Lendable Ltd

About the role Role Purpose The Head of Operations (Auto/Secured lending) is responsible for the daily performance, development, and continuous improvement of the frontline teams dedicated to one or more of our existing products, spanning both Customer Service and Financial Support functions. Reporting to the Operations Director, you will lead and coach a team of Team Leads, ensuring their teams deliver exceptional service, maintain high operational efficiency, and are accountable for consistently achieving defined service levels alongside consistently meeting regulatory and customer outcomes, including customers in financial difficulty or vulnerable situations. You will play a pivotal role in translating strategic operational initiatives, including those involving AI and automation, into effective frontline execution. You will be accountable for identifying and implementing data-driven improvements that enhance efficiency, scalability, and customer outcomes within your product remit, fostering a culture of continuous improvement and digital adoption across your teams. Key Responsibilities 1. Team Leadership & Development Lead, coach, and develop a team of Team Leads, enabling them to inspire and manage their frontline agents effectively across both customer service and financial support streams. Foster a high-performance culture of continuous learning, accountability, and problem-solving within the operations teams, ensuring a strong focus on empathetic customer support and compliance. Oversee the performance management for the teams, ensuring consistent achievement of KPIs (e.g., customer satisfaction, quality, compliance, productivity, SLAs). Lead the identification of skill gaps and drive upskilling initiatives within your teams to ensure they are proficient and adaptable to new technologies, particularly automation, AI tools, and enhanced digital workflows, fostering a digitally-savvy workforce.2. Operational Oversight & Performance Manage the day-to-day operations of the customer service and financial support teams, ensuring smooth delivery, effective resource allocation, and adherence to service level agreements. Leverage comprehensive data analysis (KPIs, dashboards, quality scores, customer feedback), including insights derived from AI tools, to identify operational trends, performance gaps, and opportunities for automation or process re-engineering. Formulate and propose data-backed recommendations for continuous improvement and strategic adjustments specific to the product within your remit, aiming for enhanced efficiency and customer experience. Proactively address operational challenges and escalations and implement timely solutions to maintain service quality and efficiency.3. Process Improvement & Product Focus Proactively identify and analyse process pain points within the customer journeys and operational workflows, translating these insights into concrete recommendations for automation, digital enhancements, and intelligent process re-engineering, specifically within your product scope. Oversee and drive the implementation of approved automation, digital enhancements, and re-engineered processes, ensuring they significantly improve customer experience, operational efficiency, and accessibility for your product. Champion and embed these innovative process changes and new technological tools within the frontline teams, ensuring smooth adoption, adherence, and alignment with the overarching operational strategy.4. Risk, Quality & Compliance Ensure that all customer interactions and processes related to your product remit meet regulatory and compliance standards, with particular attention to vulnerable or high-risk cardholders. Promote strong risk awareness and adherence to policies within the teams, supporting the embedding of governance and quality frameworks. Accountable for the development, maintenance, and adherence to robust operational procedures, internal risk controls, and relevant compliance documentation. Act as a key point of contact for compliance issues specific to your product remit, supporting corrective actions as needed.5. Stakeholder Collaboration Collaborate effectively with Product, Technology, Risk, and Compliance teams on initiatives impacting customer journeys and operational processes. Communicate performance updates, risks, and improvement recommendations to the Operations Director and relevant internal stakeholders. Represent the operations teams, advocating for frontline feedback and customer insights to drive positive change.6. Reporting & Insight Contribute to operational reporting by providing comprehensive data and insights specific to your product remit, including performance of new automated processes and AI-driven initiatives, covering KPIs, efficiency, and customer outcomes. Proactively leverage analytical insights to diagnose operational issues, identify emerging operational trends and issues within your product domain, driving the implementation of appropriate tooling and tactical actions, and providing data-driven input for strategic improvements. Understanding of compliance, risk management, and regulatory requirements, particularly relevant to financial products and vulnerable customers. Person