Credit Risk Manager

About Lendable: Lendable is on a mission to build the world's best technology to help people get credit and save money. We are a fintech company growing rapidly, with a team of around 700 employees in the UK, profitable since 2017 and backed by investors including Balderton Capital and Goldman Sachs. We are building loans, credit cards and car finance, and expanding into the UK and US markets. We are looking for an analytically-minded Credit Risk Manager to lead a team of analysts to drive meaningful change in one of our consumer finance products in the UK or USA markets. You will work in a collaborative, ambitious organisation with a tangible impact on portfolio performance. Your team’s objectives include building high-performing portfolios with a focus on responsible lending. Core responsibilities include optimising credit decisioning, assessing external economic conditions, and developing models that forecast returns and guide investor reporting. You will define and refine credit strategies, discover insights from data using Python and SQL, collaborate cross-functionally with product, engineering, data, and operations teams, and monitor the success of implemented strategies. Requirements include daily coding experience with Python and SQL, proven experience in credit risk strategy (ideally in consumer lending), a strategic mindset, a focus on delivering results aligned with commercial and customer needs, collaboration, and experience leading and developing junior analysts. Interview process includes an initial phone screen, onsite interviews with a practical case study, and a final discussion with leadership. Life at Lendable features include flexible working (hybrid roles with in-office days), social events, health coverage, retirement savings plans, an employee referral programme, office meals, and sustainable commuting options. This role is based in London, United Kingdom; hybrid work arrangement. We can adapt and scale the business quickly, with a focus on the UK and US markets.