Credit & Commercial Senior Analyst

We're looking for an analytically-minded Credit & Commercial Senior Analyst to work on our commercial & pricing strategy in our motor finance team (Autolend). This role is suitable for someone who loves using strong analytics to optimise our business, improve funnel performance while still delivering a good portfolio return. You'll be entrusted with thought leadership on our commercial strategy and have a large remit to set up and optimise our pricing to help achieve our objectives. 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.

Autolend is building high performing portfolios, with bold growth targets and a commitment to responsible lending. Your core responsibilities include:

• Optimising our pricing strategy, how much to lend and at what interest rate.
• Improving our conversion funnel, responding to qualitative feedback as well as data insights.
• Building a product that our customers and partners love.
• Defining our multi-channel pricing & commercial strategy and continuously optimising it to grow the business while maintaining strong returns.
• Discovering insights from data using tools like Python and SQL to find opportunities and optimise our strategy.
• Seeking out novel strategies and commercial approaches we can take advantage of.
• Obsessing over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market.
• Collaborating cross-functionally with product, engineering, data, and our external partners to improve funnel performance.
• Monitoring and assessing the success of implemented strategies and continuously identifying areas for improvement.

We're not corporate, so we try our best to get things moving as quickly as possible.

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.

Daily coding experience, with proficiency in Python and SQL ideally.

Proven experience in credit risk or commercial strategy roles, ideally within consumer 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.

Experience working in marketing / growth roles is a plus, but not required!

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.

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.