Credit Hire / TPPD Handler

Marshmallow

We’re on a mission to make migration easy. We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans. But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones. To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest. We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you. ABOUT THE TEAM The Settlement team manages third party damage and credit hire claims and plays a key role in delivering fair, efficient and commercially sound outcomes. We work closely with policyholders, witnesses, third party insurers and wider claims teams to resolve cases quickly and make sharper decisions for customers. Day to day, the team investigates claims, assesses liability and indemnity, and keeps cases moving with clear communication and strong judgement. It’s a team built for people who want more autonomy, more pace and more opportunity to improve how claims work. WHAT YOU'LL BE DOING * Manage a portfolio of Third Party Property Damage (TPPD) and Credit Hire claims, progressing them efficiently in line with our processes * Triage and manage inbound communications effectively, routing work to support timely claim resolution * Investigate claims and assess liability and indemnity with policyholders, witnesses and third parties to identify recovery opportunities and make sound decisions * Keep policyholders informed with clear, empathetic communication throughout their claim journey * Set and maintain claim reserves and process payments in line with our reserving approach * Identify intervention opportunities, refer to specialist suppliers, escalate potential fraud or complaints, and support team administration We offer a flexible hybrid work model, with the team coming together at our London office once every two weeks. YOUR EXPERTISE * Hands-on experience managing Credit Hire and Third Party Property Damage (TPPD) claims, including challenging hire periods, rates, and credit hire agreements. * Solid grasp of relevant case law and when to apply it, and confidence discussing liability and indemnity decisions. * Comfortable setting and maintaining reserves and processing payments within agreed authority levels, with a track record of sound, independent decision-making. * Used to managing a varied caseload at pace, prioritising effectively and keeping claimants and third parties informed throughout. WHO YOU ARE * You balance commercial judgement with a customer-focused approach. * You make decisions confidently and know when to escalate for another view. * You stay organised and prioritise well when managing multiple cases at pace. * You look for better ways of working and support wider team goals, not just your own caseload. PERKS & BENEFITS * Bonus scheme designed to reward high performance * Private medical insurance with Vitality, mental health support with Oliva * Personal learning budget and 2 dedicated L&D days a year * Monthly flexible benefits budget to spend as you choose * 25 days holiday plus bank holidays * 4 weeks Work From Anywhere per year OUR PROCESS 1. Initial call with a member of our Talent Acquisition team, call, 30 minutes. 2. Interview with two members of the Claims team, 1 hour. We review every application and will always let you know the outcome, though we're unable to provide individual feedback at application stage. Diversity of thought We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.

