Credit & Commercial Manager

Secured Credit Risk Manager

Lendable

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting THE ROLE We're building our second charge mortgage product from the ground up. We're looking for a Credit & Commercial Manager to own credit strategy for this product — someone who understands the mechanics of secured lending end-to-end, from quote through to completion. This is a foundational hire. You'll shape how we assess risk, price loans, and structure our credit policy, working closely with a small, senior cross-functional team spanning product, engineering, legal, and commercial. If you've spent years working in secured lending and want to help build something new rather than maintain something old, this is the role. WHAT YOU'LL DO * Define credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworks * Own risk scoring and pricing — develop and refine scorecards, risk segmentation, and pricing models that balance volume with portfolio quality * Drive growth whilst balancing risk — use analytic and credit judgment to drive growth through credit policy, work with the commercial team team to hit volume targets, and all whilst maintaining portfolio quality * Own the IRR/NPV/cashflow models - ensure we understand the economics of the asset we’re booking, and drive changes where needed * Design automated decisioning logic — translate credit policy into executable rules and decision trees that can be embedded in the platform, working with engineering to build the quickest, most automated secured product on the market * Help shape funding strategy — collaborate with the Capital Markets team to inform investor parameters around LTV limits, property valuations, and portfolio concentration, translating these into practical credit policy * Inform the property valuation and security process — ensure credit policy accounts for valuation methodology, panel management considerations, and charge registration requirements * Monitor portfolio performance — track early indicators, refine strategy based on outcomes, and report to senior stakeholders * Collaborate cross-functionally — work daily with product and engineering to embed credit decisioning into the platform, and with legal and compliance to ensure regulatory alignment (MCOB, Consumer Duty) * Get stuck in — this is a small team building something from scratch. You'll be hands-on across the full credit lifecycle, not managing from a distance WHAT WE'RE LOOKING FOR * Deep experience in secured lending credit risk — you've worked on second charge mortgages or similar secured products (bridging, BTL, specialist residential) and understand the product inside out * Strong knowledge of risk scoring and pricing — you've built or materially contributed to scorecards, pricing frameworks, or credit policy in a secured lending environment * Understanding of funding and capital constraints — you know how LTV covenants, property valuations, and investor criteria shape what you can lend and to whom * Commercial awareness and growth mindset — you understand that credit policy exists to enable lending, not prevent it. You think about accept rates, broker conversion, and competitive positioning alongside risk metrics * Familiarity with the end-to-end secured lending process — from quote through to completion, including how valuation, legal, and land registry processes interact with credit decisions * Analytical rigour — you're comfortable with data. SQL is required and Python experience is a plus, but what matters is that you think in numbers and can interrogate MI to drive decisions that lead to more good quality lending * Regulatory awareness — working knowledge of MCOB and FCA requirements for second charge lending * Experience designing for scale and automation — you understand how to structure underwriting policy as decision logic, scorecards, and rules that can be executed programmatically. You think in terms of tens of thousands of applications, not manual case-by-case review NICE TO HAVE * Experience with loan servicing — settlements, collections, arrears management, and recoveries in a secured lending context * Exposure to broker distribution models and how credit policy interacts with intermediary channels * Experience working in a startup or scale-up environment, or a desire to move from a large organisation into one * Experience with decisioning platforms or rules engines LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!

