At a Glance
- Tasks: Lead a team to optimise credit decisioning and drive impactful change in consumer finance.
- Company: Join Lendable, a fast-growing fintech unicorn revolutionising credit access.
- Benefits: Flexible working, health coverage, retirement plans, and delicious office meals.
- Other info: Dynamic team culture with opportunities for social connection and career growth.
- Why this job: Make a real impact in a collaborative environment with cutting-edge technology.
- Qualifications: Experience in credit risk strategy and proficiency in Python and SQL 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)
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 Credit Risk Manager to lead a team of analysts, to help drive meaningful change in one of our consumer finance products in the UK or US 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.
Your Team’s Objectives
Our credit teams are building high performing portfolios, with bold growth targets and a commitment to responsible lending.
Core Responsibilities
- 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 SQL ideally.
- Proven experience in credit risk strategy, 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 leading and developing junior analysts.
Interview Process
- An initial phone conversation with a member of our team.
- On-site interviews, including a practical case study and team conversations.
- A final discussion with a member of our executive leadership (C-suite).
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, socialize, 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.
Credit Risk Manager employer: Limelight Health
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 growth, flexible working arrangements, and comprehensive health benefits, Lendable fosters a collaborative culture that values creativity and teamwork, making it an ideal place for those looking to advance their careers in the fintech industry.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Manager
✨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 brushing up on your coding skills in Python and SQL. Practice common credit risk scenarios and be ready to showcase how you can make data-driven decisions.
✨Tip Number 3
Show off your collaborative spirit! Lendable values teamwork, so be ready to discuss how you've worked with others to solve complex problems and drive results in your previous roles.
✨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 being part of our mission.
We think you need these skills to ace Credit Risk Manager
Some tips for your application 🫡
Show Your Analytical Skills:As a Credit Risk Manager, we want to see your analytical prowess right from the start. Use your application to highlight specific examples where you've successfully used data to drive decisions or solve complex problems.
Tailor Your Application:Make sure to customise your CV and cover letter for this role. We’re looking for someone who understands credit risk strategy, so weave in relevant experiences that align with our mission and the job description.
Be Authentic:We value a collaborative and open approach, so let your personality shine through in your application. Share your passion for fintech and how you can contribute to our team’s objectives.
Apply Through Our Website:To make sure your application gets the attention it deserves, apply directly through our website. It’s the best way for us to see your interest and enthusiasm for joining Lendable!
How to prepare for a job interview at Limelight Health
✨Know Your Numbers
As a Credit Risk Manager, you'll need to be comfortable with data. Brush up on your knowledge of credit risk metrics and be ready to discuss how you've used data to make decisions in the past. Prepare examples that showcase your analytical skills and how they’ve led to successful outcomes.
✨Showcase Your Coding Skills
Since coding in Python and SQL is crucial for this role, be prepared to demonstrate your proficiency. You might be asked to solve a coding problem during the interview, so practice common coding challenges related to data analysis and credit risk modelling to show you can think on your feet.
✨Understand the Market
Lendable is focused on the UK and US markets, so do your homework on the current economic conditions and trends in consumer lending. Be ready to discuss how these factors could impact credit strategies and what innovative solutions you might propose to adapt to changing environments.
✨Emphasise Collaboration
This role involves working closely with various teams, so highlight your collaborative experiences. Share specific examples of how you've successfully worked with product, engineering, or operations teams in the past to implement credit strategies, and be open about how you handle differing opinions.