Specification Experience & Skills Proven experience managing or supervising multiple teams in a customer-facing or operations environment, ideally within a regulated or tech-enabled financial services context. Demonstrable experience in driving team performance and development, including coaching and mentoring Team Leads or supervisors. Strong analytical skills, with the ability to interpret operational data (KPIs, dashboards, quality scores, customer feedback) to identify trends, diagnose root causes, and propose actionable solutions. Demonstrable experience in identifying, evaluating, and successfully implementing process improvements, with a strong focus on leveraging automation, digital enhancements, and AI tools to drive efficiency and enhance customer outcomes at an operational management level. Proven ability to develop, implement, and maintain operational procedures and risk/control documentation. Demonstrable experience in identifying, evaluating, and successfully implementing process improvements, with a strong focus on leveraging automation, digital enhancements, and AI tools to drive efficiency and enhance customer outcomes at an operational management level. Strong written and verbal communication skills, with the ability to effectively engage and influence internal stakeholders. Understanding of compliance, risk management, and regulatory requirements, particularly relevant to financial products like cards and vulnerable customers. Experience managing operations related to a specific product (e.g., cards, Loans, Car Finance) is highly desirable.Behaviours & Approach Customer-Focused: Committed to delivering compassionate, fair, and efficient support to all customers, with a particular awareness for vulnerable cardholders. Action-Oriented Problem Solver: Proactive in identifying operational challenges, analysing root causes, and recommending and implementing effective solutions within their remit. Data-Informed: Uses evidence and insights to guide decision-making and team management, proactively seeking opportunities for data-driven recommendations. Enabling Leader: Motivating and supportive of Team Leads and their teams, fostering a collaborative, accountable, and development-oriented environment. Detail-Oriented & Diligent: Ensures accuracy and completeness in operational procedures and compliance documentation. Adaptable & Resilient: Able to thrive in a fast-paced, dynamic environment, balancing competing priorities and adapting to change. Process & Technology Improvement Mindset: A proactive drive to identify and implement innovative solutions, including automation and

About the roleWe're looking for an experienced, analytical and customer-first Senior Product Manager to join our New Products team, where you'll work closely with one other PM to own all new products together, incubating breakthrough financial products from 0 1 and scaling them to millions of users. In our flat structure with high ownership, you'll have a direct impact on Lendable's next growth vectors, working in small teams of exceptional people who find smarter solutions than the status quo.You'll report to the Senior PM and take day-to-day ownership of cross-functional squads exploring entirely new product opportunities beyond our core lending products. Recent examples of new product launches just in the last few months include Zable Mobile SIM cards and Car Insurance. High ownership : Take full ownership of product lines from day one in our flat organisational structure Exceptional team : Work alongside some of the industry's best engineers, designers, and strategists Real impact : Your products will directly improve financial outcomes for millions of customers Cutting-edge technology : Build with new data sources, machine learning, and AI to automate complex processes Growth opportunity : Join during our expansion into the massive UK and US markets What you'll be doing Strategise: Define the future of consumer finance Work closely with the VP of Strategy and Senior PM to develop product strategies that serve customers now and 5-10+ years out, thinking deeply about how new financial products can transform lives Synthesise market data, customer insights, and business analysis into clear product and business strategies Explore how AI can solve complex consumer financial problems and create competitive advantages Build: Lead 0 1 product development Take ideas from initial concept through validation, MVP launch, and early scaling Generate and test product concepts that resonate with target audiences, establishing clear success criteria Define scope and trade-offs to rapidly get MVPs into users' hands for the most promising opportunities Understand and validate key financial assumptions needed to ensure products are significantly revenue additive at scale Operate: Drive execution at the lowest level of detail Full product line ownership: Independently manage and prioritise product features, making daily decisions that directly impact product direction Hands-on team leadership: Run stand-ups and weekly planning sessions with engineering teams, working with an engineering mindset to optimise developer time for maximum business impact Get your hands dirty with direct