Lendable

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role We're looking for an experienced, intelligent, and analytical individual to join our team as a Product Manager for our personal loans product in the US (based in London). Having achieved market-leading status in the UK, we launched our personal loan business in the US in 2022 and have now originated more than $200 million to 20,000 customers. Over the last 24 months we have tested and iterated the product, while progressively optimising our credit and growth strategies. The foundations are now laid to ramp up volumes; in the next couple of years we are aiming for 10x growth to start carving out a significant share of the largest consumer credit market in the world. As a leader in the Product team, you will play a key role in helping us achieve our ambitious goals. This role will cover all aspects of personal loan product management, and you will be given the freedom to define new features and manage projects end-to-end, including: Optimising how we acquire new customers for speed and efficiency Streamlining the customer experience and application process Improving our underwriting capabilities to support best-in-class credit decisions Building tools that maximise efficiency for our Customer Service and Fraud teams Finding new ways to support customers who may be experiencing financial difficulty Across this breadth of responsibility, you will partner with our Head of US Loans, Head of Product, and Engineering team to define and deliver our long-term product roadmap. You will ensure we are delivering the best outcomes for our customers while scaling our customer base sustainably. As well as working to plan out the roadmap, you will also work on day-to-day product delivery, and collaborate with various departments to prioritise projects according to their maximum impact. It is your job to break down complex tasks into bite-sized deliverables. We have some of the best engineers in the industry, and we need you to help us ensure the team is reaching its maximum potential. What you'll be doing Defining the product strategy , shipping features and bug fixing Analysing quantitative and qualitative data to inform both strategic investments and prioritisation of the product backlog Testing, measuring and optimising the impact of new releases and experiments Optimise engineering time for maximum impact Ensuring our customers' needs are always at the heart of what we're building Using AI to maximise your own and the team's efficiency in any way possible Closely partnering with engineers to define what is best way to implement a feature or answer a business query Influence the long term strategy for our personal loans business alongside the wider team (Credit Risk, Data Science, Operations, Engineering) What we're looking for We welcome applicants with the right skill set, regardless of specific experience. Ideally, you have: 5+ years of experience in a Strategy, Analytics or Product role, with at least 2+ years specifically in Product 3+ years of experience in Finance or Fintech How you will contribute to the Product Team's objectives Leadership; as a product leader, you will drive the quarterly OKR process (together with the MD) and do what it takes to deliver on them. You're able to make tough decisions & trade offs - especially when faced with high ambiguity. You own these decisions but also course correct when needed. Through all this, you are always striving to build a high performing team and work with the team leadership to improve yourself, others and the team overall Problem-solving; consistently breaking down complex business problems into bite-sized chunks. Complex tasks don't intimidate you and you are able to break down a complex problem into parts Resourceful ; you find a way to overcome issues without continual guidance and management, even when they are novel to you. You love to use AI to train yourself and help solve new problems! Data-driven; you have experience with numerical analysis with some experience coding. We will teach you the tools (SQL, Python), but you need to feel comfortable with numbers and using data to drive real-world actions Communication; you can communicate clearly and succinctly, orally and in writing; you enjoy a lively discussion. You effortlessly adjust your communication to suit your audience, from business owners to engineers. You don't have a massive ego and you are happy to change your mind when presented with a good argument Collaboration; you feel comfortable establishing close relationships with key stakeholders across the wider company allowing you to quickly assemble cross-functional teams for product delivery Working at speed; you make things happen. You are not afraid to roll up your sleeves and take responsibility for implementation and design decisions. You work at speed and enjoy a healthy dose of pressure Process management; a solid understanding of the software development life cycle and how to ensure our products are working as intended for our customers Agility; not just Agile (Scrum or Kanban would be nice) but adaptability to thrive in an unstructured, fast-moving and constantly evolving high-growth environment Interview process CV screening A quick introduction call with someone from the Talent Team A take-home exercise to complete in your own time + take-home debrief (via video) Final round interview with CPO, Head of US Loans, Product Lead and Engineering Manager Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting The role in a nutshell We're looking for an experienced, strategic, and data-driven Product Manager (PM) to join our dynamic product team in UK Loans and play a pivotal role in shaping the future of fintech. You'll be responsible for ensuring our customers have a great experience once they take out the loan, from managing how we take payments to offering support for customers who enter financial difficulty. If you thrive on solving complex problems, scaling impactful products, and driving innovation , we'd love to hear from you. PMs at Lendable take day to day ownership of their product and work closely with teams such as Engineering, Credit, Growth and Operations