Fraud Strategy Analyst

Lendable Ltd

Job Overview

Location

London

Job Type

Full-time

Full Job Description

📋 Description

• Define and execute fraud strategy for Lendable’s UK Cards portfolio to minimize fraud losses while maintaining an excellent customer experience.
• Use Python and SQL daily to analyze large datasets, uncover hidden patterns, and generate actionable insights that directly influence fraud prevention decisions.
• Develop data-driven strategies to answer critical business questions related to fraud trends, risk exposure, and customer behavior.
• Collaborate with cross-functional teams including product, engineering, and operations to implement fraud mitigation strategies into live systems and customer journeys.
• Automate routine reporting and intelligence sharing processes to improve efficiency and ensure key stakeholders receive timely, accurate insights.
• Continuously monitor the performance of implemented fraud strategies, measure impact, and identify new opportunities for optimization and innovation.
• Translate complex data findings into clear, strategic recommendations that drive business outcomes and reduce financial risk.
• Work in a fast-paced, high-autonomy environment with minimal bureaucracy, where decisions directly affect company growth and customer trust.
• Contribute to building in-house technology using machine learning and AI to automate fraud detection and reduce manual intervention.
• Engage with evolving product portfolios to adapt fraud strategies as new financial products are launched or scaled.
• Act as a key advisor in balancing fraud prevention with customer experience, ensuring security does not compromise usability or satisfaction.
• Participate in the full lifecycle of fraud strategy development—from hypothesis generation and data analysis to implementation and post-launch evaluation.
• Work closely with data scientists, engineers, and business leaders to align fraud initiatives with broader company goals and technological capabilities.
• Stay current with emerging fraud tactics and industry best practices to ensure Lendable’s strategies remain ahead of threats.
• Contribute to a culture of relentless resourcefulness, where finding smarter solutions than the status quo is expected and rewarded.
• Take ownership of outcomes with direct accountability for the effectiveness of fraud strategies on the UK Cards business.

🎯 Requirements

• Foundational understanding of SQL and Python with proven ability to apply them in day-to-day analytical tasks
• Proven experience (1 year+) in shaping fraud prevention strategies in a financial services or fintech environment
• Demonstrated ability to use data to drive business outcomes and make strategic decisions
• Natural curiosity and strong problem-solving skills with a desire to dig into complex systems to understand how they work
• Startup mindset: comfortable in a fast-growth, entrepreneurial environment with high autonomy and low bureaucracy
• Ability to collaborate effectively across technical and non-technical teams to implement data-driven strategies

🏖️ Benefits

• Private health cover for physical and mental wellbeing
• Retirement and savings plans to support long-term financial wellbeing
• Employee referral programme with competitive bonus payouts
• Complimentary lunches and fully stocked kitchen on in-office days at select locations
• Cycle-to-work and electric vehicle salary sacrifice schemes (available in select locations)
• Flexible working arrangements: hybrid roles require three days in-office weekly; fully remote roles include regular in-person socials and off-sites

Skills & Technologies

Python

Remote

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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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