customer research, user interviews, and data analysis using SQL to uncover product insights Work shoulder-to-shoulder with engineers on technical implementation decisions and troubleshooting Collaborate directly with designers on wireframes, prototypes, and user experience flows Identify bottlenecks early and map out dependencies that could block product development well ahead of time Roll up your sleeves with Finance and operations to map out scaling dependencies and lead times Take bias for action approach-don't wait for perfect data, make informed decisions and iterate quickly Partner hands-on with marketing on value propositions, messaging, and user acquisition strategies Continuously validate assumptions through direct user testing and product analytics as products scale Collaborate: Enable cross-functional success Work closely with business teams to create new features based on wider business requirements, making countless small decisions that shape the product Excel at working with engineering, product design, data science, marketing, and strategy functions, with the ability to to create and hold your cross-functional partners accountable towards a common vision Align diverse stakeholders around new initiatives through strong communication and influencing skills Lead end-to-end discovery, ideation, and validation with cross-functional squads What we're looking for Essential experience Product management experience: 3+ years building products and 2+ years in a product, strategy or analytics role - ideally with demonstrated success taking ideas from concept through launch and early scaling 0 1 expertise: Proven track record incubating and launching new products in fast-paced, high-ambiguity environments Experimentation mastery: Strong experience with A/B testing, experimentation frameworks, and data-driven product development Technical fluency: Comfortable with SQL and numerical analysis, and ideally some coding; able to dive deep into data to drive product decisions Core capabilities Risk-taking mindset: Comfortable with ambiguity and willing to make bold bets on unproven concepts Strategic thinking: Exceptional ability to synthesise complex information into clear product strategies Operational excellence: Strong prioritisation skills with ability to say "no" and stay focused on highest-impact work Stakeholder management: Track record aligning diverse teams around new initiatives and communicating trade-offs clearly Leadership communication: Ability to influence and communicate effectively with senior leadership, presenting complex product decisions and strategy with clarity and confidence Ideal background Experience in consumer financial products, fintech, or adjacent industries (strong plus) Background working in startup or scale-up environments with flat organisational structures Deep curiosity about emerging technologies and their applications in finance Interview process A Quick introduction call with someone from the Talent Team A take-home exercise - 7 days to complete Take-home task debrief and in person case study - Hiring manager + 1 more PM Final round: + Cognitive test 35 minutes + MD interview 45 minutes + Product interview (case study) - 2 PMs 1 hour + Eng interview - 2 Engineers 45 minutes + CPO 30 minutes The opportunity to scale up one of the world's most successful fintech companies Best-in-class compensation, including equity You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance We're an equal opportunity employer and are keen to make Lendable the most inclusive and open workspace in London

About the roleWe are excited to be hiring a new Data Scientist into our team! Lendable is the market leader in real rate risk-based pricing, offering consumers transparency and product assurance at the point of application. Data Science sits at the heart of this USP, developing the credit risk models to underwrite loan and credit card products.You will have access to the latest machine learning techniques combined with a rich data repository to deliver best in market risk models.This role will primarily focus on our US unsecured loans and credit cards business. Our team's objectives The data science team develops proprietary behavioural models combining state of the art techniques with a variety of data sources that inform market-facing underwriting and pricing decisions, scorecard development, and risk management. Data scientists work across the business in a multidisciplinary capacity to identify issues, translate business problems into data questions, analyse and propose solutions. We self-serve with all deployment and monitoring, without a separate machine learning engineering team. Design, implement, manage and evaluate experiments of products and services leading to constant innovation and improvement. How you'll impact those objectives Learn the domain of products that Lendable serves, understanding the data that informs strategy and risk modelling is essential to being able to successfully contribute value. Rigorously search for the best models that enhance underwriting quality. Clearly communicate results to stakeholders through verbal and written communication. Share ideas with the wider team, learn from and contribute to the body