Analyst

Lendable Ltd; United States; Hybrid; USD 90,000 - 150,000; Full time

Benefits offered by this job

Flexible working

Hybrid roles

Health coverage

Retirement & savings

Office meals & snacks

Job summary

Lendable is a fast-growing fintech, delivering pricing and credit analytics in a hybrid work environment. You will contribute to pricing models, funnel optimisation and risk-based strategies, collaborating with credit and product teams to improve decision making.

You will use Python, ML techniques and large datasets to build and refine pricing solutions, with ownership of tasks and opportunities to impact product and profitability.

Qualifications

• Experience using Python (pandas, numpy, scikit-learn) and SQL.
• Theoretical understanding of core ML techniques and statistical principles.
• Strong numerical and analytical skills, comfortable working with large datasets.
• Confident communicator and contributes effectively within a team environment.
• Self-driven and willing to take ownership of specific tasks and analyses.
• 1-2 years' experience in a technical, analytical or data-focused role.

Responsibilities

• Work on pricing, funnel and credit optimisation in the UK Loans team.
• Collaborate with credit and product teams to inform pricing decisions.
• Communicate results clearly to stakeholders and share knowledge with the team.

Skills

Python

Pandas

NumPy

scikit-learn

SQL

Credit risk exposure

Data Engineering

Pricing modelling

Tools

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 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 https://uk.trustpilot.com/review/lendable.co.uk)

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 team

Lendable is the UK market leader in real rate risk-based pricing, offering consumers transparency and product assurance at the point of application. Data Science and Analytics sits at the heart of this, developing the credit risk models and strategies to underwrite loan and credit card products.

Our team is primarily focused on the pricing domain but we also work on other areas including product and credit. We implement a range of machine learning techniques and analytical tools to continually improve our product offering.

About the role

You will be working in the UK Loans team at Lendable and will work on projects related to pricing, funnel and credit optimisation in collaboration with the credit and product teams.

Join us if you want to

• Work in a small, high-impact team where you will be mentored to solve complex analytical problems, eventually taking ownership of your own models
• Be resourceful to solve problems and find smarter solutions than the status quo
• Work closely with other members of the team that will support developing your technical expertise and domain knowledge

Our team's objectives

• The pricing team owns the loans funnel analytics and pricing strategy
• We work across the business in a multidisciplinary capacity to identify issues, translate business problems into data questions, analyse and propose solutions

How you'll impact those objectives

• Learn the domain of products that Lendable serves, understanding the data that informs strategy and modelling is essential to being able to successfully contribute value
• Research and propose improvements to our existing pricing strategies and modelling methodology
• Work closely with the credit team to align pricing decisions with credit risk and underwriting strategy
• Clearly communicate results to stakeholders through verbal and written communication
• Share ideas with the wider team, learn from and contribute to the body of knowledge

Key Skills

• Experience using Python (pandas, numpy, scikit-learn) and SQL
• Theoretical understanding of core ML techniques and statistical principles
• Strong numerical and analytical skills, comfortable working with large datasets
• Confident communicator and contributes effectively within a team environment
• Self-driven and willing to take ownership of specific tasks and analyses
• 1-2 years' experience in a technical, analytical or data-focused role

Nice to Have

• Exposure to credit risk or financial datasets
• Interest in Data Engineering
• Prior experience with financial or pricing modelling

The interview process

• A phone call with one of the team
• Video Call case study (Remote)
• Onsite Interview
  1. Culture Interview
  2. Meet the team you'll work with daily

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.

Check out our blog https://blog.lendable.co.uk/!