Job Overview
Location
London
Job Type
Full-time
Category
HR & Recruiting
Date Posted
March 28, 2026
Full Job Description
đź“‹ Description
- • As the inaugural Director of Mortgage Operations at Lendable Ltd, you will establish and lead the servicing function for a groundbreaking second charge mortgage product, bringing the company’s tech-first, customer-centric approach to a traditionally slow and process-heavy market. This role is pivotal in ensuring Lendable becomes a credible, compliant, and innovative player in secured lending from day one, directly impacting the company’s expansion into the UK’s trillion-pound mortgage market.
- • You will define and implement MCOB-compliant policies and procedures for the second charge mortgage product, building the operational foundations from scratch to ensure regulatory alignment and consumer protection. This includes owning the full mortgage servicing lifecycle—from post-disbursement through arrears management, forbearance, default, and recoveries—while centering customer outcomes and Consumer Duty in every decision.
- • You will lead recoveries and repossessions by establishing fair, effective, and scalable strategies for high-stakes servicing scenarios, including managing third-party partnerships where necessary, ensuring compliance and ethical treatment of customers throughout.
- • You will collaborate closely with technology and data teams to automate servicing operations, leveraging machine learning and AI to build fast, frictionless, and scalable processes that match the efficiency of Lendable’s unsecured lending products.
- • You will build and lead a high-performing servicing team as the product scales, working cross-functionally with credit, legal, compliance, and underwriting teams to ensure a seamless acquisition-to-servicing experience and drive operational excellence.
- • You will operate within Lendable’s high-impact, resourceful culture—joining a profitable UK unicorn backed by Balderton Capital and Goldman Sachs, where small teams of exceptional people solve complex problems with innovation and ownership, and where your work will directly contribute to transforming consumer finance in the UK and beyond.
- • You will gain deep expertise in scaling a regulated financial product within a fast-growing fintech, developing leadership in mortgage servicing innovation, regulatory strategy, and technology-enabled operations—positioning you at the forefront of the next wave of financial services transformation.
🎯 Requirements
- • 8+ years of experience in mortgage lending, with significant focus on servicing, including prior director or senior leadership roles at specialist lenders or major banks.
- • Deep, working knowledge of the MCOB regulatory framework and Consumer Duty, particularly as applied to servicing contexts and customer outcomes.
- • Proven experience owning complex servicing scenarios end-to-end, including arrears, forbearance, default, and repossessions, with ability to build fair, effective, and compliant processes.
- • Low-ego, relentlessly resourceful mindset, energized by building operations from the ground up rather than inheriting established systems.
- • Comfortable engaging with regulators (FCA) and/or strong familiarity with underwriting and credit processes to collaborate effectively across teams.
- • Strong analytical skills, with ability to use data to inform operational decisions, detect early warning signs, and drive continuous improvement.
🏖️ Benefits
- • Best-in-class compensation package including equity participation in a fast-growing UK unicorn.
- • Hybrid work model: work from home every Monday and Friday; in-person collaboration at the Shoreditch office Tuesday–Thursday.
- • Fully stocked office kitchen with breakfast, lunch, snacks, and drinks provided on-site Tuesday–Thursday.
- • Private health insurance coverage supporting physical and mental well-being.
- • Commitment to inclusivity and equal opportunity, aiming to create the most open and supportive workspace in London.
- • Opportunity to scale a transformative fintech product in a profitable, high-growth environment with strong investor backing.
Skills & Technologies
REST
Remote
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.
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