Senior Commercial 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 ABOUT THE ROLE We’re looking for an analytically-minded Credit & Commercial Senior Analyst to work our commercial & pricing strategy in our motor finance team (Autolend). This role is suitable for someone who loves using strong analytics to optimise our business, improve funnel performance while still delivering a good portfolio return. You’ll be entrusted with thought leadership on our commercial strategy, and have a large remit to set up and optimise our pricing to help achieve our objectives. You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance. TEAM'S OBJECTIVES: Autolend is building high performing portfolios, with bold growth targets and a commitment to responsible lending. Your core responsibilities include: * Optimising our pricing strategy, how much to lend and at what interest rate. * Improving our conversion funnel, responding to qualitative feedback as well as data insights. * Building a product that our customers and partners love. HOW YOU'LL IMPACT THOSE OBJECTIVES * Define our multi channel pricing & commercial strategy and continuously optimise it to grow the business while maintaining strong returns * Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy * Seek out novel strategies and commercial approaches we can take advantage of * Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market * Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance * Monitor and assess the success of implemented strategies and continuously identify areas for improvement. WHAT YOU'LL NEED TO SUCCEED * Daily coding experience, with proficiency in Python and SQL ideally * Proven experience in credit risk or commercial strategy roles, ideally within consumer lending. * A strategic mindset and the ability to translate complex data into clear, actionable decisions. * A focus on delivering results that align with both commercial and customer needs. * A collaborative, open approach and a willingness to challenge your own assumptions * Experience working in marketing / growth roles is a plus, but not required! INTERVIEW PROCESS We’re not corporate, so we try our best to get things moving as quickly as possible. * An initial phone conversation with a member of our team. * Onsite interviews, including a practical case study and team conversations. * A final discussion with a member of our executive leadership (C-suite). 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!

Liberis

Please note that Liberis is unable to provide visa sponsorship for this position. Therefore, all candidates must have full rights to work in the UK for a minimum of 2 years.   At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.   The team We are the Credit and Commercial Strategy team with a goal to drive intelligent decision-making and pricing strategy by applying advanced statistical analytics to a wealth of data. At the heart of the Risk function, our focus is to deliver high-quality instant decisions and pricing strategies for our customers around the world. Risk team is a global team covering Portfolio Analytics, Credit and Commercial Strategy, Underwriting and Collections. We're on a mission to grow Liberis into the world's leading embedded business finance provider, and we're looking for a Senior Credit & Commercial Strategy Analyst to help us make that happen!   The role   You'll design world-class decisioning and pricing strategies that deliver value to both our customers and Liberis. This is your chance to work on diverse projects that aim to fund as many customers as possible while staying within our risk appetite and to help us achieving our ambitious commercial goals. We're looking for someone with experience in an analytical role who can use data to solve business problems, influence decision-making, and deliver meaningful commercial insights.     What you’ll be doing   * Lead the development and optimisation of global decisioning strategies * Shape pricing strategy that balances risk, commercial value and customer outcomes * Make a meaningful impact to the business by driving positive outcomes for as many customers as possible * Explore new and current data sources to optimise decisioning and pricing policy * Collaborate with key risk stakeholders to maintain an acceptable risk level in a fast-evolving environment * Represent Risk to wider business; collaborating with Product and Commercial teams to unlock business value * Work closely with the Machine Learning team on the life cycle of predictive model; propose features for future development * Own and continue to improve the monitoring capability for auto-decisioning rules and predictive models   What we think you’ll need   * 2-4 years of experience in an analytical role * A strong analytical mindset with a passion for turning complex data into insights * The ability to communicate your findings clearly and effectively * A proactive approach to driving initiatives in a dynamic environment * A keen eye for detail without losing sight of the bigger picture * Confidence to work autonomously, while knowing when to seek support * An appetite to understand machine learning models and how they are developed * Proficiency in SQL is required * Strong MS Excel skills are required * GCP experience and Python skills are a plus * Experience with data visualization tool such as PowerBI, Looker. * A solid STEM background is great, but we care more about aptitude than formal education   What happens next? Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!   Our hybrid approach   Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week, but ideally 4 days. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.    #LI-CG1

