Fraud & Disputes Specialist

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

As a Fraud & Disputes Specialist, you'll be at the forefront of protecting our credit card customers and business from financial crime, playing a vital role in our Fraud and Financial Crime Team.

You'll have end-to-end ownership of complex investigations, making a direct impact on customer experience, and the effectiveness of our UK & US card products.

Key Responsibilities

• End-to-End
• Case

Ownership: Investigate and resolve complex third‑party credit card fraud, consumer card disputes (including Section 75 claims), and chargebacks, ensuring meticulous accuracy and compliance with Mastercard guidelines.

• Customer‑Centric

Resolution: Communicate empathetically and clearly with customers throughout the process, managing challenging scenarios like account takeovers and scams with professionalism and sound judgment.

• Operational Excellence & Digital

Adoption: Execute structured processes using our digital systems, proactively identifying trends and suggesting improvements to controls, workflows, and automation opportunities.

You’ll be a champion for new technologies, helping us work smarter and faster.

• Continuous

Learning: Stay ahead of emerging fraud typologies, regulatory changes, and new operational tools, sharing your expertise and contributing to a collaborative, improvement‑focused team environment.

• Your Experience & Skills
• Essential: Prior experience working with credit or debit card fraud, disputes, or chargebacks.
• Advantageous: Good working knowledge of scheme rules (especially Mastercard) and relevant regulatory standards in the UK and/or USA.
• Ability to confidently navigate and resolve complex customer scenarios with empathy and professionalism.
• Strong organisational and prioritisation skills, thriving in a fast‑paced and change‑driven environment.
• Digitally savvy and eager to embrace automation and new technologies.
• Detail‑oriented and process‑driven, with a knack for spotting inefficiencies and suggesting practical improvements.
• Excellent written and verbal English communication skills.

Your Profile & Approach

• Customer‑Focused: Deeply committed to customer protection and delivering positive outcomes.
• Accountable: Takes personal ownership for every case and champions process enhancements.
• Proactive & Solutions‑Oriented: Open to new approaches, including automation and digital transformation.
• Constructive & Collaborative: Eager to identify better ways of working and contribute to a supportive team culture.
• Maintains the highest standards of confidentiality, integrity, and compliance.
• Interview Process
• A 15 minute Cognitive Assessment
• A 30 minute call with a member of the Talent team
• An onsite Interview and assessment with the Fraud & Disputes Manager
• Interview with the Head of Fraud and Financial Crime
• 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

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

#J-18808-Ljbffr