Customer Operations Specialist in Chatham

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

The Front-Line Operations Agent plays a vital customer-facing role, responsible for delivering high-quality support for a designated Lendable product, encompassing both general customer service and financial support. You will follow established processes to resolve a variety of complex customer queries, ensuring interactions are efficient, accurate, and empathetic—applying your cross-functional expertise across general service needs and more intricate financial support situations. By taking ownership of every enquiry from first contact to final resolution, you will not only deliver exceptional customer outcomes but also provide actionable feedback and insights to help improve our automated tools and AI-driven customer journeys. This role is key in ensuring our service continually evolves to better meet the needs of all customers. You’ll be based in our Chatham office, joining the team on-site three days a week. You’ll work two weekends a month, but to keep your work-life balance in check, you’ll get a day in lieu the week before to ensure you never work more than five days a week.

Key Responsibilities

• Deliver exceptional support for a designated Lendable product, expertly handling a full spectrum of customer service and financial support queries via multiple channels, efficiently executing established processes.
• Listen actively and provide clear, accurate responses, adapting communication style to each customer's needs, including those in vulnerable situations or with complex financial queries including customers in financial difficulty to ensure appropriate support solutions are implemented.
• Take end-to-end ownership of customer interactions, ensuring every query is managed through to effective resolution or appropriate escalation.
• Build rapport and trust while maintaining control of conversations, ensuring positive and compliant customer outcomes.
• Ask effective probing questions to understand a customer’s financial circumstances and identify appropriate support options.
• Work flexibly within your designated product area, adapting fluidly between general customer service and financial support requirements, and responding to varying service needs and complex customer queries.

Operational Excellence & Process Execution

• Meet and exceed targets and KPIs related to customer satisfaction, quality, and compliance by consistently following key operational procedures and applying appropriate judgement to specific customer circumstances.
• Effectively use AI and digital tools to streamline customer interactions and deliver faster, more accurate service.
• Identify blockers, process gaps, or recurring issues and communicate these to relevant teams, supporting continuous improvement initiatives.
• Log all interactions accurately and ensure data integrity for audit and learning purposes.

Continuous Improvement & Feedback

• Provide clear, actionable feedback from frontline experiences to enhance our knowledge base, training resources, and AI systems.
• Participate in process reviews and contribute suggestions to enhance the customer journey, automation, and operational efficiency.
• Remain up to date with ongoing system, product, and process changes, readily adapting to evolving procedures.

Learning & Development

• Respond positively to coaching and feedback, using it to improve performance and customer outcomes.
• Demonstrate initiative in learning new tools, products, and procedures as they are introduced.
• Share knowledge and support colleagues, helping to create a culture of collaborative learning.

Experience & Skills

• Previous experience in a contact centre environment, with demonstrated experience in both customer service and financial support roles (or a combined equivalent), particularly within financial services.
• Demonstrated ability to handle complex queries with empathy, accuracy, and ownership.
• Confident in following structured processes and able to identify opportunities to improve them.
• Strong communication, rapport-building, and conflict resolution skills.
• Skilled in using digital tools and comfortable adopting new technologies, including AI-driven platforms.
• Organised and able to manage multiple tasks in a fast-paced setting.
• Proactive in offering feedback and participating in process and AI improvement initiatives.

Behaviours & Approach

• Customer-focused, with a passion for delivering consistent, positive outcomes.
• Resilient, adaptable, and open to constant change and learning.
• Collaborative, supportive team player committed to shared success.
• High level of accountability and personal ownership for customer outcomes and process execution.
• Constructive, solutions-focused approach with willingness to challenge the status quo.

Perks & Benefits

• More Time to Unwind: Start with 25 days of holiday, plus extra days to reward your loyalty! Hit your 1-year milestone and get 26 days, or 27 days after 2+ years.
• Own a Share of Our Growth: You’ll receive Company Equity, meaning as we scale, you directly share in our financial success.
• Health & Wellbeing: Comprehensive private medical and dental insurance from day one.
• Smash Targets, Get Rewarded: Earn up to a £4,000 annual performance bonus based on hitting key team metrics and KPIs.
• Perks & Recognition via Reward Gateway: Access hundreds of exclusive employee discounts, alongside our brand-new recognition programme tied to our core competencies.
• Legendary Socials & Summer Events: Opportunities to connect and unwind with colleagues across the business.

Our Interview Process

We want to get to know you, and we want you to get to know us! Here is what you can expect:

• Step 1: Talent Screening Call - A quick chat with a member of our Talent Acquisition team to talk through your experience, what you are looking for, and answers to any initial questions you have.
• Step 2: Cognitive Assessment - A short, online assessment to help us understand your problem-solving style and cognitive strengths.
• Step 3: Onsite Interview & Role Preview - A 1-hour interview at our Chatham office.

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.
• 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.