Lendable
Senior Credit Risk Manager - Cards
1w ago
USASeniorRemotecredit risk managementmachine learningdata analysis
Senior Credit Risk Manager role in the US Cards Credit team at Lendable, a leading fintech company.
Responsibilities
- We're looking for a Senior Credit Risk Manager to join the US Cards Credit team. This is a high-ownership role where you'll shape how we make, measure, and value credit decisions, partnering closely with data science, product, engineering, and capital markets to drive meaningful impact across the portfolio.
- Build a high-performing credit card portfolio with ambitious growth targets and a commitment to responsible lending
- Optimize credit decisioning including who to lend to, limits to set, and rates to offer
- Define and refine credit strategies that align with evolving portfolio goals, staying ahead of economic trends and adapting accordingly
- Own the end-to-end testing ecosystem — experimentation design, implementation standards, and statistically sound result interpretation
- Build and own a monitoring & analytics suite that gives a clear, end-to-end view of credit performance and unit economics, and serves as a single source of truth for senior leadership
- Develop and own models that forecast returns, value the portfolio, and drive investor reporting
- Discover data-driven insights using Python and SQL to address key business questions
- Collaborate cross-functionally with product, engineering, data, and operations teams to implement and improve strategies
- Continuously monitor the effectiveness of credit strategies and identify areas for improvement
Requirements
- Daily coding experience with Python and SQL
- Proven experience in credit risk strategy within finance, ideally within consumer lending
- Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, guardrails)
- Strong understanding of credit performance and unit economics in lending
- Strategic thinking and ability to translate complex data into clear, actionable decisions
- Results-focused mindset balancing business and customer needs
- Collaborative, growth mindset and willingness to challenge your own assumptions
- Strong sense of ownership and proactive problem-solving attitude
How to apply
- Call with a recruiter (30 minutes)
- Cognitive Test (15 Minutes)
- Take-home coding exercise + Task debrief (60 minutes)
- Case study interview (60 minutes)
- Culture-add interview (30 minutes)
Other
- 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 )
- 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.
- 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
- Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
- Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting
- 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
- Retirement & savings: long-term financial wellbeing through retirement savings plans
- Employee referral programme: earn a competitive bonus when you refer successful new team members
- Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
- Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations
- Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.
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