Senior Credit Analyst

Lendable

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting THE ROLE We're building our second charge mortgage product from the ground up. We're looking for a Credit & Commercial Manager to own credit strategy for this product — someone who understands the mechanics of secured lending end-to-end, from quote through to completion. This is a foundational hire. You'll shape how we assess risk, price loans, and structure our credit policy, working closely with a small, senior cross-functional team spanning product, engineering, legal, and commercial. If you've spent years working in secured lending and want to help build something new rather than maintain something old, this is the role. WHAT YOU'LL DO * Define credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworks * Own risk scoring and pricing — develop and refine scorecards, risk segmentation, and pricing models that balance volume with portfolio quality * Drive growth whilst balancing risk — use analytic and credit judgment to drive growth through credit policy, work with the commercial team team to hit volume targets, and all whilst maintaining portfolio quality * Own the IRR/NPV/cashflow models - ensure we understand the economics of the asset we’re booking, and drive changes where needed * Design automated decisioning logic — translate credit policy into executable rules and decision trees that can be embedded in the platform, working with engineering to build the quickest, most automated secured product on the market * Help shape funding strategy — collaborate with the Capital Markets team to inform investor parameters around LTV limits, property valuations, and portfolio concentration, translating these into practical credit policy * Inform the property valuation and security process — ensure credit policy accounts for valuation methodology, panel management considerations, and charge registration requirements * Monitor portfolio performance — track early indicators, refine strategy based on outcomes, and report to senior stakeholders * Collaborate cross-functionally — work daily with product and engineering to embed credit decisioning into the platform, and with legal and compliance to ensure regulatory alignment (MCOB, Consumer Duty) * Get stuck in — this is a small team building something from scratch. You'll be hands-on across the full credit lifecycle, not managing from a distance WHAT WE'RE LOOKING FOR * Deep experience in secured lending credit risk — you've worked on second charge mortgages or similar secured products (bridging, BTL, specialist residential) and understand the product inside out * Strong knowledge of risk scoring and pricing — you've built or materially contributed to scorecards, pricing frameworks, or credit policy in a secured lending environment * Understanding of funding and capital constraints — you know how LTV covenants, property valuations, and investor criteria shape what you can lend and to whom * Commercial awareness and growth mindset — you understand that credit policy exists to enable lending, not prevent it. You think about accept rates, broker conversion, and competitive positioning alongside risk metrics * Familiarity with the end-to-end secured lending process — from quote through to completion, including how valuation, legal, and land registry processes interact with credit decisions * Analytical rigour — you're comfortable with data. SQL is required and Python experience is a plus, but what matters is that you think in numbers and can interrogate MI to drive decisions that lead to more good quality lending * Regulatory awareness — working knowledge of MCOB and FCA requirements for second charge lending * Experience designing for scale and automation — you understand how to structure underwriting policy as decision logic, scorecards, and rules that can be executed programmatically. You think in terms of tens of thousands of applications, not manual case-by-case review NICE TO HAVE * Experience with loan servicing — settlements, collections, arrears management, and recoveries in a secured lending context * Exposure to broker distribution models and how credit policy interacts with intermediary channels * Experience working in a startup or scale-up environment, or a desire to move from a large organisation into one * Experience with decisioning platforms or rules engines LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!

