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!

Zopa

Our Story   Hello there. We’re Zopa.   We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!    We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.    If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife Zopa are looking for a new Senior Credit Strategy Analyst to join our high performing credit analytics and strategy team.   This team is responsible for driving step-change improvements in credit performance by developing risk models, hypothesis testing, and monitoring portfolio trends.      Collaboration is key at Zopa which means you'll work closely with our cross-functional teams including data science, product, and engineers to develop and drive growth strategies, influence strategic decisions and identify new opportunities through the application of leading-edge analytical techniques.       We look for bright individuals with a passion for translating numbers into business opportunities and delivering insights to drive decision-making - if this resonates with you, we'd love to hear from you!    Why join Credit Strategy at Zopa?    - As a Senior Analyst, you will be entrusted to lead on our most complex and highest impact projects.    - You will work in a team that covers a broad remit across lending strategy, credit policy, affordability, fraud, valuations, and pricing.   - Zopa offers a broad range of lending products, including unsecured personal loans (UPL), credit cards, secured loans for the purchase of a car and point-of-sale finance, which all pose different analytical challenges.   - You work with some of the best tech in the industry, such as powerful Python instances for data analysis and machine learning and Redshift for data warehousing.    - All our decisioning systems are built in-house, meaning that we have nearly unlimited flexibility in what we can implement.    - You work in a wider cross-functional product, credit, and data science team, so you will have the opportunity to work alongside, learn from and mentor some of the brightest minds and friendliest people in the industry!  

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