Head of Credit - UK Cards

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

Role Overview

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.

Key Responsibilities

Credit Risk Strategy & Management

• 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

Essential Experience

• 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

What We Offer

• Competitive salary and stock options

• Opportunity to shape credit strategy for a leading credit card portfolio

• Collaborative and innovative work environment

• Professional development and career advancement opportunities

• Winning team: the opportunity to scale up one of the world’s most successful fintech companies

• Flexible 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-sites

• Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls

• Health coverage: support for your physical and mental wellbeing, including private health cover

• Retirement & savings: long-term financial wellbeing through retirement savings plans

• Employee referral programme: earn a competitive bonus when you refer successful new team members

• Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations

• Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

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