance and unit economics in lending - Experience building monitoring / performance reporting and diagnosing portfolio performance changes - Strong commercial judgment: can balance customer outcomes and business profitability; comfortable with ambiguity and tradeoffs - Strong stakeholder management and communication — able to influence cross-functionally and up to senior leadership - Ownership mindset and high standards for analytical quality and integrity Desirable - Experience in U.S. personal loans, ideally in FinTech - Familiarity with underwriting strategy, risk models, and credit policy design - Experience partnering with Capital Markets / finance stakeholders on valuation, forecast, or funding decisions - Experience working with data engineering / analytics engineering teams (dbt, warehouse structures, instrumentation) - Familiarity with fairness/fair lending concepts and monitoring frameworks - Experience implementing AI tools to power business monitoring 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/!