Liberis

Some key info for you about Liberis:  🌱 We were founded in 2007 💰 We have provided over $3bn of funding to small businesses so far 🚀 We have been named in CNBC & Statista Top 150 UK Fintechs for 2025 🌍 We're a global team, with a dynamic presence in 6 key locations around the world 🧠 We're a thriving community of over 290 innovative minds 👩🏾 🤝 👨🏼 We're a vibrant melting pot, celebrating over 27 nationalities in our team 🏢 Our team brings experience from over 740 previous companies, from startups to global giants 🎯 We have just been named as one of FinTech’s Finest 50 by Welcome to the Jungle 💪 We’re proud to be an accredited Real Living Wage employer, ensuring everyone is paid fairly for the great work they do!   Liberis is in the middle of a meaningful shift. We started as a single-product business and are quickly becoming a truly multi-product embedded finance company, with different funding structures, revenue models and customer relationships sitting alongside each other in the same portfolio. That complexity creates real demand for better data, better insight and clearer thinking about how all of it fits together - with this role sitting at the centre of that challange!    The role: As our Senior Data Product Manager, you’ll sit right at the intersection of product, analytics, engineering and senior leadership, helping define the data products that power smarter decisions across Liberis. You’ll have real ownership over roadmap, prioritisation and ways of working, and your work will directly influence how teams access, understand and use data day to day. This role is a high-impact opportunity for someone who wants to shape how a business uses data at scale! You’ll be joining a team with a broad remit and a genuine mandate to improve the data experience across the company, so there’s a lot of scope to make the role your own and shape the future of the domain. You will own the data and insights product for Liberis, building the foundations that let our commercial, credit and operations teams actually understand the business they're running. That means, thinking carefully about the entities in our data model, how products and customers relate to each other, how those relationships surface in reporting and analysis - and how it eventually all comes out in great dashboards, tools and self-serve capabilities. This is about shipping products which are genuinely useful, not just technically correct. Our Engineering Team is going through an AI-first transformation, rethinking how teams are structured and how they ship. Data, insights and analytics are a crucial part of that journey and you will be a key player in leading, innovating and rapidly improving our posture and capabilities at the intersection of data and AI. If you like solving genuinely hard problems, bringing clarity to complex environments and building products that have visible business impact - this is the role for you!    What you'll do: Your primary job is to help Liberis's commercial decision makers understand the small businesses we serve and how they consider, use and perform across our product range. Doing this well requires a clear conceptual model of the business and a willingness to engage with stakeholders across the business, as well as taste and customer empathy in developing a great insights product including dashboards, insight tools and self-serve capabilities. You will own the roadmap for our internal data & insight products. Working with stakeholders across commercial, credit, finance and operations, you will define what good looks like and then work with your team to build it. You will run prioritisation, manage the backlog and make decisions about where effort goes. You will also spend a meaningful amount of time in the detail, reviewing data models and dashboards, asking hard questions about definitions, and making sure what we ship is accurate and trusted. You will partner closely with the engineering side of your team on how data is modelled and structured in BigQuery and DBT, and with analysts on how it gets presented in Looker. You don't need to write production code, but you need enough technical understanding to be a genuine partner in those conversations. You will also be responsible for continuing to expand our partner-facing reporting, whereby partners gain visibility into their portfolio.   What we think you'll need: This role requires someone who can think clearly about complex data structures and translate that thinking into products that non-technical people actually find useful. The ideal person has strong conceptual thinking skills, great product instincts and enough technical depth to earn the trust of the engineers and analysts they work with.  * Proven experience in a senior data product or analytics product role in a business with real complexity * A track record of helping commercial teams make better decisions through better data, not just shipping dashboards * Strong ability to think about entities, taxonomies and relationships in data * Hands-on experience with Looker and LookML and familiarity with best practices and scalable approaches to these systems * Working knowledge of SQL, DBT and BigQuery, enough to engage seriously with how data is modelled and what's feasible, and to express your thinking in code-speak where needed * Experience working with a multi skilled team of analysts and data engineers * Clear, confident communication with senior commercial stakeholders   Next steps If this opportunity feels like the right fit for your next career move, we’d love to hear from you! Even if you don’t meet every requirement, don’t hesitate to apply or reach out to Chess (Internal Recruiter) on chess.crossley@liberis.com   Our hybrid approach Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week, but ideally 4 days. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.    #LI-CG1