of knowledge. Key Skills Experience using Python and SQL. Strong proficiency with data manipulation including packages like NumPy, Pandas. Knowledge of machine learning techniques and their respective pros and cons. Confident communicator and contributes effectively within a team environment. Self driven and willing to lead on projects / new initiatives. Nice to have Prior experience of credit risk for consumer lending or credit cards, especially for the US market. Interest in machine learning engineering. Strong SQL and interest in data engineering. The interview process Initial call with TA Take home task Task debrief and case study interview Final interviews with leadership team The opportunity to scale up one of the world's most successful fintech companies Best-in-class compensation, including equity You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance We're an equal opportunity employer and are keen to make Lendable the most inclusive and open workspace in London

About the roleWe are looking for an experienced Senior Data Scientist to run marketing and growth analytics in our rapidly evolving multi-product app. As Lendable scales its products across lending, engagement features and other financial services, the complexity and volume of data-driven decisions have grown exponentially. This role is central to unlocking insights that will shape our drive acquisition efficiency and fuel product innovation, overseeing the full breadth of digital and non-digital channels across multiple products.You will be the senior analytical voice across our Zable direct marketing initiatives - owning end-to-end marketing funnel data, capture requirements, insight generation, experimentation strategy, and advanced analytics projects. Beyond individual contribution, you will instill best practices and be a key thought partner to product, growth, and engineering leaders. What You'll Do Impact & Analytical Leadership Analyse marketing campaign performance across multiple channels and conduct analyses to identify trends and opportunities for optimisation Structure and execute high-impact analyses in acquisition funnels to inform marketing spend and product evolution Drive experimentation rigor: design, implement, and analyze A/B tests, multivariate experiments, and cohort studies Co-operate with product and credit teams to ensure mid to deep funnel performance is improved. Data Product Involvement Influence data architecture by contributing to schema design that enable more insights Build high quality, scalable pipelines and transformations that increase interpretability of data and increase the teams' agility Cross-Functional Partnership Serve as a thought partner to Product Managers and Credit Managers - ensuring analytical insight drives roadmap prioritisation and credit assessments. Collaborate with the creative and design team to deepen insights at the creative and campaign level to enhance prioritisation of their ideas. What We're Looking For Core Qualifications 3+ years of experience in data analytics, ideally within a product-led or high-growth tech environment Deep expertise in analytical methods including funnel optimisation, segmentation, cohort analysis, LTV modelling, and regression techniques. High proficiency in SQL and strong command of one or more analytics tools or statistical packages (e.g., Python, R). Hands-on experience with DBT and familiarity with data modelling best practices Skilled in experimentation frameworks (A/B testing, hypothesis testing, causal inference). Demonstrated ability to turn ambiguous problems into structured, hypothesis-driven, data-supported insights. Excellent communication skills with experience influencing cross-functional stakeholders and product leaders. Nice to Have Experience in credit marketing (credit cards, loans, car finance etc.) Experience with paid media platforms (Google Ads, Meta, Tiktok etc.) and working with marketing teams Experience building or contributing to Marketing Mix Models or incrementality testing frameworks. Familiarity with data instrumentation and schema design in product development cyclesInterview process: Screening call Take home task and cognitive tests Case study Final Interview The opportunity to scale up one of the world's most successful fintech companies Best-in-class compensation, including equity You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance We're an equal opportunity employer and are keen to make Lendable the most inclusive and open workspace in London

