Credit Risk Manager

Lendable; Greater London; Hybrid; GBP 60,000 - 80,000; Full time

Benefits offered by this job

Best-in-class compensation including equity

Work-from-home flexibility

Fully stocked kitchen with meals and snacks

Private health insurance coverage

Job summary

A leading fintech company in Greater London is seeking a Credit Risk Manager to optimize credit decisioning and lead a team of analysts. This role requires daily coding in Python and SQL, as well as experience in credit risk strategy. Candidates should possess a strategic mindset and a collaborative approach to meet commercial and customer needs. Competitive compensation including equity and flexible work arrangements offered.

Qualifications

• Experience in credit risk strategy, ideally within consumer lending.
• Capable of translating complex data into clear decisions.
• Collaborative approach and willingness to challenge assumptions.

Responsibilities

• Optimise credit decisioning processes.
• Assess external economic conditions.
• Develop models for forecasting returns.

Skills

Python coding experience

SQL coding experience

Credit risk strategy experience

Data analysis

Strategic mindset

Leadership of junior analysts

Job description

Join to apply for the Credit Risk Manager role at Lendable

About Lendable

Lendable is on a mission to build the world’s best technology to help people get credit and save money. We are among the leading fintech companies in the UK, profitable since 2017, and backed by top investors such as Balderton Capital and Goldman Sachs. Our customers love us: 4.9 rating across tens of thousands of Trustpilot reviews.

• One of the UK’s newest unicorns with a team of just over 600 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)

Role Overview

We’re looking for an analytically‑mindful Credit Risk Manager to lead a team of analysts and drive meaningful change in our consumer finance products in the UK or USA. The role demands a data‑driven mindset, comfort with coding, and a passion for solving complex problems.

Responsibilities

• Optimise credit decisioning: who to lend to, how much to lend, and at what interest rate.
• Assess and adapt to external economic conditions.
• Develop and own models that forecast returns and guide investor reporting.

Impact

• 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.

Qualifications

• Daily coding experience 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.
• Onsite interviews, including a practical case study and team conversations.
• A final discussion with a member of our executive leadership (C‑suite).

Benefits

• The opportunity to scale up one of the world’s most successful fintech companies.
• Best‑in‑class compensation, including equity.
• Work‑from‑home every Monday and Friday if desired; in‑office days in our Shoreditch office for UK team members.
• Enjoy a fully stocked kitchen with breakfast, lunch, snacks, and drinks every Tuesday‑Thursday.
• Coverage for private health insurance to support your well‑being.
• We’re an equal‑opportunity employer and are committed to making Lendable the most inclusive workspace in London.

Equal Opportunity Statement

Lendable is an equal‑opportunity employer. We value diversity and encourage all qualified candidates to apply.