Principal FP&A Analyst (Modelling)

About Lendable

Lendable is on a mission to build the world's best technology to help people get credit and save money. We are 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
• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)
• Backed by top investors including Balderton Capital and Goldman Sachs

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 a highly analytical Principal FP&A Analyst to develop the modelling and analytical engine that power planning, forecasting and performance reporting across the business. The role suits someone with strong quantitative capability and genuine commercial curiosity, who enjoys building and refining financial models. You will have broad exposure across multiple credit and non-credit products and geographies.

Key responsibilities:

• Build, maintain, and refine detailed financial models to support budgeting and forecasting across current and future products, including scenario, sensitivity, and stress-testing analysis
• Support the construction of robust rolling financial forecasts
• Produce and manage dashboards covering key operational and financial metrics used in performance analysis
• Analyse financial and operational data to identify trends, risks, and opportunities, translating analysis into clear, practical insights for management decision making
• Use Python, SQL, and other programming and analytics tools to work with large datasets to automate reporting
• Work with existing FP&A tools (Abacum), and use other machine learning tools where appropriate to improve the speed and efficiency of financial reporting
• Act as a primary finance partner to product data analysts and data platform engineers, aligning on metrics, data definitions and reporting
• Proactively explore other workflows across the wider finance team to identify opportunities to automate day-to-day activities for month end close, improving efficiency and reducing reporting timelines that have tangible impact for FP&A

About you:

• Strong academic background in a quantitative discipline such as mathematics, engineering, computer science or a related field
• Prior experience with financial modelling is preferred, with a grasp of P&L, Balance Sheet and Cash Flow statements
• Proficiency in coding - ideally both SQL and Python
• Someone that loves numbers! You’ll be working with numbers every single day in this role so you’ll be able to demonstrate your ability to work with complex data sets, analyse them and draw insights
• Clear interest in business and commercial drivers and how companies create value, with experience working in fintech or product led environments
• Comfortable using AI tools (for example, Claude, Gemini) with sound judgement around their appropriate use and limitations
• Able to communicate analysis clearly and pragmatically to non-technical stakeholders
• Comfortable operating in a fast-paced, evolving work environment

The interview process:

• A quick remote call with one of the hiring team and follow-up 15 minute cognitive assessment
• A technical take home task
• A 90 minute on site case study interview
• A 30 minute remote session with a member of the senior leadership 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 are an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London