Senior Credit Risk Analyst

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

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 Senior Credit Risk Analyst to join the US Cards Credit team (Zable) in Virginia. This is a new role where you’ll have the opportunity to own early stage projects and drive meaningful impact collaborating with the data science, product, and engineering teams.

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

• Stay ahead of economic trends, adapting strategies accordingly

• Develop and own models that forecast returns and drive investor reporting

• Define and refine credit strategies that align with evolving portfolio goals

• 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

• 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

• Phone call with a recruiter

• Take-home coding exercise

• Onsite or Video Interviews:

  • Discuss the exercise you completed

  • Case study

  • Meet the team

Life at Lendable

• The opportunity to scale up one of the world’s most successful fintech companies.

• Best-in-class compensation, including equity.

• You can work from home every Monday and Friday if you wish - on the other days, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas.

• Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.

• We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance

• We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London

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