Job Overview
Location
London, UK
Job Type
Full-time
Category
Software Engineering
Date Posted
February 25, 2026
Full Job Description
đź“‹ Description
- • Join Lendable, a rapidly growing fintech unicorn, and become an integral part of our Financial Operations team as a Payments Operations Associate. In this pivotal role, you will be instrumental in ensuring the seamless, accurate, and efficient processing of all payments across Lendable’s diverse lending products. Reporting directly to the Senior Payments Analyst, your responsibilities will span the daily execution of critical payment flows, meticulous reconciliation processes, and proactive exception management. You will not only maintain the integrity of our financial operations but also actively contribute to the continuous improvement and optimisation of our processes, ensuring they scale effectively with our ambitious business growth.
- • This role offers a unique opportunity to take ownership of a broad remit within a dynamic and fast-paced environment. You will be empowered to make decisions that have a tangible impact on Lendable's success from day one. Working within a small, high-calibre team of exceptionally resourceful individuals, you will collaborate to solve complex problems and devise smarter, more efficient solutions than the current industry standards. We are committed to building the best technology in-house, leveraging cutting-edge data sources, machine learning, and AI to automate heavy lifting and enhance operational efficiency.
- • Your day-to-day activities will involve the meticulous processing and reconciliation of all incoming and outgoing payments. This includes ensuring that customer accounts across all Lendable products, including loans, credit cards, and car finance, are updated promptly and accurately. You will be the first point of contact for managing and resolving payment-related queries and tickets, requiring close collaboration with both internal departments and external partners to investigate and swiftly resolve any issues that arise.
- • A key part of your role will be preparing and reviewing payment files for upload, supporting essential weekly and month-end operational tasks, and contributing to vital reporting requirements. You will actively monitor our payment systems and dashboards, diligently identifying exceptions and working with urgency to resolve discrepancies, thereby maintaining optimal operational efficiency and financial accuracy.
- • Maintaining an up-to-date understanding of relevant payment regulations and compliance requirements is crucial. You will be expected to stay informed about industry changes and ensure our operations adhere to all legal and regulatory standards. Furthermore, you will play an active role in suggesting and supporting improvements to our payment operations processes. Your insights will be invaluable in helping us keep pace with our rapid growth and uphold our commitment to maintaining best-in-class operational standards.
- • Beyond routine operations, you will have the opportunity to support wider financial operations initiatives and projects, contributing to the strategic development of our financial infrastructure. This includes collaborating with colleagues in finance, customer operations, and compliance to streamline workflows and enhance overall operational effectiveness. Your diligence, accuracy, and proactive approach will be key to succeeding in this multifaceted role.
- • The ideal candidate will possess a sharp attention to detail, a robust understanding of payments operations, and a genuine enjoyment of collaborative teamwork. Experience within the fintech or consumer lending sector, coupled with confidence in using back-office lending systems and working with repayment schedules, will be highly advantageous. Familiarity with SQL or specialised payment data tools is considered a strong bonus, enabling you to contribute even more effectively to our data-driven environment.
- • By joining Lendable, you will be part of a team at the very heart of a leading fintech company's growth trajectory. You will benefit from significant opportunities for personal and career development within a supportive, collaborative, and ambitious culture. This role provides excellent exposure across all of Lendable’s lending products, allowing you to work alongside talented professionals and gain a comprehensive understanding of our business operations. We offer a competitive salary, a flexible benefits package, and clear progression opportunities for dedicated individuals.
🎯 Requirements
- • Minimum 2 years’ experience in a payments operations or finance operations role, preferably within a fintech or consumer lending business.
- • Solid understanding of UK payment rails (Faster Payments, BACS, CHAPS) and experience with payment platforms or providers.
- • Highly proficient in using Google Sheets/Excel for everyday reconciliation and operational tasks, including Vlookup, pivot tables, and data validation.
- • Excellent organisational skills, with the ability to manage priorities and meet deadlines in a dynamic, fast-paced environment.
- • Diligent, accurate, and process-oriented approach to transaction processing and adherence to procedures.
- • Comfortable working in a fast-paced, at times ambiguous, and rapidly evolving environment.
- • Proactive communicator, adept at working collaboratively within a team and with external partners.
- • Eagerness to identify process improvements and contribute to a high-performing operations function.
- • Familiarity with SQL or working with data systems is a bonus.
- • Experience with back-office consumer lending systems and working with repayment tables/schedules is highly advantageous.
🏖️ Benefits
- • Competitive salary and equity options.
- • Flexible working arrangements, including the option to work from home on Mondays and Fridays.
- • Comprehensive private health insurance for physical and mental well-being.
- • Fully stocked office kitchen with breakfast, lunch, snacks, and drinks provided Tuesday-Thursday.
- • Opportunities for significant personal and career development within a fast-growing company.
- • Exposure to all of Lendable’s lending products and collaboration with talented professionals across the business.
- • Be part of a leading fintech company's growth story with a clear impact on operations.
Skills & Technologies
Rails
Junior
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.
