Senior Lending Manager

LHV Bank

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards.  Customers can conveniently access these services through the LHV App, enabling secure account opening and management. We are currently seeking a Senior Anti-Financial Crime & Onboarding Analyst, to support both our Anti-Financial Crime (AFC) efforts and client onboarding. This is primarily an office-based role, requiring a minimum of two days per week in either the Manchester or London office. Additional travel to these offices may occasionally be required. About the job The Senior AFC and Onboarding Analyst supports the delivery of effective first line financial crime controls and client onboarding activities within SME Lending. The role is responsible for assisting with KYC, EDD, sanctions screening, onboarding including quality assurance, and ongoing process improvements to support the continued growth of the franchise while maintaining strong control standards. Reporting to the Anti-Financial Crime & Onboarding Manager the role will work closely with Head of SME Product, Risk and Financial Crime, Lending Managers, Operations, and Compliance, to ensure onboarding is completed efficiently, consistently, and in line with internal policies and regulatory expectations. In this role, you will play a pivotal part in the frontline defence against financial crime, serving as a subject matter expert and point of reference for team members. You’ll be responsible for assisting with and overseeing the quality and accuracy of due diligence performed by the frontline team, ensuring high standards are consistently met. You’ll work in close partnership with internal stakeholders and external partners to strengthen and evolve our AML and KYC processes, and assist the AFC and Onboarding Manager in providing regular updates via preparation of MI on financial crime risk. If you’re a KYC professional seeking an opportunity to shape policies and procedures, support team development, and share your expertise across the wider function we’d be excited to hear from you. Key Responsibilities * As a 1st Line Anti-Financial Crime & Onboarding Analyst you will be responsible for supporting customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring activities to ensure the Bank's compliance with anti-money laundering (AML) and Know Your Customer (KYC) regulations. You’ll play a critical role in identifying and mitigating financial crime risk at the frontline of customer interaction. * Supporting AML/KYC reviews on new and existing customers in line with internal policies and regulatory requirements. * Review and assess the suitability of customer documentation including corporate structures, identification documents, source of funds/source of wealth evidence and lending-related information. * Utilise internal onboarding and monitoring systems, together with third-party screening tools to conduct and assess sanctions, PEP, adverse media and background checks. * Manage and monitor investigations of alerts from monitoring systems conducted by the frontline, escalating suspicious activity as appropriate. * Liaise with internal teams to obtain missing information or resolve KYC issues. * Contribute to the overall continuous improvement and development of the AML/KYC Operations by supporting the implementation of internal controls, process improvements and documentation updates. * Assist in the preparation of internal reports and MI relating to Financial Crime and AML. * Stay current on AML/CTF legislation, typologies, and regulatory expectations. * Provide guidance and day-to-day support to frontline colleagues on AML/KYC requirements and onboarding best practice. Required Skills * Previous demonstrable experience in a KYC, AML, or compliance role within a financial institution (preferably with experience in Commercial/SME Lending). * Working knowledge of the UK regulatory environment, including the Money Laundering Regulations, JMLSG Guidance, and FCA Handbook. * Familiarity with screening and case management tools e.g. LexisNexis, ComplyAdvantage, RiskNarrative, Dow Jones. * Team player with a proactive attitude and ethical mindset. * Ability to work under pressure and manage workload in line with SLAs. * Strong communication skills including the ability to forge new connections with existing stakeholders and escalate risks diligently in line with agreed processes. * Keen eye for detail and problem solving with an investigative mind and the desire to find solutions to problems independently and quickly using a risk-based rationale in line with relevant legislation.   Some of our benefits (only applicable to UK based roles not Internship programmes)  * Competitive salary &lots of opportunities to learn, grow and progress professionally. * Open and inclusive culture.   * Hybrid working. * Fantastic offices and great working environment. * Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)  * Health cash Plan (Medicash health plan Level 3) * 6% employer pension contribution. * Life assurance – 4 x salary. * Income protection insurance – 75%   * 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year. * Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.  * Enhanced family friendly and family forming policies. * Access to a wide range of retail discounts.  * Team Socials.