About the roleAs our Senior Growth Manager (Performance Marketing), you'll be the operational engine behind our growth at one of the UK's fastest-growing fintech companies. Reporting to the Head of Growth, you'll own the tactical campaign management of our digital marketing campaigns.This role combines digital strategy with performance marketing execution - perfect for someone who's a deep specialist in one or more digital channels, with a wide experience and willingness to learn new things.We're looking for someone who takes ownership, spots opportunities others miss, and gets genuinely excited about turning creative concepts into scaled winners. You'll work with sophisticated attribution models, systematic creative testing frameworks, and modern growth methodologies. What You'll Do Own the D2C acquisition strategy across paid social and search, driving volume and efficiency against ambitious incremental CAC targets Lead the launch and scale of new high-potential channels while ensuring Meta, Google, and TikTok channels maintain a best-in-class foundation. Drive the performant creative engine: Translate customer insights and winning patterns into clear, data-informed briefs for our external creator network, ensuring high-performing video content is produced at speed. Systematically analyse creative output to build and refine our hook and concept library, providing actionable feedback to the in-house creators. Execute daily and weekly optimisations across paid channels, leveraging internal attribution models to inform bidding and budget allocation decisions. Maintain and audit the conversion tracking setup to ensure accurate, high-quality signal engineering for ad platform algorithms. Actively triangulate results from multiple attribution sources (e.g. MMM, internal models, incrementality tests) to drive as much impact as possible. What We're Looking For Essential Experience & Skills 2-4 years in performance marketing with strong creative tilt, preferably D2C, challenger brands, and/or fintech Hands-on Google Ads and/or Meta/TikTok campaign management experience Strong analytical mindset with SQL proficiency preferred but not required Deep experience with Meta Ads Manager, Google Ads, and creative testing frameworks Understanding of effective hooks, messaging, and creative formats for social media Familiarity with attribution modeling and incrementality testing concepts Comfortable working with AI tools for productivity and analysis enhancement Significant experience managing multi-million annual budgets Experience in line management or mentorship highly valuable as we build out the team under you Working Style Takes ownership: You see digital marketing opportunities and execute them without detailed instructions Creative and analytical: You balance intuition with data-driven decision making Detail-oriented: You catch performance patterns others miss and build robust testing processes Growth-minded: You're here to learn, improve, and take on bigger challenges Interview Process 1. Screening call with talent team2. Interview with Head of Growth3. Interview with CMO The opportunity to scale up one of the world's most successful fintech companies Best-in-class compensation, including equity You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance We're an equal opportunity employer and are keen to make Lendable the most inclusive and open workspace in London

About the roleWe are excited to be hiring a new Senior Data Scientist for our team! Ideally, this role will suit someone with a proven background in building models ideally in credit, lending, or other areas of financial services. Lendable is the market leader in real rate risk-based pricing, offering consumers transparency and product assurance at the point of application. Data Science sits at the heart of this USP, developing the credit risk models to underwrite loan and credit card products.You will have access to the latest machine learning techniques combined with a rich data repository to deliver best in market risk models.This role will primarily focus on our US unsecured loans and credit cards business. Our team's objectives The data science team develops proprietary machine learning models combining state-of-the-art techniques with a variety of data sources that inform scorecard development and risk management, optimise marketing and pricing, and improve operations efficiency. Research new data sources and unstructured data representation. Data scientists work across the business in a multidisciplinary capacity to identify issues, translate business problems into data questions, analyse and propose solutions. Deliver data services to a wide variety of stakeholders by engineering CLI programs / APIs. Design, implement, manage and evaluate experiments of products and services leading to constant innovation and improvement. How you'll impact those objectives Use your expertise to build and deploy models that contribute to the success of the business. Stay up to date with the latest advancements in machine learning and credit risk modelling proactively proposing new approaches and projects that drive innovation. Learn the domain of products that Lendable serves, understanding the data that informs strategy and risk modelling. Extract, parse, clean and transform data for use in machine learning. Clearly communicate results to stakeholders through verbal and written communication. Mentor other data scientists and promote best practices throughout the team and business. Key Skills Knowledge of machine learning techniques and their respective pros and cons. Ability to communicate sophisticated topics clearly and concisely. Proficiency with creating ML models in Python with experiment tracking tools, such as MLFlow. Curiosity, creativity, resourcefulness and a collaborative spirit. Interest in problems related to the financial services domain - a knowledge of loan or credit card underwriting is advantageous. Confident