At a Glance
- Tasks: Drive meaningful change in consumer finance products using data and coding skills.
- Company: Join one of the UK's fastest-growing fintech companies with a collaborative culture.
- Benefits: Flexible working, health coverage, office meals, and retirement savings plans.
- Other info: Enjoy a dynamic environment with opportunities for socialising and professional growth.
- Why this job: Make a real impact on credit strategies and enhance portfolio performance from day one.
- Qualifications: Proficiency in Python/SQL and experience in credit risk strategy required.
The predicted salary is between 60000 - 80000 € per year.
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
- 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
- Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
- 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 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.
Credit 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 conditions.
- 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
- On-site 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
The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.
Senior Credit Analyst employer: hackajob
Lendable is an exceptional employer, offering a dynamic work environment where innovation thrives and employees are empowered to make impactful decisions from day one. With a strong focus on employee wellbeing, flexible working arrangements, and opportunities for professional growth, Lendable fosters a collaborative culture that values creativity and resourcefulness, making it an ideal place for those looking to contribute to the future of fintech in a meaningful way.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Analyst
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those at Lendable. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for your interviews by diving deep into Lendable's products and values. Show us you understand our mission and how your skills can help us build the best tech for credit solutions.
✨Tip Number 3
Practice coding challenges in Python and SQL. We want to see your analytical skills in action, so brush up on those coding abilities before your case study interview!
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you're genuinely interested in joining our team at Lendable.
We think you need these skills to ace Senior Credit Analyst
Some tips for your application 🫡
Show Your Analytical Skills:As a Senior Credit Analyst, we want to see your analytical prowess shine through in your application. Use specific examples from your past experiences that highlight your ability to work with data and solve complex problems.
Tailor Your Application:Make sure to customise your CV and cover letter for the role at Lendable. Highlight your experience with credit risk strategy and coding skills in Python or SQL, as these are key to what we’re looking for.
Be Clear and Concise:When writing your application, keep it straightforward and to the point. We appreciate clarity, so avoid jargon and make sure your key achievements stand out. This will help us quickly see how you can contribute to our team.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands and shows us you’re serious about joining our mission at Lendable.
How to prepare for a job interview at hackajob
✨Know Your Numbers
As a Senior Credit Analyst, you'll be dealing with data all the time. Brush up on your key metrics and be ready to discuss how you've used data to drive decisions in the past. Be prepared to explain your thought process behind credit strategies you've developed.
✨Showcase Your Coding Skills
Since coding is a big part of this role, make sure you’re comfortable discussing your experience with Python and SQL. Bring examples of projects where you’ve used these skills to solve complex problems, and be ready for any technical questions that might come your way.
✨Understand Lendable's Mission
Familiarise yourself with Lendable’s mission and values. Be ready to discuss how your experience aligns with their goal of building innovative financial products. Showing that you understand their market position and challenges will set you apart from other candidates.
✨Prepare for Case Studies
The interview process includes case studies, so practice analysing credit risk scenarios. Think about how you would approach real-world problems they might face. This will not only demonstrate your analytical skills but also your ability to think critically under pressure.
