Credit Risk Manager

About Lendable Lendable is on a mission to make consumer finance amazing:faster, cheaper and friendlier.> We're building one of theworld’s leading fintechcompanies and are off to a strong start:> One of theUK’s newest unicornswith a team of just over 400 people> Among thetop 10 fastest-growingtech companies in the UK> Profitablesince 2017> Backed by top investors includingBalderton CapitalandGoldman Sachs> Lovedby customers with the best reviews in the market (4.9 across 10,000s of reviews onTrustpilot)So far, we’ve rebuilt theBig Threeconsumer 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 these are held by big banks with dated systems and painful processes.Join us if you want to> 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 insmall teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo> Build the best technologyin-house, using new data sources, machine learning and AI to make machines do the heavy liftingAbout The RoleWe’re looking for a super-smart senior analyst/credit risk manager who isgreat with numbers and loves problem-solvingto come and have a big impact on our business. We want someone who hascoding experienceand uses it (ideallyPython and SQL) on a daily basis togenerate insights from dataand use that insight todrive meaningful changein our UK cards business. You’ll be working for anambitious company, in a fast-paced environment, with minimal bureaucracy.Your team's objectivesThe credit card team is building anear prime cards portfoliowithambitious targets.In the credit team, we are looking tooptimise who we offer creditto,how much we should lendto them, whatinterest rate we should charge,and how thewider economic environment impacts those decisions.We alsoownvarious models,which we use toforecast returns for our investors.How you'll impact those objectivesDefine the credit strategyfor our evolving portfolioDiscover insightsfrom data anddevelop strategiesto answer the big questions and address key business questionsCollaborate with a wider cross-functionalteam to implementyour strategies in the marketMonitor and assessthe success of implemented strategies,and continuously discover further opportunities for improvementWhat you'll need to succeed Daily coding experience, with proficiency inPython and SQLideallyProven experienceinshapingcredit card strategiesUnderstanding what truly mattersand driving business outcomesA natural inclination tochallenge the status quoandquestion your own assumptionsInterview ProcessWe’re not corporate, so we try our best to get things moving as quickly as possible. For this role, we’d expect:A quick phone call with one of the teamOnsite interviews including case studies and meeting the teamC-suite interviewLife at Lendable (check out our Glassdoor page)> 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.>Our in-house chef prepares fresh, healthy lunches in the office every Tuesday-Thursday> We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance> We're an equal opportunity employer and are looking to make Lendable the most inclusive and open workspace in London
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