to take the business to the next level. It's your job to break down complex tasks into bite sized deliverables and prioritise projects according to their maximum impact. You'll be comfortable getting into the details but also looking at the big picture and helping Lendable grow. Experience: 2+ years of work experience as a Product Manager or similar role 2+ years of work experience in an analytical role within Tech, Finance or Management Consulting preferred but not required A bias for action-you move fast, get things done, and iterate quickly based on feedback Bonus: Experience working in start-up/scale-up environment preferred but not required Bonus: Experience in credit cards, lending, payments or fintech is preferred, but not a requirement What you'll be doing: Owning and driving the strategy, execution, and growth of our UK loans servicing function. Defining the product roadmap and overseeing delivery with an industry leading Engineering Team. Collaborating with other teams across the business, including other Product Managers, Engineering, Credit, Data Science, Finance and Operations. Champion data-driven decision-making bydesigning hypothesis driven tests, measuring outcomes, and iterating quickly based on learnings. Navigating a fast-paced , evolving fintech landscape, balancing innovation with compliance and risk management. Partnering with design to ensure our customers' needs are always at the heart of what we're building. Working with third parties to ensure that the product is best-in-market for the businesses that we work with. How you will contribute to the Product Team's objectives: Autonomy ; you are comfortable independently managing a product line, being accountable for delivery and customer impacts. You can confidently run standups and planning sessions with the engineering team, and proactively identify and resolve any issues limiting product development. Problem solving ; you can break down complex business problems into bite sized chunks. Analysis; you have experience with numerical analysis - at least excel, ideally some SQL. We will teach you the tools, but you need to feel very comfortable with numbers. You have used data to drive real-world actions. Communication and leadership skills ; you can communicate clearly and succinctly, orally and in writing. You effortlessly adjust your communication to suit your audience, from business owners to engineers. You don't have a massive ego and you are happy to change your mind when presented with a good argument. Collaboration ; you establish close relationships with key stakeholders across a wide variety of different business areas, allowing you to collaborate effectively for product delivery. Working at speed ; you make things happen. You are not afraidto roll up your sleeves and take responsibility for implementation and design decisions. You work at speed and enjoy a healthy dose of pressure. Process management ; you've developed a solid understanding of the software development life cycle and how Product can support each stage. Agility ; not just Agile (Scrum or Kanban would be nice) but adaptability to thrive in an unstructured, fast-moving and constantly evolving high growth environment. Why Join Us? Work on high-impact products that redefine financial access and empower customers. Join a top-tier team with a track record of building category-defining fintech solutions. A culture of ownership, speed, and continuous learning. Interview process CV screening A Quick introduction call with someone from the Talent Team or Product Team A take-home exercise to complete in your own time + take-home debrief (via video) Final round: Cultural Interview with some wider team leads MD interview Head of Product / Group PM interview CPTO Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role You will be joining an ambitious but small team and report directly to the General Counsel with a broad remit. You'll work closely with all business functions and be skilled at communicating legal issues to non-lawyers and balancing business and legal perspectives. Given the growth of the organisation and the number of partnerships we are entering, this role will be focused on consumer credit, regulatory compliance and commercial contracts. Ideally, you will have a background in UK financial regulation and be familiar with the FCA Handbook. On a day-to-day basis, you can expect to Advise on various consumer credit-related regulatory matters. Keep under review the firm's customer-facing documentation. Assist the business in developing new products. Support the business by updating policies, processes and templates. Responding to complex queries from the business, suppliers and customers Assist with litigious matters. Help to manage the use and cost of external legal counsel. Work closely with other members of the legal team to provide timely and first-class legal support How you'll impact those objectives You're a self-starter who is comfortable stepping out of your comfort zone to drive business growth. You have strong organisational skills and are able to autonomously lead multiple deliverables in a fast pace environment. You are excited by new challenges and like understanding laws in new markets and around new financial products. What we're looking for You are qualified in England & Wales or another common law jurisdiction with the requisite UK experience. You have approximately 2-4 years post qualification experience. You have experience in consumer credit, either in private practice, in-house or at the regulator. You ideally have experience in-house at a corporate or the regulator, or else you will be looking to make a move from private practice to an in-house position. Preferably with financial services experience. You enjoy working in a fast-paced and growing business and taking ownership. You have a mindset that is adaptable and flexible to change. Have excellent communication and relationship-building skills. Interview process A quick phone call with one of the talent team Legal Experience Interview Final Stakeholder Interview Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the Role Lendable is revolutionising the credit card industry by