Credit Risk Manager Full Time

Full Job Description

Lendable is looking for a Credit Risk Manager to work at its London office. This is a full-time hybrid job, with an estimated annual salary of £92,000 to £115,000, according to Glassdoor. The main part of the job is managing a team of analysts and helping the company make the right decisions when offering loans and other financial products. The person hired will look at customer and business data, use Python and SQL, and work out where credit decisions can be improved. They will also work with teams in product, engineering and operations to put new ideas into practice. Lendable is looking for someone who has worked in credit risk before, preferably in consumer lending. Experience with data analysis and managing junior team members is also important. The salary has not been confirmed in the original advert, so applicants should check the amount with Lendable before accepting an offer.

The successful candidate will work from the London office three days a week, with the remaining working arrangements following the company’s hybrid policy. Staff benefits include private health cover, a retirement savings plan and bonuses for referring new employees. Free lunches are available on office days at selected locations, and some employees may also qualify for cycle-to-work or electric vehicle schemes. The hiring process starts with a phone call, followed by interviews at the office. These include a practical case study and discussions with the team. The final interview is with a member of the senior leadership team. Anyone applying should be comfortable working with numbers, explaining their findings and helping a team improve its results. The exact salary and benefits should be confirmed directly with Lendable, as they may vary depending on the role and location.

Requirements

• Experience in credit risk strategy, preferably in consumer lending.
• Good working knowledge of Python and SQL.
• Regular experience writing and running code.
• Ability to analyse data and find practical solutions to business problems.
• Understanding of credit decisions, lending strategies and risk assessment.
• Ability to explain findings clearly and simply.
• Experience working with product, engineering, data and operations teams.
• Good communication and teamwork skills.
• Ability to make decisions that support business growth and customer needs.
• Experience managing and developing junior analysts.
• A practical approach to solving complex problems.
• Willingness to share ideas and improve existing ways of working.

Responsibilities

• Lead a team of credit risk analysts and support their development.
• Review credit strategies and look for ways to improve lending decisions.
• Use Python and SQL to analyse data and answer business questions.
• Help decide which customers should receive credit and how much they can borrow.
• Assess economic changes and their impact on lending.
• Develop models to estimate returns and support investor reporting.
• Work with product, engineering, data and operations teams.
• Help put new credit strategies into practice.
• Monitor results and identify areas that need improvement.
• Balance business growth with responsible lending.
• Share findings to help the company make better decisions.
• Find ways to improve the performance of credit portfolios.

Benefits

• Estimated salary of £92,000–£115,000 per year (Glassdoor estimate; not confirmed by the employer).
• Hybrid working, with three days a week in the London office.
• Private health cover.
• Retirement and savings plans.
• Employee referral bonuses.
• Complimentary lunches on office days at selected locations.
• Fully stocked kitchen with snacks.
• Cycle-to-work scheme at selected locations.
• Electric vehicle salary sacrifice scheme at selected locations.
• Opportunity to work with a growing fintech company.
• Team socials and company events.
• Flexible working arrangements depending on the role.