Abound

About Abound We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation. And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us. About The Role We are hiring a Senior Credit Strategy Manager to lead the growth and performance of our Express / Mid-prime segment, one of our highest-priority areas. This is unsecured personal lending in the higher-APR mid-prime space (30% - 50% APR), with loans typically from £2,000 to £10,000, and customers acquired primarily through price-comparison and aggregator marketplaces. Our ambition is to scale this segment substantially while improving its economics, and this role owns the credit strategy that makes that possible. This role sits at the intersection of credit risk and commercial strategy. It is about making better decisions on who we serve, how we quote and offer them at the point of acquisition, how we underwrite, how we manage portfolio performance, and how we grow profitably and at pace. We are looking for someone with strong credit judgement and sharp commercial instinct, someone who can combine risk discipline with a real understanding of growth, customer outcomes, and contribution economics. The defining challenge of the role is balance: building a portfolio of genuinely good credit quality while taking volume up by an order of magnitude. You will need to know, in detail, how those two objectives can be reconciled in this segment rather than traded off against each other. Our decisioning is built on Open Banking and cashflow underwriting rather than credit scores alone. For a higher-APR population acquired through marketplaces, seeing real affordability is what lets us select and price better than the market. The art of the role is commercial as much as analytical: capturing that data advantage while managing its effect on conversion, so that better selection and profitable growth move together rather than against each other. The role requires a hands-on operator who is comfortable getting into the detail of credit performance, pricing and offer strategy, underwriting, segmentation, and monitoring, while also shaping the broader direction of the Express / Mid-prime portfolio. You will work closely with risk, product, commercial, and data science teams to ensure credit strategy is effective, pragmatic, and aligned with our growth objectives. This is a senior hire. We are looking for someone who brings directly relevant experience, sound judgement, and the confidence to set direction and move quickly in a fast-moving environment. What you'll be doing * Own the design, execution, and ongoing refinement of credit strategy for the Express / Mid-prime segment, with direct accountability for the balance between growth and credit quality. * Lead how we quote and offer customers across aggregator and price-comparison marketplaces, optimising risk-based pricing, eligibility, and offer presentation to win the right customers at the point of acquisition. * Understand and actively manage adverse selection in marketplace-acquired lending, designing the offer, pricing, and decisioning strategy to attract the customers we want and screen out the risk we do not. * Partner with data science to ensure our credit models are properly calibrated, adjusted, and retrained for the specific dynamics of this population, rather than inherited from prime or adjacent segments. * Use credit risk insight and commercial judgement to optimise portfolio economics, balancing growth, loss rates, approval rates, pricing, and customer quality so that the segment scales profitably. * Monitor portfolio performance across the customer lifecycle, identifying emerging trends, risks, and opportunities within the Express / Mid-prime population. * Shape underwriting strategy, segmentation, credit policy, and decisioning logic in partnership with risk, product, and data science teams. * Evaluate the impact of strategy and pricing changes, and translate analysis into clear recommendations for action. * Own the quality, clarity, and usefulness of management information (MI) and performance reporting for the segment, and define the metrics, monitoring, and risk reporting frameworks that support consistent decision-making. * Partner with product, commercial, and data teams to assess new initiatives, customer segments, product changes, and growth opportunities through a credit risk lens. * Identify and escalate emerging risks, adverse trends, or concentration issues, while highlighting opportunities to improve strategy performance. * Contribute to governance forums and senior discussions with clear, structured updates on portfolio performance, strategy effectiveness, and key risk themes. * Support external reviews, audits, funding discussions, and due diligence where required, particularly in relation to portfolio performance and credit strategy. Who You Are * A strong credit risk and strategy professional who combines analytical rigour with commercial thinking, and who is energized by the challenge of scaling a higher-risk segment profitably. * Deeply comfortable operating at the intersection of risk and growth, and able to make decisions that genuinely serve both rather than defaulting to caution. * Fluent in the mechanics of marketplace acquisition: how customers are quoted and offered on aggregators, how pricing and eligibility shape the book you end up with, and how adverse selection plays out if it is not actively managed. * Commercially astute about the trade-offs of richer data: alert to the fact that deeper affordability assessment can affect conversion, and motivated by the challenge of capturing its full value without sacrificing growth. * Hands-on and detail-oriented, but also able to step back and think strategically about portfolio direction and business priorities. * Confident challenging assumptions, interpreting performance trends, and turning analysis into practical action. * Commercially aware, with a strong grasp of unit economics and a clear understanding that credit strategy decisions need to work for both portfolio performance and ambitious growth. * Credible and collaborative, with the ability to work effectively across risk, product, commercial, and data science teams. * Structured, proactive, and comfortable operating in a scaling environment where priorities evolve quickly and ownership is expected. Experience & Background * Significant experience in credit risk, credit strategy, or portfolio management within consumer lending, in a role where you were accountable for commercial outcomes and not only reporting. * Direct, hands-on experience in higher-APR unsecured personal lending, typically in the c.30 to 50% APR range, with customers acquired through price-comparison and aggregator marketplaces. This is the core of the role, and we are specifically looking for people who have done it. * A strong, practical understanding of adverse selection in marketplace-acquired lending and the levers that mitigate it: offer and pricing strategy, eligibility design, and decisioning. * Experience working with data science teams to adjust, recalibrate, and retrain credit models for a specific customer segment, and a clear understanding of why models built for prime or adjacent populations do not transfer unchanged. * A proven ability to balance risk appetite, approval rates, losses, pricing, and growth objectives, and to scale volume materially while protecting credit quality. * Experience using analysis and portfolio insight to influence business and strategy decisions, not just to report on outcomes. * Experience across one or more consumer lending products such as Unsecured Personal Loans (UPL), BNPL, credit cards, or adjacent products. * Strong written and verbal communication skills, with the ability to present clearly and credibly to senior stakeholders. * Comfortable working closely with data scientists and analytical teams, but this is not a pure technical data science role. * This is not an entry-level position. We are looking for someone with the experience and judgement to operate as a senior individual contributor or manager-level leader. What we offer: * Everyone owns a piece of the company - equity * Hybrid with 3 days a week in the office * 25 days’ holiday a year, plus 8 bank holidays * 2 paid volunteering days per year * One month paid sabbatical after 4 years * Employee loan * Free gym membership * Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering

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!