Credit & Commercial Senior Analyst
Lendable
Credit & Commercial Senior Analyst
Lendable
UK fintech marketplace lending for consumers
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 most exciting unicorns with a team of over 800 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.
Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting
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.
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.
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.
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!
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).
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 is a UK fintech that connects borrowers with institutional investors to fund unsecured personal loans, operating as a two-sided marketplace rather than lending from its own balance sheet. Its products are issued digitally, with AI/ML credit scoring that analyzes many data points beyond traditional credit scores to deliver instant decisions and fast funding, while eligibility checks won’t affect credit scores. In addition to personal loans, it offers Autolend car finance and Zable credit products (including in the US). The company differentiates itself by using automated credit decisions and sourcing capital from institutions to bypass traditional banking bottlenecks, with a goal of expanding access to consumer credit for a broad segment of UK residents and growing its product suite.
Explore more opportunities at Lendable