Secured Lending Risk & Credit Strategy Lead

Lendable Ltd; Greater London; Hybrid; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Flexible working

Socials & connection

Health coverage

Retirement & savings

Employee referral programme

Office meals & snacks

Sustainable commuting

Job summary

Lendable Ltd. is expanding with a foundational hire to own credit strategy for a second charge mortgage product. The role focuses on risk, pricing, and policy, collaborating with product, engineering, legal, and commercial teams to shape a scalable secured lending platform.

You will lead underwriting policy, scoring, and automated decisioning while balancing growth and portfolio quality in a fast-growing fintech environment.

Qualifications

• Experience in secured lending credit risk, second charge mortgages or similar secured products.
• Built or contributed to scorecards, pricing frameworks, or credit policy.
• Understanding of funding constraints and LTV covenants.
• Regulatory knowledge: MCOB and FCA.
• Analytical mindset with data and MI.

Responsibilities

• Define credit policy and underwriting strategy for second charge mortgages.
• Own risk scoring, pricing, and policy design.
• Balance growth with portfolio quality using data insights.
• Develop IRR/NPV/cashflow models for the asset.
• Design automated decisioning logic and integrate with platform.
• Collaborate with Capital Markets on funding parameters.
• Ensure valuation methods and compliance with regulations.
• Monitor portfolio performance and report to leadership.
• Work cross-functionally with product, eng, legal, and compliance.
• Hands-on across full credit lifecycle.

Skills

Secured lending risk

Credit risk scoring

Pricing models

Regulatory awareness

SQL

Python

Analytical thinking

Tools

SQL

Python

Job description

Lendable Ltd. is expanding with a foundational hire to own credit strategy for a second charge mortgage product. The role focuses on risk, pricing, and policy, collaborating with product, engineering, legal, and commercial teams to shape a scalable secured lending platform.

You will lead underwriting policy, scoring, and automated decisioning while balancing growth and portfolio quality in a fast-growing fintech environment.