Credit & Commercial Senior Analyst

Lendable; City Of London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A leading fintech company in London is searching for a Credit & Commercial Senior Analyst to drive commercial strategies in the motor finance team. You will use analytics to optimize pricing, improve funnel performance, and implement strategic decisions. The ideal candidate will have strong experience in credit risk and proficiency in Python and SQL. This role supports a collaborative culture and offers hybrid work arrangements.

Benefits

Best-in-class compensation, including equity

Flexible work-from-home options

Fully stocked kitchen

Private health insurance

Inclusive and open workspace

Qualifications

• Proven experience in credit risk or commercial strategy roles, ideally within consumer lending.
• A focus on delivering results that align with both commercial and customer needs.
• Experience working in marketing / growth roles is a plus, but not required!

Responsibilities

• Optimising our pricing strategy, how much to lend and at what interest rate.
• Improving our conversion funnel based on qualitative feedback and data insights.
• Collaborate cross-functionally to improve funnel performance.

Skills

Daily coding experience

Proficiency in Python

Proficiency in SQL

Credit risk experience

Commercial strategy experience

Strategic mindset

Collaboration skills

Tools

Python

SQL

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 newest unicorns with a team of just over 600 people
• Among 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 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
2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
3. 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 & Commercial Senior Analyst to work our commercial & pricing strategy in our motor finance team (Autolend). This role is suitable for someone who loves using strong analytics to optimise our business, improve funnel performance while still delivering a good portfolio return.

You’ll be entrusted with thought leadership on our commercial strategy, and have a large remit to set up and optimise our pricing to help achieve our objectives.

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.

Team's Objectives:

Autolend is building high performing portfolios, with bold growth targets and a commitment to responsible lending.

Your core responsibilities include:

• Optimising our pricing strategy, how much to lend and at what interest rate.
• Improving our conversion funnel, responding to qualitative feedback as well as data insights.
• Building a product that our customers and partners love.

How you'll impact those objectives

• Define our multi channel pricing & commercial strategy and continuously optimise it to grow the business while maintaining strong returns
• Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy
• Seek out novel strategies and commercial approaches we can take advantage of
• Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market
• Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance
• 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 or commercial strategy roles, 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 working in marketing / growth roles is a plus, but not required!

Interview Process

We’re not corporate, so we try our best to get things moving as quickly as possible.

• An initial phone conversation with a member of our team.
• Onsite interviews, including a practical case study and team conversations.
• A final discussion with a member of our executive leadership (C-suite).

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're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London

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