Senior Second Charge Mortgage Underwriter

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!

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!

GetGround

We're looking for a Legal and Compliance Director / Senior Director to own and build our legal, regulatory and compliance function as GetGround scales its regulated financial services and property investment platform. With ambitious plans to grow into new markets, this is a role for a highly commercial lawyer who has operated at a senior level, built or led a legal and compliance function, and is ready to help further shape the whole thing. You'll shape how a fast-growing business that operates at the intersection of fintech, proptech and wealthtech, manages risk, meets its regulatory obligations, and earns the trust of customers, regulators, and partners, including as we look beyond our current markets. This role reports directly to the COO. THE OPPORTUNITY GetGround has grown significantly since we last hired in this function. We now have £2Bn+ in assets on platform, 30,000+ users across 70 countries, and a portfolio of regulated products spanning mortgages, property management, and investment tools. Our ambition is to keep growing, including into new geographies, and our legal and regulatory function needs to be ready for that. You'll be shaping the function, not just running it. That means continuing to set the strategy, build frameworks that can scale into new markets, support the team, and being the person the business turns to when the stakes are high. You’ll champion the use of AI and legal technology tools across the function, from contract review and regulatory research to compliance monitoring to make us a faster, more scalable team WHAT YOU'LL BE DOING LEGAL LEADERSHIP * Own all legal matters across corporate, commercial, IP, employment, data, product, and fundraising * Drive and support geographic expansion, including navigating legal and regulatory requirements in new markets * Lead and negotiate high-value commercial partnerships, customer and supplier contracts * Advise the CEO and leadership team on legal risk as we launch new products and enter new markets * Manage external counsel relationships and budgets with rigour and commercial discipline * Build scalable legal infrastructure: templates, processes, playbooks, and training REGULATORY COMPLIANCE * Own GetGround's compliance with FCA regulations across all products and markets, including Consumer Duty, COBS, and MCOB * Act as (or appoint and oversee) the Compliance Officer and MLRO, with full accountability for AML, KYC, and financial crime controls * Lead proactive engagement with the FCA and other regulatory bodies, and build the relationships and frameworks that will underpin future market entry * Ensure all regulated communications, marketing, and customer-facing content meet compliance standards * Keep the business ahead of regulatory change, not scrambling to catch up RISK MANAGEMENT * Design and own the enterprise risk management framework, including risk appetite, policies, governance, and reporting. Leading risk identification, assessment, and mitigation across all business areas BUILDING THE TEAM AND CULTURE * Develop and manage a high-performing legal and compliance team as GetGround scales * Foster a compliance culture that enables the business rather than blocking it: pragmatic, proportionate, and trusted * Be a visible partner across every function: Finance, Product, Engineering, Operations, and Marketing ABOUT YOU You are a qualified solicitor with significant post-qualification experience and crucially, you have moved well beyond pure legal delivery. You are deeply commercial, a leader, and someone who can run the whole legal, compliance, and risk function independently. You bring: * Senior legal leadership experience: 6 + Years of PQE experience and experience heading up the legal function * Commercial instincts: you think like a business person first and a lawyer second, and you are trusted by leadership to make calls that balance risk with growth * FCA expertise: deep, hands-on knowledge of operating within FCA-regulated environments, including Consumer Duty, COBS, and MCOB * Compliance and financial crime: proven experience with AML, KYC, and financial crime frameworks, implemented proportionately and pragmatically * International outlook: you are comfortable thinking across jurisdictions and have the curiosity and commercial mindset to help GetGround navigate new markets as our expansion plans take shape * People leadership: you are as strong with people as you are with legal matters, and you know how to build culture, develop talent, and influence across a business * Board-level credibility: you are comfortable advising executives and presenting to boards, and you know how to influence without authority Highly desirable: * Experience with property, mortgage, or investment products * Familiarity with international or emerging market regulatory frameworks * Having held a named FCA-approved person status We know that great candidates don't always match every point on a job description. If this role excites you and you meet most of the criteria, we'd encourage you to apply anyway. What we are building: The first end-to-end real estate investment offering - making the dream of owning real estate more accessible to everyone globally. Diversity & inclusion at GetGround: We encourage applications from all sections of society and we believe in the criticality of an inclusive culture. We are committed to equal employment opportunity regardless of race, religion or belief, ethnic or national origin, disability, age, citizenship, marital, domestic or civil partnership status, sexual orientation, gender identity or any other basis as protected by law. * 42% of our employees identify as female or non-specified, 58% as male * 22 nationalities represented across offices in 5 countries * Our work on Design Accessibility * Inclusion is at the heart of our culture - we celebrate and reflect on key D&I and cultural events such as: Black History Month, International Women's Day and Pride For more information on how we store your candidate data, please see our recruitment privacy policy.