making financial tools accessible, intuitive, and empowering. Zable is a Mobile-App first credit card that empowers customers to build their credit score while meeting their spending and borrowing needs sustainably. We're looking for an analytical, commercially-minded Strategy Analytics Manager or Senior Manager to help us grow and scale the product exponentially . This is a dynamic role where you'll tackle high impact business problems across a number of disciplines including pricing, financial forecasting, growth, credit risk, new product development and product analytics. You'll lead a small team of analysts, working cross-functionally to deliver insight-driven strategies that optimise performance, drive responsible growth, and put the customer at the heart of decision-making. You'll operate in a fast-paced environment where ideas matter more than hierarchy, and execution beats bureaucracy. Your work will directly influence who we serve, how we grow, and how we deliver sustainable value. Key Responsibilities Drive promotions & pricing strategy: Develop and optimise promotional and pricing strategies through data-driven analysis and experimentation. Balancing customer engagement, growth, price elasticity and profitability while continuously refining approaches based on product performance and scenario modelling. Build deep insight into marketing campaign and conversion funnel performance, identifying opportunities to improve cost and conversion efficiency. Stay abreast of industry trends and competitor activity to ensure our products remain fit for purpose. Financial forecasting & portfolio analytics: Collaborate closely with the Credit Risk Analytics, Growth and Data Science teams to understand how our products and portfolio are performing at a granular sub-segment level. Define key KPIs and develop detailed monitoring to track performance against these goals, and deliver actionable recommendations to improve outcomes. Use strategic analysis to shape and influence broader business strategy. Evaluate expansion opportunities: Navigate through ambiguity to assess the feasibility of new product, channel and segment expansion opportunities. Create robust commercial assessment frameworks, build tooling where necessary (e.g. RoI or NPV models) and extract data to support these assessments and deliver clear, insight-driven recommendations. Influence & execution: Collaborate with stakeholders across Credit Risk, Data Science, Product and Growth to bring your strategies to life. Present insights and recommendations to senior leadership - clear, concise, and backed by data. Approach every conversation with an open mind, valuing the strength of ideas over ego or hierarchy. Ensure your implemented strategies are working as intended once deployed in production, validating outcomes and iterating as needed. Build & mentor a small team of analysts: Develop and mentor a small team of high-calibre analysts, fostering both technical growth and strategic thinking. Build a culture where people seamlessly collaborate across functions, challenge the status quo, and consistently deliver best-in-class, customer-first solutions. Your experience Essential: 4+ years of experience in an analytics role in any discipline (e.g. Growth, Credit Risk, Product Analytics, Marketing, etc.) 2+ years of experience in an FCA-regulated financial services firm Proficiency in coding - ideally SQL and Python Desirable: Credit card experience Experience in managing or mentoring analytical teams Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role Engineering Managers at Lendable are a unique group of amazing humans that combe strategic insight, hands-on technical leadership, and strong people management to shape and evolve our engineering teams. They operate at the convergence of business goals, technical execution, and team coaching, ensuring that every project and process aligns seamlessly with our mission and values. They build a resilient foundation for sustained success by focusing on team growth and technical innovation. We're looking for an experienced Engineering Manager to lead one of the teams delivering our Zable App, used by over 1 million customers on iOS and Android. In this role, you'll act as both a visionary and a hands-on leader, driving the team's delivery efficiency, technical excellence, and cross-functional collaboration. You'll own and refine the delivery process, balancing feature development with technical investments and maintaining high team development standards. With a proactive approach, you'll guide the team to meet our business goals while nurturing a collaborative and growth-oriented culture. There's much to accomplish as an Engineering Manager at Lendable. You'll help create a high-performing, resilient team that achieves today's objectives while building a foundation for long-term success. From enhancing delivery quality to developing a robust, valuable platform, your work will ensure we deliver impactful solutions that meet the needs of our customers and stakeholders alike. Our Tech Stack The backend of our Zable app is Kotlin, AWS, GraphQL and the frontend is React Native with TypeScript. Across the rest of Lendable we also use PHP 8, Symfony 6&7, Kotlin, AWS, MySQL, PostgreSQL, RabbitMQ, Docker, Kubernetes, React & React Native, TypeScript, MobX, Redux, Stylus and SASS, Jenkins, Behat, PHPUnit, Jest, Selenium, Maestro and Detox. How you'll have an impact Own and optimise the delivery process to ensure features reach customers efficiently, contributing directly to quarterly and yearly OKRs focused on customer satisfaction and delivery timelines. Collaborate with Product Managers to balance feature development with technical improvements, achieving a sustainable pace for the team that aligns with business outcomes. Build and develop a high-performing team by conducting regular assessments, cross-training, and implementing clear career progression pathways, supporting team resilience and adaptability. Drive technical strategy in alignment with business goals, using insights from Tech Leads and senior engineers to make strategic trade-offs between short-term deliverables and long-term technical investments. Ensure high-quality output by establishing best practices in quality assurance and incident management, tracking metrics such as uptime and incident reduction in the team's area. Facilitate cross-team collaboration to align on shared objectives and integrated roadmaps, ensuring seamless workflows and supporting key OKRs across dependent teams. Embed continuous feedback within the team culture, fostering an environment of continuous improvement and aligning the team's performance with organisational goals. What we're looking for A degree in Computer Science or relevant experience in software engineering and technical management. 