Senior Credit Risk Manager

Lendable Ltd; Virginia (MN); Hybrid; USD 175,000 - 250,000; Full time

Benefits offered by this job

Best-in-class compensation including equity

401k plan

Medical insurance (optical + dental)

Work from home on Mondays and Fridays

Job summary

Lendable Ltd, based in Virginia, is seeking a Senior Credit Risk Manager to enhance our U.S. loans performance. This analytical role will require strong proficiency in SQL and Python to drive data-driven decisions and oversee testing and valuation processes.

With a hybrid working environment and competitive compensation ranging from $175,000 to $250,000 annually, you will play a crucial role in steering strategic analytical efforts across teams.

The ideal candidate will thrive in ambiguity, contribute to high-impact decisions, and influence outcomes through rigorous analysis.

Qualifications

• Strong hands-on analytics ability to use data for decision-making.
• Deep understanding of experimentation, measurement, and statistical inference.
• Experience building monitoring/reporting tools for portfolio performance.
• Strong commercial judgment in balancing customer outcomes and profitability.
• Ability to communicate complex insights clearly to stakeholders.

Responsibilities

• Own the end-to-end testing ecosystem for credit decisions.
• Build and monitor a cohesive analytics suite for business performance.
• Drive portfolio valuation and forecasting to inform strategic decisions.
• Analyze data directly and translate findings into actionable recommendations.

Skills

Strong hands-on analytics ability

Strong SQL

Strong Python

Understanding of credit performance

Stakeholder management

Job description

# Senior Credit Risk Manager* Virginia* Full Time (Permanent)* Hybrid* 175-250k* Loans US CreditApply for this role## About the roleWe’re looking for a **highly analytical, technically strong Senior Credit Manager** to join our U.S. team.In this role, you will help drive a step-change in how we measure, test and understand the performance of our U.S. loans business. You’ll work horizontally across Credit, Data Science, Product, Engineering and Capital Markets to ensure we are making statistically sound, customer-friendly and commercially intelligent decisions.This is a **high-impact, high-autonomy role**. You will own core analytical infrastructure that underpins how we improve credit strategy, evaluate tradeoffs, and scale profitably. The role is ideal for someone who thrives in ambiguity, is comfortable going deep into technical detail, and can translate rigorous analysis into decisions that move the business.## What you’ll be doing1) Own our Testing Ecosystem (Experimentation + Statistical Rigor)* **Own the end-to-end testing ecosystem for credit and product decisions** including experimentation design, implementation standards, and result interpretation* Ensure we are **collecting the right data**, in the right structure, to answer high-priority questions* Establish **statistically sound testing practices** across teams* Develop repeatable frameworks for evaluating tradeoffs between **conversion, risk, yield, and customer outcomes*** Partner with Product/Engineering to ensure experimentation tools and logging support robust measurement (not fragile analyses after the fact)2) Build Best-in-Class Monitoring & Analytics Suite (Performance + Economics)* **Build and own a cohesive monitoring and analytics suite** that provides a nuanced, end-to-end view of the business* Ensure we have clear visibility into credit performance, unit economics, funnel & underwriting performance* Develop tooling that lets us diagnose issues early and confidently* Create a “single source of truth” performance narrative that can be relied on by senior leadership for decision making3) Drive Portfolio Valuation & Forecasting (Decision Support Across the Business)* Help build and continuously improve our approach to **portfolio valuation, performance forecasting, and expectation-setting*** Produce credible valuations / forward-looking performance views that inform: + Credit strategy and policy changes + Capital markets funding conversations + Growth scaling decisions + Product prioritisation and roadmap tradeoffs* Ensure valuation approaches are grounded in high-quality assumptions, are transparent, and are calibrated to observed performance Build clear frameworks for answering: *what is the portfolio worth, how does it change under different strategy choices, and where are we taking risk?*4) Be Hands-On With Data & Influence Decision Making* Be comfortable being **hands-on with data**: drive your own analysis, build models/tools where needed, and turn analysis into crisp recommendations (SQL required; Python strongly preferred)* Communicate complex insights clearly to technical and non-technical stakeholders* Operate with an ownership mindset: identify the biggest analytical blind spots and drive improvements proactively (not only when asked)## What we’re looking forEssential skills* Strong hands-on analytics ability — comfortable pulling data yourself and using it to drive decisions (**strong SQL & Python required**)* Deep understanding of **experimentation, measurement, and statistical inference** (power, significance, bias, causality, segmentation, guardrails)* Strong understanding of **credit performance and unit economics** in lending* Experience building monitoring / performance reporting and diagnosing portfolio performance changes* Strong commercial judgment: can balance customer outcomes and business profitability; comfortable with ambiguity and tradeoffs* Strong stakeholder management and communication — able to influence cross-functionally and up to senior leadership* Ownership mindset and high standards for analytical quality and integrityDesirable* Experience in U.S. personal loans, ideally in FinTech* Familiarity with underwriting strategy, risk models, and credit policy design* Experience partnering with Capital Markets / finance stakeholders on valuation, forecast, or funding decisions* Experience working with data engineering / analytics engineering teams (dbt, warehouse structures, instrumentation)* Familiarity with fairness/fair lending concepts and monitoring frameworks* Experience implementing AI tools to power business monitoring## Compensation**US$175,000 - US$250,000 per year** Offers EquityApply for this role## About LendableLendable is on a mission to **build** the **world's best technology** to **help people get credit** and **save money**.* **Founded** in 2014* **Profitable** since 2017* **Unicorn** in 2021* **£3.5bn valuation** in 2022* Backed by **Balderton, Goldman Sachs** and **Ontario Teachers' Pension Plan*** **Loved** by customers & employees with top reviews on Glassdoor and TrustpilotSo 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 are held by big banks with dated systems and painful processes.## Life at Lendable* The opportunity to **scale up one of the world’s most successful fintech** companies.* **Best-in-class compensation** including equity.* You can **work from home every Monday and Friday** if you wish - on the other days, we all come together IRL to be together, build and exchange ideas.* **401k plan** and **medical insurance**(optical + dental covered)Check out our **Glassdoor Reviews**Apply for this role