Lendable
Secured Credit Risk Manager
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About Lendable
Lendable is on a mission to build the world's best technology to help people get credit and save money. We’re one of:
- The UK’s newest unicorns, with a team of 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 (4.9 average rating across 10,000+ Trustpilot reviews)
So far, we’ve rebuilt Big Three consumer finance products from scratch: loans, credit cards, and car finance. We get money into customers’ hands minutes, not days.
We’re growing quickly and looking to dominate two of the Western world's biggest financial markets (UK & US), where trillions of financial products are trapped in outdated bank systems.
Why Join Lendable?
Take ownership and make decisions that drive material impact from day 1 Work in small, exceptional teams that solve problems with resourceful ingenuity Build best-in-class technology using cutting-edge data, machine learning, and AI
The Role: Credit & Commercial Manager (Second Charge Mortgages)
We’re building our second charge mortgage product from the ground up and need a Credit & Commercial Manager to shape its credit strategy.
You’ll own the full credit life cycle: quote → underwriting → pricing → risk management → compliance—and define how we merge risk assessment, portfolio growth, and automation.
This is a foundational hire. To succeed, you’ll need:
- Years of secured lending expertise
- Hands-on experience in underwriting, risk pricing, and automated decisioning
- A passion for building, not maintaining, a groundbreaking product
Key Responsibilities
Credit & Risk Strategy
- Define credit policy and underwriting frameworks, including:
- Affordability checks
- Eligibility criteria
- Decisioning logic
- Shape risk models—scorecards, segmentation, pricing—balancing volume with portfolio quality
- Drive growth/loss models and refine them with real-world outcomes
- Lead IRR/NPV/cashflow analysis to refine investment economics
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Automated Decisioning & Tech Integration
- Translate credit policy into executable rules and decision trees, embedded in our platform
- Collaborate with engineering to build the fastest, most automated secured lending tech in the market
- Tune automated valuation, property registration, and legal compliance processes
Funding & Compliance
- Align with Capital Markets to craft investor-friendly (but commercially viable) terms
- Ensure credit policy fits regulatory standards (MCOB, Consumer Duty)
- Drive cross-functional partnerships to fast-track approvals without compromising risk
Portfolio & Performance Management
- Monitor risk indicators, refine strategies in real-time
- Update reporting for senior stakeholders
Requirements
Essential
- Deep secured lending experience: Must have worked on second charge mortgages or equivalent (bridging, shared equity, residential specialist lending)
- Pricing/risk scoring expertise: Built, scaled, or automated scorecards or pricing models in a lending context
- Funding mindset: Understands how LTV, valuation methodologies, and investor covenants impact lending
- Growth outreach skills: Think outside pure risk controls—prioritise approval rates, broker conversion, and competitive positioning
- Full-cycle lending acumen: Skill in quote-to-completion workflows, including valuation, legal preparation, and registration
- Data fluency: SQL required; Python a plus. Must interpret data to drive lending decisions
- Regulatory nuance: Proficient in MCOB/FCA governance for second charges
- Tech-ready mind: Can design scalable, automated underwriting frameworks for high-volume lending (no legacy reliance)
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Nice to Have
- Experience in loan servicing (disbursements, arrears collections)
- Broker distribution knowledge: How credit policy impacts intermediary channels
- Scaled-up environment experience: Fast-paced, hyper-growth context
- Familiarity with decisioning platforms/rules engines
Why Portfolio Management Suits You
- You’re a hands-on builder, not a passive manager
- Your ideas scale directly—no complex workaround iterations
- You’re commercially minded but risk-savvy
- Secure lending is our second home
Life at Lendable
Culture & Growth
- Winning team: Help us scale among the UK’s top fintechs
- Flexible work: Mix of hybrid (3 in-office days/week) and fully remote (with frequent in-person events)
- Social threads: Connect through teambuilding, off-sites, and regular company events
Wellbeing & Perks
- Private health cover + holistic health support
- Retirement savings plans
- Referral rewards: Earn per successful candidate referral
- Food & fuel: Fully stocked office kitchens + chef-prepped lunches
- Sustainable commuting: Cycle-to-work and car-sacrifice schemes
(Note: Benefits vary by region/role.)
Ready to own the future of credit strategy for a market-disrupting mortgage product? Apply now.
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