5+ years of experience in engineering leadership, with a strong track record in driving delivery processes, team development, technical strategy, and cross-team collaboration. Strong understanding of the mobile app development process and experience managing cross functional backend and frontend teams in an environment with dependencies on other business areas. Demonstrated ability to balance feature delivery with technical improvements, ensuring a sustainable and high-quality pace for the team. Strong business acumen and a proactive approach to gaining deep business context, enabling alignment of technical decisions with broader business goals. Proven experience in owning delivery timelines and quality outcomes, with the ability to identify and resolve bottlenecks quickly and efficiently. Skilled in building high-performing teams, with experience in skills assessment, cross-training, and fostering a continuous learning and improvement culture. Ability to strategically guide technical decisions without being a blocker, with familiarity in technical debt management, architectural planning, and quality assurance best practices. Exceptional communication and collaboration skills, with experience facilitating joint planning and maintaining alignment across multiple teams and stakeholders. Proficiency in managing incidents and on-call processes, ensuring platform robustness and reliability. Interview process A quick phone call with someone from the People Team An Introductory call to the role with either one of our Senior EM's or one of our VPs of Engineering Three onsite interviews: Delivery Management and Team Collaboration Technical Interview (don't worry, we won't ask you to code) People and Team management One last interview with someone from the senior leadership team. Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About The Role We're looking for an analytically-minded Senior Credit Risk Analyst ready to support driving meaningful change in our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding , and eager to solve complex problems. 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. Your team's objectives Our credit teams are building high-performing portfolios, with bold growth targets and a commitment to responsible lending. Within the credit function, our core responsibilities include: Optimising credit decisioning : who to lend to, how much to lend, and at what interest rate. Assessing and adapting to external economic condition s. Developing and owning models that forecast returns and guide investor reporting. How you'll impact those objectives Define and refine credit strategies that align with our evolving portfolio goals. Discover insights from data using tools like Python and SQL to address key business questions. Collaborate cross-functionally with product, engineering, data, and operations teams to implement strategies. Monitor and assess the success of implemented strategies and continuously identify areas for improvement. What you'll need to succeed Daily coding experience, with proficiency in Python and SQL ideally Proven experience in credit risk strategy , ideally within credit card 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 Interview Process 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). Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 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 looking for a hands-on MI Manager to lead the development and delivery of reporting and analytics across our Operations teams (Customer Service, Financial Support, Fraud, FinCrime, Complaints, and QA). This role is critical in ensuring operational performance is measured accurately, regulatory requirements are met, and leadership has the insights they need to act fast. You'll manage one Senior Analyst (with future headcount potential), and be the go-to person for MI infrastructure -building scalable data models, streamlining reporting pipelines, and consolidating multiple data sources into a unified operational reporting layer. What You'll Do Own MI Infrastructure Design and maintain robust DBT models and SQL pipelines to transform raw data into accurate, timely, and usable reporting layers. Ensure consistent metric definitions and a single source of truth across all operational reporting. Reporting & Dashboarding Build and maintain clear, accessible dashboards to track KPIs across service, risk, and complaints functions. Deliver insights on areas such as SLA performance, fraud trends, QA scores, complaint volumes, vulnerable customer tracking, etc. Ensure reports are timely, trusted, and action-oriented. Data Consolidation & Integrity Consolidate disparate datasets from multiple systems to support holistic operational oversight. Proactively identify and resolve data discrepancies, inconsistencies, or quality issues. Team Management & Development Manage and mentor a Senior Analyst, reviewing output quality and helping to prioritise delivery. Define scalable processes to support future MI team growth. Stakeholder Engagement Act as the primary MI point of contact for the COO and senior leadership , responding to ad hoc data requests and proactively proposing improvements. Ensure reporting supports both regulatory compliance and internal performance monitoring. What We're Looking For Must-Haves 3+ years working in BI/MI or analytics roles, with experience in SQL-heavy, reporting-centric environments . Expert-level SQL and hands-on experience with DBT and Python (non-negotiable). Experience building and maintaining data models and