Job Overview
Location
Virginia, USA
Job Type
Full-time
Category
Finance
Date Posted
February 28, 2026
Full Job Description
đź“‹ Description
- • Lendable is at the forefront of revolutionizing consumer finance, aiming to build the world's most advanced technology for credit access and savings. As a rapidly expanding fintech unicorn, we are seeking a highly motivated and strategic Credit Risk Manager to join our US Cards Credit team in Virginia. This is a pivotal new role offering a unique opportunity to shape and own early-stage projects, driving significant impact across our burgeoning US credit card portfolio.
- • In this role, you will be instrumental in building and scaling a high-performing credit card portfolio, meticulously designed to meet ambitious growth targets while upholding an unwavering commitment to responsible lending practices. Your expertise will be crucial in optimizing our credit decisioning frameworks, determining precisely who we lend to, the appropriate credit limits to set, and the most competitive yet sustainable rates to offer. This involves a deep understanding of risk appetite and a data-driven approach to portfolio management.
- • You will be tasked with staying ahead of the curve on evolving economic trends, proactively adapting our credit strategies to mitigate potential risks and capitalize on emerging opportunities. This requires a keen analytical mind and the ability to translate complex macroeconomic indicators into actionable strategic adjustments. A core part of your responsibility will involve developing and owning sophisticated models designed to accurately forecast portfolio returns, providing critical data for investor reporting and internal strategic planning.
- • The role demands the definition and continuous refinement of credit strategies that are not only aligned with our dynamic portfolio goals but also contribute to Lendable's overall mission of making credit more accessible and affordable. You will leverage your analytical prowess to discover data-driven insights, utilizing advanced tools such as Python and SQL to address key business questions and uncover opportunities for optimization and innovation.
- • Collaboration is at the heart of this position. You will work closely with cross-functional teams, including product development, engineering, data science, and operations, to seamlessly implement and enhance credit strategies. This cross-pollination of ideas ensures that our credit risk management is integrated into the broader product lifecycle and business objectives. Furthermore, you will be responsible for continuously monitoring the effectiveness of implemented credit strategies, identifying key performance indicators, and proactively pinpointing areas ripe for improvement and further development.
- • This role offers a unique chance to contribute to a company that is not only a leader in the UK's fintech scene but is also aggressively expanding into the massive US market. You will be part of a team that values ownership, resourcefulness, and innovation, using cutting-edge technology, machine learning, and AI to automate processes and enhance decision-making. If you are driven by the prospect of making a tangible impact, working with exceptional talent, and building the future of consumer finance, this is the opportunity for you.
- • Your contributions will directly influence the success of Lendable's US credit card operations, ensuring sustainable growth and a superior customer experience. You will be empowered to make decisions that have a material impact from day one, operating within a culture that fosters continuous learning and embraces challenges. This is more than just a job; it's a chance to be part of a transformative journey in the financial services industry.
🎯 Requirements
- • Daily coding experience with Python and SQL for data analysis and model development.
- • Proven experience in developing and implementing credit risk strategies within the financial services sector, with a strong preference for consumer lending or credit cards.
- • Demonstrated ability in strategic thinking, with a proven track record of translating complex data analysis into clear, actionable business decisions and recommendations.
- • A results-focused mindset, capable of balancing the needs of the business with the fair treatment and needs of the customer.
- • Collaborative spirit, a growth mindset, and a willingness to challenge existing assumptions and embrace new approaches.
- • Strong sense of ownership and a proactive, problem-solving attitude, with the ability to work independently and drive projects to completion.
🏖️ Benefits
- • Best-in-class compensation package, including equity options, reflecting the value you bring to Lendable.
- • Opportunity to work remotely on Mondays and Fridays, offering flexibility in your work week.
- • Comprehensive private health insurance coverage to support your physical and mental well-being.
- • Access to a fully stocked office kitchen (Tues-Thurs) providing breakfast, lunch, snacks, and drinks, fostering a collaborative and well-catered work environment.
- • The chance to scale up one of the world's most successful and rapidly growing fintech companies, contributing to significant market expansion.
Skills & Technologies
Python
Onsite
About Lendable Ltd
Lendable is a UK-based fintech that operates an online consumer-lending platform using open-banking data and machine-learning underwriting to offer unsecured personal loans and car finance. Founded in 2014 and headquartered in London, it funds loans through an institutional peer-to-peer model, matching investors with borrowers seeking fast, fixed-rate credit. The company automates identity, affordability and risk assessment, providing near-instant decisions and same-day payouts while giving investors access to diversified consumer credit returns. Regulated by the Financial Conduct Authority, Lendable has originated more than ÂŁ2 billion in loans without maintaining physical branches, focusing on transparent pricing and mobile-first customer experience.