communicator and contributes effectively within a team environment. Experience mentoring or leading others. Self-driven and willing to lead on projects / new initiatives.Familiarity with data used within credit risk decisioning such as Credit Bureau data, especially across multiple geographies is an advantage. The interview process We're not corporate, so we try our best to get things moving as quickly as possible. For this role, we'd expect: A quick phone call with the people team Interview with hiring manager Take home task Task debrief Case study interview In person interview where you'll do your final round and have some lunch with the team The opportunity to scale up one of the world's most successful fintech companies Best-in-class compensation, including equity You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance We're an equal opportunity employer and are keen to make Lendable the most inclusive and open workspace in London

About the roleWe are looking for a hands-on Staff Cyber Security Engineer to join our InfoSec team and help secure our growing platform and products.This role requires an engineer who can bridge the gap between development teams and security governance, ensuring we maintain a high standard of security, operational resilience, and regulatory compliance as we scale.You will be instrumental in the execution of our security strategy, directly contributing to our Application Security programme, advancing our DevSecOps capabilities, and supporting key Governance, Risk, and Compliance (GRC) activities. What you'll be doing This is a hybrid role covering both technical security implementation and critical compliance/risk management support: Application Security & DevSecOps Secure Development: Work directly with engineering teams to embed security best practices throughout the SDLC. Automation: Implement, maintain, and tune DevSecOps tools and pipelines (SAST, DAST, SCA) to automatically identify and remediate security flaws in code and infrastructure. Threat Modelling: Conduct and facilitate threat modelling sessions for new features and systems to proactively identify design-level risks. Vulnerability Management: Triage, validate, and track vulnerabilities identified across applications and infrastructure, driving efficient remediation efforts. Security Architecture: Provide technical advice on the secure design and configuration of our cloud environment (AWS/GCP) and associated technologies (Kubernetes, GitOps, Snowflake, Vault). Governance, Risk, & Compliance (GRC) Vendor Security Reviews: Execute vendor security assessments and due diligence reviews for new and existing third-party suppliers, maintaining required documentation for the Vendor Governance Forum. Audit Support: Assist the team in achieving and maintaining compliance with key regulatory and industry frameworks, including GDPR, ISO 27001, SOC2, and PCI DSS, by gathering evidence and documenting controls. Policy & Standards: Help translate high-level security policies into practical, actionable security standards and control requirements for engineering teams. Risk Reporting: Document and track identified risks from AppSec, vendor reviews, and operations, ensuring they are accurately captured and reported. Security Training: Support the delivery of security awareness and training programs tailored for technical and non-technical staff. What we're looking for Proven, senior experience as a Cyber Security Engineer or similar role Hands-on experience implementing and managing security tooling within CI/CD pipelines Familiarity with modern cloud environments (AWS, GCP, or Azure) and container orchestration technologies (e.g., Kubernetes) Practical experience in conducting vendor security assessments and performing technical due diligence on third parties Good working knowledge of common security frameworks and regulations (e.g., ISO 27001, SOC2, PCI DSS), with experience supporting audit processes A strong understanding of common web application vulnerabilities and effective mitigation strategies Awareness or practical experience with AI-powered security tooling (e.g., AI-driven monitoring, generative AI for code review, or AI defense mechanisms) Excellent communication skills, capable of explaining complex security concepts to both technical and non-technical audiences Desirable Relevant certifications (e.g., OSCP, CISSP, CSSLP, AWS Security Specialty) Experience with Engineering and Automation tooling (e.g., Terraform, CloudFormation, GitHub, Python) Interview process Intro Call with People Team: A brief conversation to get to know you and your background. Call with InfoSec team member: A deeper dive into your experience and how it aligns with our vision. Final Technical and Cultural Interview: A deeper session where you'll meet with several team members and stakeholders to discuss your motivations and expertise, and your approach to delivery and collaboration. The opportunity to scale up one of the world's most successful fintech companies Best-in-class compensation, including equity You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance We're an equal opportunity employer and are keen to make Lendable the most inclusive and open workspace in London