reporting infrastructure. Strong understanding of data integrity, version control, and metric standardisation. Excellent communication skills for working with both technical and non-technical stakeholders. Experience mentoring or managing analysts. Desirable Exposure to operations, collections, fraud/fincrime, or complaints data. Familiarity with Superset/Preset or similar modern dashboarding tools. Experience in regulated environments or with regulatory reporting. Interview Process Intro Call (30 mins) Take-home SQL + DBT Task (2 hours) Task Debrief (45 mins-1 hour) Final Chat with COO & CRO (1 hour) Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role Lendable is revolutionising the credit card industry by making financial tools accessible, intuitive, and empowering. Zable is a Mobile-App first credit card that empowers customers to build their credit score while meeting their spending and borrowing needs sustainably. We're looking for an analytical, commercially-minded Senior Strategy Analyst to help us grow and scale the product exponentially . This is a dynamic role where you'll tackle high impact business problems across a number of disciplines including pricing, financial forecasting, growth, credit risk, new product development and product analytics. You'll help us solve our most complex multi-dimensional challenges, working cross-functionally to deliver insight-driven strategies that optimise performance, drive responsible growth, and put the customer at the heart of decision-making. You'll operate in a fast-paced environment where ideas matter more than hierarchy, and execution beats bureaucracy. Your work will directly influence who we serve, how we grow, and how we deliver sustainable value. Key Responsibilities Drive promotions & pricing strategy: Develop and optimise promotional and pricing strategies through data-driven analysis and experimentation, balancing customer engagement, growth, price elasticity and profitability while continuously refining approaches based on product performance and scenario modelling. Build deep insight into marketing campaign and conversion funnel performance, identifying opportunities to improve cost and conversion efficiency. Stay abreast of industry trends and competitor activity to ensure our products remain fit for purpose. Financial forecasting & portfolio analytics: Collaborate closely with the Credit Risk Analytics, Growth and Data Science teams to understand how our products and portfolio are performing at a granular sub-segment level. Define key KPIs and develop detailed monitoring to track performance against these goals, and deliver actionable recommendations to improve outcomes. Use strategic analysis to shape and influence broader business strategy. Evaluate expansion opportunities: Navigate through ambiguity to assess the feasibility of new product, channel and segment expansion opportunities. Create robust commercial assessment frameworks, build tooling where necessary (e.g. RoI or NPV models) and extract data to support these assessments and deliver clear, insight-driven recommendations. Influence & execution: Collaborate with stakeholders across Credit Risk, Data Science, Product and Growth to bring your strategies to life. Present insights and recommendations to senior leadership - clear, concise, and backed by data. Approach every conversation with an open mind, valuing the strength of ideas over ego or hierarchy. Ensure your implemented strategies are working as intended once deployed in production, validating outcomes and iterating as needed. Fast-track your career growth: Opportunity to mentor and coach more junior graduate analysts, fostering their technical growth and strategic thinking. Well defined career progression pathways to Manager/Senior Manager for high performers. Your experience Essential: 3+ years of experience in an analytics role in any discipline (e.g. Growth, Credit Risk, Product Analytics, Marketing, etc.) Proficiency in coding - ideally SQL and Python Desirable: Experience in an FCA-regulated financial services firm Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role At Lendable, we're on a mission to brighten the financial futures of millions of Americans . Since launching our U.S. Loan product in 2022, we've been reshaping consumer credit by blending exceptional talent with cutting-edge technology. We're looking for confident, motivated, and persuasive communicators who thrive on helping customers achieve financial stability. As part of this exciting new chapter, you'll play a key role in defining and managing critical operation processes from start to finish, making a real impact every day. We're a dynamic and high-growth team , and we're looking for an individual who can evolve and expand with us. In this dynamic role, you'll connect principally with new customers , ensuring their experience is seamless and positive, and driving business growth. If you're a natural problem-solver with a calm, can-do attitude and a friendly approach, we'd love to hear from you. This role offers flexibility within a structured schedule, making it a great fit for someone who thrives in a hybrid environment with global operations. Salary Range: £30K-£39K (includes an allowance for unsociable hours). Working Hours: Rotating weekly shifts to align with US operating hours: Shift 1: 12:00 PM-9:00 PM UK time (Monday-Friday). Shift 2: 5:00 PM-2:00 AM UK time (Monday-Friday). Hybrid Working Environment: Shift 1: Option to work remotely on Mondays and Fridays. Shift 2: Fully remote. Holidays: You will receive 25 days annual leave plus 8 days (US holidays + Christmas day guaranteed). Training: Training will be 3 weeks long and held in our London office. The training times will be 12 pm - 9 pm Monday - Friday UK time. Your Profile At least 2 years in any industry in a customer-facing role , with a track record of connecting with and helping others. You're curious, quick to assess situations, and skilled at finding effective solutions. Excellent written and verbal communication skills , active listening and rapport-building abilities. You handle conflict gracefully, recover quickly from challenging interactions , and maintain