Senior Credit Analyst

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 newest unicorns with a team of just over 700 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 across a broad remit. 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, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting About The Role We’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 objectives Our 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 rate. - Assessing and adapting to external economic conditions. - Developing and owning models that forecast returns and guide investor reporting. How you'll impact those objectives - Define 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 strategies. - 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/or SQL - Proven 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 assumptions Interview Process - An initial phone conversation with our Talent Team - Case study interviews - Onsite interview with Head of credit + logistical reasoning task 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 - Retiremen