Credit & Commercial Manager

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 Credit & Commercial Manager to lead our commercial & pricing strategy in our motor finance team, Autolend. We’re building high performing portfolios, with bold growth targets and a commitment to responsible lending. We are looking for someone who loves using strong analytics to drive smarter decisions, optimise performance, while delivering strong portfolio returns. Initially you will be an individual contributor role with the opportunity to build and lead a team as we grow. You’ll be entrusted with thought leadership on our commercial strategy, and have a large remit to set up and optimise our pricing to help achieve our objectives. You'll join a collaborative, ambitious organisation with minimal bureaucracy where ideas matter more than hierarchy with your work directly shaping strategic decisions, enhancing our portfolio performance. WHAT YOU’LL DO: - Own and optimise our pricing strategy, deciding how much we lend and at what rates to deliver sustainable growth. - Enhance our customer journey, improving conversion and performance through both data insights and qualitative feedback. - Define and evolve a multi-channel commercial strategy that balances business growth with responsible lending. - Discover insights from datasets using Python and SQL to uncover opportunities and optimise our strategy - Stay ahead of competitors by monitoring trends, and acquisition channels and adapting quickly. - Collaborate cross-functionally with product, engineering, data, and external partners to improve funnel performance - Measure impact — track results, learn fast, and refine strategies to maximise both customer value and business performance. WHAT YOU'LL NEED TO SUCCEED - Daily coding experience, with proficiency in both Python and SQL ideally - Experience in credit risk or commercial strategy roles, ideally within consumer lending or Motor Finance - Strategic and analytical thinking, with the ability to turn complex data into clear, actionable insights - Drive to deliver results, aligning with both commercial and customer needs. - Curious and collaborative approach and a willingness to challenge your own assumptions - Experience working in marketing / growth roles is a plus, but not required! INTERVIEW PROCESS - An initial phone conversation with a member of our team. - Interviews including a practical case study and team conversations. - A final discussion with a member of our executive leadership (C-suite). LIFE AT LENDABLE - Winning team: the opportunity to scale up one of the w