composure. Comfortable with technology and quick to learn new software. Open to feedback, eager to improve, and adaptable to change in a fast-paced environment. Enjoy solving problems independently, multitasking, and improving processes. What You'll Be Doing Interacting directly with applicants via phone, email, and chat to answer questions and resolve issues with care and efficiency (and to the highest standard). Supporting our applicants to complete their loan applications and receive the funds in their bank account as efficiently as possible. Verifying the information our loan applicants provide during the application process to ensure we are lending responsibly in line with our policies and procedures. Ensuring every interaction reflects our commitment to putting customers first and customer demand is met when it comes to query resolution. Coordinating across internal teams and external partners to drive the success of the US Loans program. Suggesting improvements to processes or product features to drive growth and efficiency, and sharing customer feedback with our product team. Delivering meaningful and tailored responses to customers , assessed against Lendable's quality assurance scorecard Escalating risks or potential risks which may negatively impact good customer outcomes. Identifying and recording customer dissatisfaction against Lendables processes and responding appropriately to achieve complaint resolution , where complaint resolution is not possible following complaint escalation procedures. Meeting defined individual and team performance targets to ensure delivery of key business and department objectives . Nice to have :) University degree Previous experience in financial services or consumer lending environments . Familiarity with US-based work environments and customer expectations. Interview process Application and completion of application questions An intro call with a member of the Talent Team Role-specific interview Final stage interview with the head of department Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the Role As our in-house content manager, you'll plan and produce content to support our SEO and GEO roadmap. Reporting to the Head of Growth, you'll combine deep knowledge about our products, industry and target audience, with high quality writing standards and tactics of great copywriting. You'll embrace the cutting edge of AI tools in both your work, and in the strategy of what to focus on to be visible in AI response results. You'll be part of a lean, high-performing team of operators. At Lendable, individual contributors wear many hats. We ask ourselves: what's the most impactful thing I can achieve this week? And then own that thing end to end. You'll own the full stack of SEO/GEO responsibilities, planning and creating authentic, useful and clear written content to widen our presence online and help customers to make the best financial decisions they can. This role is perfect for someone who's comfortable researching what they don't know, hungry to find the next best idea, and understands the nuances of good copywriting in financial services. You'll demystify complex concepts for customers, and work with sophisticated analytic reporting, systematic testing frameworks, and modern growth strategies to drive growth of the business. We're looking for someone who takes ownership, naturally connects with our audience, and gets genuinely excited about telling stories that help people understand financial products. You'll need to become a true product expert who can speak authentically about credit building, expanding access to credit, and financial wellness. What you'll be doing On-Site Content Creation Develop a pipeline, and deploy innovative content for credit cards, loans, car finance and other financial services across multiple brands Source and build a suite of AI copywriters to help you produce drafts of content before refinement. Edit and evolve content for 3rd party brand partners, collaborating with internal and external designers. Research and transform customer review data and market insights into high-converting creative concepts. Off-site Content Creation Build and operate a highly efficient off-site content link buying program Source, design and submit applications for industry awards across different themes and products. Strategy Become an expert on all Zable products: credit cards, loans, app features; understand the credit building journey and writing authentically about customer pain points Stay current with fintech and consumer trends and competitive landscape Research and implement the latest best practice in SEO / GEO writing including keywords and intents to focus on Analyse and understand industry peer content strategies for valuable insights Conduct research into our target audience to deepen our knowledge of applicable topics to write content about What we're looking for 5+ years of hands-on SEO (and recently GEO) experience (strategy + execution) in finance Experience in managing outreach for offsite content and link procurement programs Experience in multi-brand or multi-product SEO content copywriting Ability to brief, manage and evolve the output of AI copywriting tools Strong understanding of SEO and GEO tools (e.g. GSC, Ahrefs, Screaming Frog, Profound etc.) Familiarity with CMS platforms like Contentful Experience with award applications or PR and research-led content Interview Process Screening call with talent team A short take-home task (create sample content piece) Interview with Head of Growth Interview with CMO Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting About the role We're looking for an experienced, strategic, and data-driven Product Manager (PM) to join our dynamic product team and play a pivotal role in shaping the future of fintech. Product Managers work across multiple domains, including credit cards, personal loans, operations tooling, international expansion, and customer engagement within our SuperApp. If you thrive on solving complex problems, scaling impactful products, and driving innovation, we'd love to hear from you. PMs at Lendable take day to day ownership of their product and work closely with teams such