Credit & Commercial Senior Analyst

Lendable Ltd; United States; Ibrido; USD 87.000 - 127.000; Tempo pieno

Vantaggi offerti da questo lavoro

Health coverage

Flexible working

Retirement & savings

Employee referral programme

Office meals & snacks

Sustainable commuting

Descrizione del lavoro

Lendable in London is seeking an analytically-minded Credit & Commercial Senior Analyst to lead pricing strategy and commercial decisions for Autolend. You'll apply strong analytics to optimise funnel performance while protecting portfolio returns.

You will work cross-functionally with product, engineering and data teams, explore new strategies, monitor market trends and report on impact. We value practical thinkers who can translate data into clear, actionable plans.

Competenze

• Daily coding experience with Python and SQL.
• Experience in credit risk or commercial strategy in consumer lending.
• Strategic mindset translating data into actionable decisions.
• Focus on delivering results for commercial and customer needs.
• Collaborative and open approach; willingness to challenge assumptions.
• Marketing/growth experience is a plus, not required.

Mansioni

• Optimise pricing strategy, what to lend and at what rate.
• Improve conversion funnel using data and qualitative feedback.
• Build a product customers and partners love.
• Define multi-channel pricing and continuously optimise for growth with returns.
• Extract insights from data using Python and SQL to optimise strategy.
• Explore novel commercial strategies to gain an edge.
• Monitor competitor trends across acquisition channels and market changes.
• Collaborate with product, engineering, data and external partners to improve funnel.
• Monitor and assess success of strategies and identify improvements.

Conoscenze

Python

SQL

Credit risk

Commercial strategy

Data analytics

Collaboration

Strumenti

Python

SQL

Descrizione del lavoro

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 Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1. Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions. 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

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

• 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.
• 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

• 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!

Location: London

Employment Type: Full time

Location Type: Hybrid

Department: Growth & Analytics