Fraud and Disputes Manager (Cards)

Lendable Ltd

Job Overview

Location

London/Kent

Job Type

Full-time

Full Job Description

📋 Description

• As the Fraud and Disputes Manager (Cards) at Lendable Ltd, you will lead a dedicated team responsible for safeguarding the company’s credit card products against fraud and managing customer disputes with precision and empathy. This role is critical to maintaining trust, ensuring regulatory compliance, and protecting both customers and the business from financial loss in a fast-growing fintech environment where innovation meets real-world risk.
• You will own the end-to-end lifecycle of fraud and dispute management for Lendable’s credit card offerings, including investigating unauthorized transactions, account takeover fraud, scams, Section 75 claims, and Mastercard chargebacks. Your leadership will directly impact customer satisfaction, operational efficiency, and the company’s ability to scale securely in competitive UK and US markets.
• Day to day, you will: lead and motivate a team of fraud and disputes analysts to deliver high-quality outcomes; conduct deep-dive investigations into complex fraud cases and provide expert guidance; ensure all processes adhere to regulatory standards and internal policies; set clear performance targets and monitor team KPIs including resolution speed and chargeback recovery rates; coach team members to enhance skills and performance; collaborate cross-functionally with product, engineering, and operations teams to identify process inefficiencies; design and implement improved fraud detection and dispute resolution workflows; report regularly to senior management on fraud trends, operational risks, and team performance; stay current with emerging fraud typologies and industry best practices; and act as a hands-on leader who remains close to case details while driving strategic improvements.
• You will be part of Lendable’s Fraud & Financial Crime team, a small, high-impact group within a rapidly scaling unicorn that values resourcefulness, ownership, and technical excellence. The team operates with autonomy and is trusted to make decisions that materially influence the company’s direction and success, reflecting Lendable’s culture of empowering exceptional individuals to solve problems beyond the status quo.
• In this role, you will develop deep expertise in modern fraud prevention techniques within a cutting-edge fintech environment, gain experience leading teams in a high-growth, profitable company backed by top-tier investors, and have the opportunity to shape fraud and disputes strategy for products used by thousands of customers. You will also enhance your leadership, stakeholder management, and analytical skills while working alongside innovators who are rebuilding core financial products using AI, machine learning, and new data sources.

🎯 Requirements

• In-depth knowledge of credit card fraud typologies, disputes, and chargeback processes, including Section 75 claims and Mastercard chargeback procedures.
• Proven experience leading teams, preferably within a fraud, disputes, or financial crime context, with demonstrated ability to coach, motivate, and improve team performance.
• Experience implementing new fraud or disputes processes or operational improvements that enhanced efficiency, accuracy, or recovery rates.
• Excellent written and verbal English communication skills, essential for liaising with customers, regulators, and internal stakeholders.
• Strong organisational skills and comfort working in a fast-paced, dynamic environment where priorities shift rapidly.
• Hands-on approach with a commitment to staying close to process details and case outcomes while driving strategic improvements.

🏖️ Benefits

• Best-in-class compensation package including equity participation in one of the UK’s fastest-growing tech unicorns.
• Flexible hybrid working model: work from home every Monday and Friday, with in-office collaboration at the Shoreditch, London location Tuesday–Thursday.
• Fully stocked kitchen available in-office Tuesday–Thursday, providing breakfast, lunch, snacks, and drinks to support team wellbeing and connection.
• Private health insurance coverage to support physical and mental health.
• Opportunity to work in an inclusive, equal-opportunity environment committed to making Lendable the most open and supportive workspace in London.
• Access to a culture of innovation where you can build and scale technology using machine learning, AI, and new data sources to fight fraud more effectively.

Skills & Technologies

Remote

Degree Required

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Lendable Ltd

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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 £2 billion in loans without maintaining physical branches, focusing on transparent pricing and mobile-first customer experience.

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