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About the Role
We are seeking an experienced Head of Credit to lead our UK credit card portfolio's credit risk strategy and operations. This senior leadership role will be responsible for developing and implementing credit risk policies, optimizing portfolio performance, and building a high-performing team to support our UK market operations.
Responsibilities
- Develop and execute comprehensive credit risk strategies for the UK credit card portfolio
- Design and optimize credit policies, underwriting criteria, and risk-based pricing models
- Monitor portfolio performance metrics
- Implement proactive risk management frameworks to minimize credit losses while maximizing portfolio growth
- Lead stress testing and scenario analysis to assess portfolio resilience
- Ensuring good customer outcomes and regulatory compliance
Requirements
- 10+ years of experience in credit risk management within consumer lending or credit cards
- 5+ years in senior leadership roles managing credit risk functions
- Proven track record of developing and implementing successful credit risk strategies
- Deep expertise in credit risk modelling, analytics, and decisioning systems
- Extensive experience managing and developing high-performing teams
Work Type
- Hybrid
- Remote
Experience Level
- Senior leadership
Salary/Compensations
- Competitive salary and stock options
Benefits
- Opportunity to shape credit strategy for a leading credit card portfolio
- Collaborative and innovative work environment
- Professional development and career advancement opportunities
- Flexible working
- Socials & connection
- Health coverage
- Retirement & savings
- Employee referral programme
- Office meals & snacks
- Sustainable commuting
About the Company
- 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.
- 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 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