as Engineering, Credit, Growth and Operations to take the business to the next level. It's your job to break down complex tasks into bite sized deliverables and prioritise projects according to their maximum impact. You'll be comfortable getting into the details but also looking at the big picture whilst leveraging AI copilots as your default first-pass analyst, researcher and thought-partner to help us grow and achieve our ambitious goals. What we're looking for 3+ years of work experience years as a Product Manager 2+ years of work experience in an analytical or commercial role within Tech, Finance or Management Consulting is preferred but not required A bias for action - you move fast, get things done, and iterate quickly based on feedback. Hands-on with generative-AI tools and a track record of using them to drive efficiency in you and your teams projects Bonus: Experience working in start-up/scale-up environment preferred but not required Bonus: Experience in credit cards, lending, or fintech is a plus, but not a requirement. Bonus: Experience in credit cards, lending, or fintech is a plus, but not a requirement. The type of work you'll be doing Own and drive the strategy, execution, and growth of a product vertical within our expanding portfolio. Managing the delivery of our product propositions; defining product roadmaps, breaking down complex problems into actionable steps, and prioritise ruthlessly based on impact. Champion data-driven decision-making, measuring outcomes, and iterating quickly based on learnings. Working alongside other Product Managers and an Engineering Team to define the product roadmap Testing and measuring the impact of new releases and experiments Liaising across teams (data science, customer service, developers etc.) to crystallise intent for new features Navigate a fast-paced, evolving fintech landscape, balancing innovation with compliance and risk management. Partnering with design to ensure our customers' needs are always at the heart of what we're building Working with third parties to ensure that the product is best-in-market for the businesses that we work with Set up AI/LLM workflows to generate insights, write SQL queries, draft tickets, automate tasks and teach you new skills How you will contribute to the Product Team's objectives: Autonomy; you are comfortable managing a product line Prioritising product features independently Creating new features based on discussions and requirements from the wider business Running standup's and weekly planning sessions with the engineering team Being accountable for product delivery and the commercial impacts Collaborating with other business teams, allowing you to make many small decisions that impact features within the product Optimising developer time with an engineering mindset to maximise business impact Identifying bottlenecks early and working out the dependencies that may block the product development well ahead of time Problem solving; consistently breaking down complex business problems into bite-sized chunks. Complex tasks don't intimidate you and you are able to break down a complex problem into parts. Analysis; you have experience with numerical analysis - at least excel, ideally some SQL. We will teach you the tools (SQL), but you need to feel very comfortable with numbers. You have used data to drive real-world actions. Communication and leadership skills; you can communicate clearly and succinctly, orally and in writing; you enjoy a lively discussion. You effortlessly adjust your communication to suit your audience, from business owners to engineers. You don't have a massive ego and you are happy to change your mind when presented with a good argument. Collaboration; you have established close relationships with key stakeholders across data science, developers, compliance, and customer service allowing you to quickly assemble cross functional teams for product delivery. Working at speed; you make things happen. You are not afraid to roll up your sleeves and take responsibility for implementation and design decisions. You work at speed and enjoy a healthy dose of pressure. Process management; a solid understanding of the software development life cycle and how product can support each stage. Agility; not just Agile (Scrum or Kanban would be nice) but adaptability to thrive in an unstructured, fast-moving and constantly evolving high growth environment. Why join us? Work on high-impact products that redefine financial access and empower customers. Join a top-tier team with a track record of building category-defining fintech solutions. Expand your global expertise-this role offers opportunities to shape products in multiple markets. A culture of ownership, speed, and continuous learning. Interview process CV screening A Quick introduction call with someone from the Talent Team or Product Team A take-home exercise to complete in your own time + take-home debrief (via video) Final round: Cultural Interview with some wider team leads MD interview Head of Product / Group PM interview CPTO Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting We are seeking a proactive, detail-oriented Payments & Finance Operations Analyst to join our expanding Financial Operations team. This is a multifaceted role at the intersection of payments operations and payments analysis, with high visibility and impact across teams. You'll combine hands-on processing with data-driven analysis, using your deep knowledge of spreadsheets and working SQL skills to drive improvements, identify inefficiencies, and ensure robust financial operations. Your contributions will directly influence the experience of our customers and the success of our payment operations. What You'll Do Process & reconcile: handle daily end-to-end processing and reconciliation of incoming and outgoing payments, ensuring accurate and efficient allocation on our platforms within agreed SLAs. Data analysis & reporting: use SQL and advanced spreadsheets (Excel/Google Sheets) to extract, manipulate, and analyse payment and financial data for operational deep-dives, reconciliations, and regulatory reporting. Ticketing system management: own the payments ticketing