Commercial Executive - Credit Cards

ClearScore

Commercial Executive - Credit Cards The ClearScore Commercial Team play a unique role in shaping user experiences. Responsible for partner relationships and commercial strategy, this team are on the front lines of innovation and play a key role in determining how to deploy ClearScore resources across our talented Product, Tech and Analytics teams to make the Clearscore marketplace the best place to shop for credit products. As a Commercial Executive, you will play a key role in building deep relationships with some of the most exciting fintechs and credit providers in the UK, as well as building a deep, data-driven understanding of the drivers of value in the marketplace. Reporting directly into the Credit Cards Commercial Manager, you will work closely with the product team and lending partners on continual optimisation of the product and the conversion funnel, manage commercial relationships with existing partners and negotiate deals with new partners. You will also dive deep into our platform's rich data to derive key business and new initiative insights, produce reports and spot trends. What you will be doing: * Day to day contact for our panel of Cards partners, covering marketplace performance, revenue reporting and ongoing initiatives. * Dive into the rich ClearScore dataset and produce analytics that unlock insight for partners and collaborate with them on the innovation of new propositions. * Build deep relationships with our lending partners with the goal of understanding their ambitions and challenges. * Work collaboratively to optimise the availability and accessibility of their products for ClearScore users. * Negotiate commercial arrangements with new/existing partners to ensure value created by our partnerships is appropriately shared. * Support the wider Commercial Team on Tech resource prioritisation by forecasting the value of new initiatives for ClearScore users, partners, and revenue * Work with the Product team to optimise the marketplace experience for ClearScore users * Create briefs for the Analytics team, seeking to answer data-related questions that get to the next level of detail in our data * Co-ordinate with the Marketing and CRM team on the creation, partner sign-off and performance optimisation of commercial email campaigns Skills we'd love you to have: * A track record of high achievement both at work and in academic performance. * Passion and enthusiasm for the problems we are solving, and an ability to use creativity and initiative in pursuit of these goals. * Ambitious, comfortable with ambiguity and ready to take on a lot of responsibility quickly. * A natural aptitude for data analytics and comfortable drawing insights from data. We don’t need you to be a data expert, but a level of understanding is crucial to being successful. * A growth mindset with a passion for learning. Previous work experience in any of the following would be beneficial, but not a requirement: * Strategy consulting. * A commercially focused and client-facing environment such as relationship / partner / account management. * Relevant work in a consumer finance, fintech or B2B tech company. Why ClearScore? ClearScore is the UK's #1 credit score and report app. We are also present in South Africa, Australia and Canada, with more than 20 million users globally and growing fast. Someone joins ClearScore every 20 seconds. We have established relationships with over 50 of the main lenders in the U.K., and have been a trusted tool for customers to manage their credit and make better financial decisions. Since October 2016 we have helped 1.8 million users take out a new credit card or loan. We are user-centric at our core and we believe in leveraging technology to enable positive financial choices. We are design-led and data-driven and we embed these behaviours in everything we do. Our company culture is a fundamental part of all we have achieved. We believe in hiring smart, driven, passionate and diverse people who are keen on having a real impact in our organisation. We trust you to manage your own time so we offer flexible work and no fixed desk hours. We don't micromanage and we believe in measuring outcomes rather than effort. We have an inclusive culture where all, regardless of seniority, are encouraged to contribute with their ideas, look after their wellbeing and actively seek opportunities for career growth. If you feel like this could be the place for you, apply and our Talent team will be happy to share more. Benefits: 25 paid holidays and a “duvet day” on your birthday Hybrid Work Environment Private health and dental cover - including mental health support through Bupa GP office visits Life assurance scheme Up to 6% matched pension Regular Lunch and Learns with guest speakers Dog-friendly office Daily breakfast and free snacks Access to discounts via Cobens Extras Free sports and social clubs Continued investment into learning and development Leadership-led training In-house psychotherapist Financial coach to help you plan and achieve your goals No clock-watching culture Generous maternity and paternity plans Culture and inclusion representatives Transparent pay structure and a career growth plan Equal Opportunities: ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs   Our Hybrid Model:   We embrace a dynamic hybrid work environment that balances flexibility with collaborative in-person experiences. Our approach is designed to foster innovation, team connection, and individual productivity. Levels 1-5: Minimum 2 days per week in-office Level 6 and above: Minimum 3 days per week in-office We believe this structure offers the best of both worlds - the flexibility of remote work and the synergy of face-to-face collaboration. Our office days are carefully coordinated to maximise team interactions and learning/ mentorship opportunities. What This Means for You: Flexibility to manage your work and life Dedicated in-office days for team building and collaborative projects Office facilities (with plants!) designed for productive interactions Clear expectations and support for maintaining our hybrid schedule We’re committed to creating an inclusive environment that accommodates diverse needs while maintaining our collaborative culture.   Join us in shaping the future of work!   Note: While we offer flexibility, commitment to our hybrid schedule is an important aspect of our team culture and performance expectations.   Inclusion Policy We are always looking for talented individuals to join ClearScore. We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for our people. Please see our People Policy Notice at https://www.clearscore.com/people-notice.