Credit Controller

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.

1. 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

2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

We are seeking a Credit Controller to join our Financial Operations team. This role will take ownership of our indemnities process for the Autolend product. As transaction volumes have increased with our broker partners, managing indemnities and outstanding balances has become more complex. We are looking for an individual with the motivation to tackle the current backlog, bring clarity and rigour, and establish strong processes for the future. You’ll also support credit control work across our wider product suite.

You’ll be comfortable working in complex Google Sheets, tracing payments, and reconciling data. Much of the role involves resolving issues related to complaints, chasing refunds, unblocking cases, or ensuring funds are correctly allocated. You’ll work with both internal teams and external broker partners.

You’ll not only resolve current issues but also help establish and improve our credit control processes to enable scale.

• Own and manage indemnities for the Autolend product, tracking and resolving outstanding balances with broker partners

• Reconcile and maintain detailed records using Google Sheets, pulling data from multiple sources

• Investigate and resolve misallocated or delayed funds, especially those linked to complaints

• Build productive relationships with brokers and internal teams to resolve issues and set up smooth processes for the future

• Work closely with the commercial/sales team to ensure the protection of the commercial relationships with brokers and dealers.

• Collaborate with the Legal team as required to support effective recovery and indemnity actions.

• Chase outstanding payments professionally and sensitively

• Document and improve credit control procedures for Autolend and other products as required

• Prepare regular reports for internal stakeholders, highlighting risks and improvement opportunities

• Support ad-hoc processes across Financial Operations

• Expand into additional financial operations tasks as proficiency in credit control indemnities develops.

Essential:

• 1+ years as a credit controller or in a finance related role.

• Proficient Google Sheets skills (VLOOKUPs, pivots, data validation, etc.) and strong reconciliation ability

• Highly organised, able to manage competing priorities in a fast-paced environment

• Experienced at working cross-functionally and managing external partners

• Proven record in debt chasing and account reconciliations with multiple parties

• Strong communication and relationship-building skills

• Process-oriented, resilient, and comfortable with ambiguity

• Experience documenting and improving processes

• Self-starter, able to take initiative and deliver independently

Preferable:

• Motor finance and/or fintech experience is a major advantage

• Reviewing historic indemnity/complaints cases and tracing balances in Google Sheets and our internal systems

• Liaising with brokers to agree on repayments or resolve disputes

• Working with complaints and finance teams to clear stuck items

• Updating and reporting on reconciliations

• Documenting and improving procedures

• Contributing to broader credit control activity across Lendable

• Make a visible impact by strengthening a high-growth product area

• Work closely with senior leadership and talented teams

• Innovative, ambitious environment with modern tools and processes

• Competitive salary, share options, flexible benefits, and growth opportunities

• 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas.

• Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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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