Senior Credit Analyst

Lendable Ltd; United States; Hybrid; USD 80,000 - 133,000; Full time

Benefits offered by this job

Hybrid work

Health coverage

Retirement plan

Office meals

Social events

Job summary

Lendable Ltd in London is seeking an analytically-minded Senior Credit Risk Analyst to support driving meaningful change in our consumer finance products in the UK or USA markets. You will be comfortable with data, adept at coding, and eager to solve complex problems in collaboration with product, engineering, and data teams.

You will define and refine credit strategies, build and own models, and translate insights into actionable decisions that balance commercial goals with customer outcomes.

Qualifications

• Daily coding experience in Python and/or SQL.
• Proven experience in credit risk strategy, ideally within credit card lending.
• Strategic mindset translating data into actionable decisions.

Responsibilities

• Define and refine credit strategies that align with evolving portfolio goals.
• Discover insights from data using Python and SQL to address key business questions.
• Collaborate cross-functionally with product, engineering, data, and operations teams to implement and assess the success of strategies.

Skills

Python

SQL

Credit risk strategy

Data analysis

Communication

Job description

material impact on the direction and success of Lendable from day 1Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutionsBuild the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy liftingAbout The RoleWe're looking for an analytically-minded Senior Credit Risk Analyst ready to support driving meaningful change in our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding, and eager to solve complex problems.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.Your team's objectivesOur credit teams are building high-performing portfolios, with bold growth targets and a commitment to responsible
lending.Within the credit function, our core responsibilities include:Optimising credit decisioning: who to lend to, how much to lend, and at what interest and adapting to external economic conditions.Developing and owning models that forecast returns and guide investor reporting.How you'll impact those objectivesDefine 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 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/or SQLProven experience in credit risk strategy, ideally within credit card 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 assumptionsInterview ProcessAn initial phone conversation with our Talent TeamCase study interviewsOnsite interview with Head of credit + logistical reasoning taskLife at LendableWinning team: the opportunity to scale up one of the world's most successful fintech companiesFlexible 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-sitesSocials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office wallsHealth coverage: support for your physical and mental wellbeing, including private health coverRetirement & savings: long-term financial wellbeing through retirement savings plansEmployee referral programme: earn a competitive bonus when you refer successful new team
membersOffice meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locationsSustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locationsPlease 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!LocationLondon, United KingdomEmployment TypeFull timeLocation TypeHybridDepartmentGrowth & Analytics
About LendableLendable 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 peopleAmong the fastest-growing tech companies in the UKProfitable since 2017Backed by top investors including Balderton Capital and Goldman SachsLoved 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 toTake ownership: you are trusted to make decisions that drive a