Financial Operations Executive

Lendable Ltd; United States; Hybrid; USD 70,000 - 110,000; Full time

Benefits offered by this job

Health coverage

Hybrid work model

Meals & snacks

Retirement plan

Employee referral program

Sustainable commuting

Job summary

Lendable is recruiting a Financial Operations Executive to ensure accurate processing of financial transactions and liquidity across its platform. You’ll work closely with teams across the business to keep operations smooth and scalable in a fast-paced fintech environment.

You will reconcile payments, process transfers, monitor liquidity, and help optimize finance workflows while maintaining high attention to detail and daily deadlines.

Qualifications

• Hands-on experience with reconciliations (bank, cash, payments, collections, or similar).
• Familiarity with executing payments / bank transfers and working with multiple bank accounts.
• Recent STEM graduate with strong quantitative and problem-solving abilities in high-volume data contexts.
• Ability to meet daily deadlines in a fast-paced environment.
• Proven track record of improving processes and delivering outcomes.
• High attention to detail and accuracy.
• Strong organizational skills and ability to prioritize tasks.
• Ability to work independently and streamline workflows.
• Excellent communication and collaboration across finance and broader business.

Responsibilities

• Reconcile collections and repayments between our platform and bank transactions daily.
• Prepare and execute bank transfers and other financial transactions with multiple banking partners.
• Monitor liquidity levels and support cash management for the platform.
• Collaborate with Capital Markets, Data Science and Product to improve finance processes.
• Maintain auto auction proceeds, analyse invoices and allocate costs to investors.
• Support product maintenance and financial oversight to keep products live.
• Contribute to ad-hoc projects and general administrative tasks.

Skills

Reconciliations

Payments processing

Problem solving

Time management

Process improvement

Attention to detail

Communication

Team collaboration

Self-sufficiency

Education

STEM degree

Tools

SQL

BI tools

Data platforms

Automation tools

AI tooling

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 ROLE

We’re looking for a detail-oriented and proactive Financial Operations Executive to join our growing Financial Operations team at Lendable. Reporting directly to the Financial Operations Manager, you’ll play a critical role in ensuring the accurate and timely processing of financial transactions, maintaining liquidity across our platform, and supporting the smooth running of our products.

This is an excellent opportunity to gain broad exposure across financial operations in a fast-paced, technology-driven environment, working closely with teams across the business and contributing directly to Lendable’s continued growth.

What you’ll do

• Reconcile collections and repayments between our platform and bank transactions on a daily basis, ensuring accuracy and completion within defined timeframes for two of our core UK products. (40%)
• Prepare and execute bank transfers and other financial transactions daily, working with multiple banking partners and ensuring strong operational controls. (20%)
• Monitor liquidity levels across the platform, identifying funding requirements and supporting efficient cash management. (10%)
• Collaborate closely with internal teams including Capital Markets, Data Science and Product to improve processes, resolve issues and enhance the efficiency of the finance function. (10%)
• Maintain auto auction proceeds, analysing invoices and allocating costs to investors (10%)
• Support product maintenance, helping ensure products remain live and operational through financial oversight, calculations and checks. (5%)
• Contribute to ad-hoc projects and analysis, alongside general administrative and filing support as required. (5%)

What do you need to succeed in this role:

• Hands-on experience with reconciliations (bank, cash, payments, collections, or similar)
• Familiarity with executing payments / bank transfers and working with multiple bank accounts
• Alternative to the above. If you’re a recent STEM graduate who possesses a strong foundation of quantitive and problem solving abilities in the context of large volumes of data - we’d like to hear from you.
• Ability to work to daily deadlines in a time-sensitive environment
• Proven track record of improving processes and delivering required outcomes.
• Efficient with a high level of attention to detail and accuracy is essential.
• Strong organisational skills are needed, with the ability to prioritise tasks and meet deadlines.
• Capability to work self-sufficiently to identify issues and further streamline workflows.
• Great communication skills, with the ability to work collaboratively with other members of the finance team and across the wider business.You http://business.You’ll be energetic, and motivated and have a proactive approach with the ability to problem solve.
• Proficient in Microsoft Excel and G-Suite (including Sheets).

NICE-TO-HAVES

Experience & domain

• Previous experience in Finance, or similar role.
• Experience in fintech, lending, payments, or financial services
• Exposure to consumer credit products or loan servicing
• Previous work with multiple banking partners or payment rails
• Experience supporting product launches or live product maintenance

Technical skills

• Advanced Excel / Google Sheets (e.g. lookups, pivot tables)
• Experience with SQL, BI tools, or data platforms
• Familiarity with automation tools or process improvement initiatives
• Relevant exposure to AI tooling including ChatGPT, Claude, Gemini, CoPilot etc.

THE INTERVIEW PROCESS

• 15 min: online cognitive assessment that assess your critical thinking, problem solving and mathematical capabilities
• 30 min: Screening call with the Talent Team and Hiring team
• 90 min: Case Study Task
• 75 min: Final stage in person interview with the Finance Operations and Finance Leadership

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/!