Credit Analyst Intern (Jan 2027)

Lendable; Greater London; Hybrid; GBP 43,000 - 53,000; Full time

Job summary

Lendable is seeking a Credit Analyst intern for a 12-week program starting 5 January 2027. The role focuses on turning data into actionable lending insights, modelling future default scenarios, and supporting decision-making in a fast-growing fintech startup.

The internship offers hands-on experience with data analytics, NPVs, and collaboration with product/tech teams to impact lending strategy. Salary is £48,000 per annum.

Qualifications

• Must have coding skills in Python or SQL.
• Loves numbers and can work with large data sets.
• Natural curiosity to understand how things work.
• Startup mindset in a fast-growth tech environment.

Responsibilities

• Generate key insights from data to drive strategic changes.
• Model NPV and predict future default rates for lending decisions.
• Use data analytics to decide who and how much to lend as the economy shifts.
• Conduct hypothesis testing to improve lending strategy, pricing, and fraud detection.
• Present findings to senior leaders and collaborate with product/tech to implement.

Skills

Python

SQL

Numbers

Curiosity

Startup mindset

Job description

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 most exciting unicorns with a team of over 800 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

1. Take ownership: 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: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions

3. Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

About the role

This is a 12 week internship program starting from 5th January 2027

Salary - £48,000 (per annum)

Thinking about a move into credit? Our 3-month Credit Analyst internship is built for early-career professionals from any background who want to test-drive the role before committing to a change.

We’re looking for a someone who is great with numbers and loves problem solving to come and apply your skills in a start up environment and have a big impact on our business and how we do things.

What you'll be doing

• Use your analytical and problem-solving skills to generate key insights from data, and use that insight to drive meaningful change in our strategy

• Using data and modelling to ground assumptions for our NPV model, such as predicting what default rates will be in the future, and using that to inform our lending deicsions

• Using data and analytics to drive decisions about who we should lend to, and how much we should lend to them, and how that changes with the economy and competition changes

• Conducting hypothesis testing, and using your findings to change how we do things in areas such as lending strategy, pricing, and fraud detection

• Presenting your findings to senior leaders in the company, then work with the product/tech team to get them implemented

What we're looking for

• Must have coding skills in Python or SQL

• 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

• You’ll have a natural curiosity and love to dig into things to understand how they work

• Startup mindset. We’re a fast-growth tech startup so you’ll be super excited to work in an entrepreneurial environment and have a real impact on the business

Interview Process

• 15-minute online test

• Coding Take Home Task

• Remote (video call) Task Debrief (60 mins)

• Remote (video call) case study (60 mins)

• In-person case study (60 min) + Culture Add Conversation (15 minutes) + a chance to meet other recent grads over lunch (30-45 minutes)

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.

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