Clasp

ENGINEERING DIRECTOR, LENDING (CLASP FINANCE) Remote (ET & CT time zones only – some travel required) About Us Clasp is a venture-backed, mission-driven startup transforming access to education and career pathways. We are revolutionizing the way employers attract and retain critical talent and the way colleges and universities support their students through education financing — all while tackling the student debt crisis. (Yep, we think BIG.) We like to think of ourselves as more than a fintech; we're a catalyst for economic mobility. A Forbes fintech 50 company, portfolio company of SHRM (Society for Human Resource Management — the largest HR organization out there!) and recipient of "Startup of the Year" by StartUp Boston, Clasp is driven by our commitment to social impact and innovation. Our work spans two business lines: Clasp Talent helps healthcare employers attract and retain critical talent by connecting them with diverse candidates and using student loan repayment as a powerful recruiting and retention tool. We meaningfully connect employers, educational institutions, and learners to drive mutual benefit. Clasp Finance equips colleges and universities with lending technology to launch and operate their own private student loan programs, enabling schools to step in and support their students directly with financial aid. Recent federal financial aid changes are reshaping how institutions think about supporting their students, and Clasp Finance is poised to meet this moment. Join us on our journey to give power to learners and unlock fulfilling careers that drive positive change in their communities and beyond. What We Need Clasp is searching for an Engineering Director to own the technical heart of Clasp Finance. This is a fun role: you will lead a small, high-impact engineering team, drive technical debt resolution, and hold the long-term health of the platform to a high standard. We’re looking for a hands-on modern technical leader who leverages AI to ship meaningful improvements, can evaluate and implement tooling across various technical stacks, and remains close enough to the work to earn respect from their teammates. While they can be doers, their real leverage is the team around them. They grow people deliberately, partner genuinely with others, and move on good ideas without waiting for permission. You will be embedded in the Clasp Finance business line, working directly with our Senior Product Manager for Lending to build an enterprise-grade loan origination platform, as well as partnering directly with stakeholders on critical data pipelines, and servicing and collections efforts. You will report to Engineering Leadership and have a dotted reporting line to the GM of Clasp Finance. We want someone who is excited by fintech and the unique challenges that the lending industry affords; they are willing to lean into hard problems and work with others to deliver meaningful features for internal and external stakeholders. We need someone who is a deep systems thinker and who loves to develop talent to asymmetrically scale teams and their impact. What You'll Do * Own the Technical Roadmap: Define and drive the engineering strategy for Clasp Finance in close partnership with the GM and Product Manager, and cross-functional stakeholders across lending operations, compliance, and sales. Translate business priorities into a sequenced technical plan – balancing new feature delivery against platform investment and regulatory requirements. * Lead and Grow the Team: Manage a small engineering team, setting clear goals, running effective 1:1s, and creating an environment where engineers do their best work. Partner with the Engineering Leadership on development, leveling, and team structure as Clasp Finance scales. Be a hands-on contributor where it matters — code reviews, architecture decisions, and unblocking the team on hard problems. * Partner Cross-Functionally: Work closely with compliance and legal to ensure the platform holds up under regulatory scrutiny. Understand our internal customer needs to streamline operations. * Think in Multipliers: You'll be working with a lean team against a big surface area. That means constantly asking where AI, automation, contracted staffing and tooling can create leverage and building the systems that make each engineer on your team significantly more productive than they'd be anywhere else. * Scale the Platform: Collaborate with Clasp Talent engineering leadership to detangle co-mingled codebases across business lines, align on shared services, and maintain a coherent overall technical architecture. Make principled trade-offs between build vs. buy, and communicate cost implications clearly to leadership. Ensure the loan origination system, credit model tooling, and school-facing administrative platform are reliable, scalable, and auditable. What You'll Need * Experience in Engineering Leadership: Experience managing engineers in a fintech, lending, or regulated domain environment. This role is not for first-time managers as it will require you to hit the ground running, juggling stakeholder management, technical execution, and people management. * Technical Depth: 5+ years of hands-on software engineering experience, with recent and meaningful depth in Python, JavaScript and/or TypeScript. Experience with Next.js and modern state management patterns. You can credibly review code, diagnose architectural problems, and make technology choices your team will trust. * Cloud & Architecture Experience: Experience working with cloud-based applications and infrastructure. Our platform leverages Firebase and Firestore, so experience with NoSQL document modeling is strongly preferred. Familiarity with GCP is a plus, though equivalent experience in AWS or Azure environments is also valued. * Communication Skills: Strong verbal and written communication, with the ability to explain complex ideas to both technical and non-technical stakeholders, including executive leadership and external school customers. * Strategic Thinking: Ability to leverage both qualitative and quantitative data to inform all decisions, and to make confident calls under uncertainty. What We Give In Return * Competitive cash and equity compensation * Health benefits (health, dental, & vision) * Student loan repayment benefits * 401k matching * Commuter benefits * Flexible PTO policy * Opportunities to grow and perform in a fast-paced environment alongside a stellar team Salary The salary range for this position is competitive and will be commensurate with the candidate's experience, qualifications, and industry knowledge, ranging between $200,000 to $210,000 annually. In addition to the base salary, we offer an attractive equity component as part of our compensation package, providing an opportunity for eligible employees to share in the success and growth of our company. We are committed to offering competitive compensation and benefits packages to attract and retain top talent. Closing If you are a driven engineering leader with deep fintech expertise and a passion for building systems that meaningfully serve the people who rely on them, we want to hear from you. Join us in reshaping how schools support their students and making a lasting impact on the future of higher education financing. Apply now to be part of our growing team! We are committed to creating a diverse and inclusive workplace where all employees feel valued, respected, and empowered to contribute their unique perspectives and talents. Clasp is an equal opportunity employer and prohibits discrimination and harassment of any kind. We embrace diversity and are dedicated to providing equal employment opportunities to all individuals regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by law.

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