Head of US Credit

About Lendable

Lendable is on a mission to make consumer finance amazing: faster, cheaper and friendlier.

We’re building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s leading fintech unicorns with a team of just over 300 people

• Among the top 10 fastest-growing tech companies in the UK

• Profitable since 2017

• Backed by top investors including Balderton Capital, Goldman Sachs and Ontario Teachers' Pension Plan

• Loved by customers with the best reviews in the market (4.9/5 across 10,000s of reviews)

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance in the UK and are expanding our business to the US market. 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 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

Duties: 

Analyze consumer credit data to determine the degree of risk involved in extending credit or lending money to US consumers. Supervise the building of sophisticated credit and underwriting models to ascertain consumer credit risk. Prepare reports on credit performance for management review. Analyze data, to make decisions on tightening or loosening credit underwriting criteria. Produce projections of consumer loan portfolio performance. Approve changes to the pricing of loan products and loan distribution channels. Use computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information. Compile, code, categorize, calculate, tabulate, audit, or verify information or data. Collaborate with supervisors, co-workers, and subordinates.

Requirements: 

Bachelor’s Degree in Finance, Economics, or a related degree with 4 years of experience in Credit underwriting in the US personal loan industry with experience in: credit underwriting strategy and credit risk model development; communicating underwriting strategy and performance to third parties; personal loan origination strategy and channels; automation and loan product management; Fintech and start-up strategies. Position located in New York, NY but eligible to work from anywhere in the U.S. 15% international and domestic travel.

Please apply: To apply email your resume to: [email removed - click apply for more details] or apply below

What else?

• Our business has been profitable since 2017 - a rarity in the fintech space - and we’re one of Europe’s fastest-growing unicorns.

• We’re backed by top investors including Balderton Capital, OTPP, and Goldman Sachs.

• Our founders still run the company. We’re small enough that you get things done by talking to people.