Senior Credit Analyst

About LendableLendable 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 peopleAmong the fastest-growing tech companies in the UKProfitable since 2017Backed by top investors including Balderton Capital and Goldman SachsLoved 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.Join us if you want toTake 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 1Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quoBuild the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy liftingThe RoleWe're building our second charge mortgage product from the ground up. We're looking for a Credit & Commercial Manager to own credit strategy for this product - someone who understands the mechanics of secured lending end-to-end, from quote through to completion.This is a foundational hire. You'll shape how we assess risk, price loans, and structure our credit policy, working closely with a small, senior cross-functional team spanning product, engineering, legal, and commercial.

If you've spent years working in secured lending and want to help build something new rather than maintain something old, this is the role.What You'll DoDefine credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworksOwn risk scoring and pricing - develop and refine scorecards, risk segmentation, and pricing models that balance volume with portfolio qualityDrive growth whilst balancing risk - use analytic and credit judgment to drive growth through credit policy, work with the commercial team team to hit volume targets, and all whilst maintaining portfolio qualityOwn the IRR/NPV/cashflow models - ensure we understand the economics of the asset we’re booking, and drive changes where neededDesign automated decisioning logic - translate credit policy into executable rules and decision trees that can be embedded in the platform, working with engineering to build the quickest, most automated secured product on the marketHelp shape funding strategy - collaborate with the Capital Markets team to inform investor parameters around LTV limits, property valuations, and portfolio concentration, translating these into practical credit policyInform the property valuation and security process - ensure credit policy accounts for valuation methodology, panel management considerations, and charge registration

Requirements

Monitor portfolio performance - track early indicators, refine strategy based on outcomes, and report to senior stakeholdersCollaborate cross-functionally - work daily with product and engineering to embed credit decisioning into the platform, and with legal and compliance to ensure regulatory alignment (MCOB, Consumer Duty)Get stuck in - this is a small team building something from scratch. You'll be hands-on across the full credit lifecycle, not managing from a distance

What We're Looking For

Deep experience in secured lending credit risk - you've worked on second charge mortgages or similar secured products (bridging, BTL, specialist residential) and understand the product inside outStrong knowledge of risk scoring and pricing - you've built or materially contributed to scorecards, pricing frameworks, or credit policy in a secured lending environmentUnderstanding of funding and capital constraints - you know how LTV covenants, property valuations, and investor criteria shape what you can lend and to whomCommercial awareness and growth mindset - you understand that credit policy exists to enable lending, not prevent it. You think about accept rates, broker conversion, and competitive positioning alongside risk metricsFamiliarity with the end-to-end secured lending process - from quote through to completion, including how valuation, legal, and land registry processes interact with credit decisionsAnalytical rigour - you're comfortable with data. SQL is required and Python experience is a plus, but what matters is that you think in numbers and can interrogate MI to drive decisions that lead to more good quality lendingRegulatory awareness - working knowledge of MCOB and FCA

Requirements

for second charge lendingExperience designing for scale and automation - you understand how to structure underwriting policy as decision logic, scorecards, and rules that can be executed programmatically. You think in terms of tens of thousands of applications, not manual case-by-case reviewNice to HaveExperience with loan servicing - settlements, collections, arrears management, and recoveries in a secured lending contextExposure to broker distribution models and how credit policy interacts with intermediary channelsExperience working in a startup or scale-up environment, or a desire to move from a large organisation into oneExperience with decisioning platforms or rules enginesLife at LendableWinning team: the opportunity to scale up one of the world’s most successful fintech companiesFlexible 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-sitesSocials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office wallsHealth coverage: support for your physical and mental wellbeing, including private health coverRetirement & savings: long-term financial wellbeing through retirement savings plansEmployee referral programme: earn a competitive bonus when you refer successful new team membersOffice meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locationsSustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locationsPlease note: The availability and details of specific

Benefits

vary by location and role. For more information, please speak to your Talent Partner.Check out our blog!Find Jobs in United Kingdom on Arbeitnow