queue (Jira Service Management), prioritise and resolve issues, and continually optimise response and resolution times. Troubleshoot & investigate: proactively analyse and resolve complex or incorrectly referenced payment files, working closely with cross-functional teams, including operations and special ops, to rapidly clear exceptions. Support financial operations: Assist in the month-end closing processes, preparing and validating files for upload into accounting systems, reconciling records, and supporting audit or compliance checks. Continuous improvement: surface insights using SQL or spreadsheet analysis, identify inefficiencies, and help automate repetitive processes to improve payment accuracy and speed. Regulatory adherence: maintain a strong, current understanding of payments-related regulations, ensure compliance, and help implement necessary process changes. What We're Looking For Experience: 2+ years in payments, finance operations, or an equivalent analytics-heavy role, ideally in fintech or financial services. Organisational skills: able to juggle multiple priorities and deadlines in a fast-moving, dynamic environment, staying calm under pressure. Managing your time effectively will be essential to your success in the role! Spreadsheet mastery: advanced with Google Sheets and Microsoft Excel pivots, lookups, data validation, error-checking, and reporting. SQL proficiency: Able to write queries to extract, join, and analyse data from payment/finance databases. (Please share any specific SQL projects or tasks you've handled!) Process improvement mindset: eager to identify areas for automation and increased efficiency, whether via SQL, Sheets scripts, or new workflow proposals. Exceptional communication: clear, professional, and collaborative; able to explain complex technical or analytical findings to non-expert colleagues. Fintech savvy: familiarity with payment flows, industry terminology, compliance basics, and standard tools (Jira, accountancy or reconciliation platforms). Ownership: self-motivated, curious, and persistent in finding root causes and delivering solutions. Background in finance, accounting, data analysis, or a similar field. Some of Your Day-to-Day Tasks Manage our inbound payment allocation processes, ensuring that bank transfers, direct debits and associated collections are allocated to end-user accounts promptly. Monitoring key operational/reporting dashboards and identifying discrepancies for immediate action. Writing ad-hoc SQL queries to validate payment data and troubleshoot reconciliation issues. Debulking and preparing DMC payment bulk files for upload. Investigating and resolving incorrectly referenced payments so they can be processed successfully. Reviewing and processing payment-related inbox queries. Liaising with special ops/finance teams to clear insolvency plan payment errors. Preparing and reformatting files for upload and for regular financial reporting. Why Join the FinOps Team? You'll be at the centre of our payment operations, empowered to innovate and shape processes from day one. Collaborate with leading fintech professionals in a supportive, fast-paced, technology-driven environment. Impactful work, visible to leadership and with the chance to help us scale. Competitive salary, flexible benefits, and opportunities for professional training and growth. Interview process A quick phone call with one of the team A take-home task/interactive case study Interview with Senior Payments Analyst (in-person) Final interview with the senior leadership team Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the Role As our Growth Marketing Manager, 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. You'll be part of a lean, high-performing team of operators. At Lendable, individual contributors wear many hats. We ask ourselves: what's the most impactful thing I can achieve this week? And then own that thing end to end. You'll manage significant budgets on Meta, TikTok, and Google Ads campaigns, identifying and iterating on winning creative concepts, and optimising conversion funnels. 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 Develop and execute acquisition strategies that resonate with customers and ultimately perform well against our efficiency and volume targets Launch new channels and ensure our existing channels are operating at a best-in-class state Contribute to briefing our network of external creators to produce high performing video content for Meta, TikTok, and YouTube campaigns using hooks that work Feed back results to our in-house designer to develop static creative variations testing different messages and formats Analyse creative performance data to identify winning patterns and scale successful concepts Manage Google Ads campaigns across Search, Performance Max, and Demand Gen Analyse performance at keyword-level and creative-level to find efficiency gains Execute Meta and TikTok campaign optimisations targeting ambitious CAC goals Maintain conversion tracking and attribution setup Support systematic creative testing and measurement frameworks Support attribution model development and incrementality testing initiatives 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 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 Screening call with talent team A short take-home task Interview with Head of Growth Interview with CMO Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role We're looking for a Staff PHP Engineers to join our Zable Card, Autolend, Lendable Loans, and Internal Tools teams! Our engineering organisation is home to over 140 talented engineers across backend, frontend, mobile, and platform disciplines. You'll have the opportunity to work on everything from building and integrating new APIs to enhance the customer journey, to optimising our lending platforms, and engaging in deep architectural discussions. There's plenty to tackle, and we're excited to find the right people to take on the challenge. Our Tech Stack Backend PHP 8 Symfony AWS MySQL RabbitMQ Docker Kubernetes Other Jenkins and Github Actions - we deploy to production as soon as we finish a feature Behat, PHPUnit, Jest, Selenium and Detox for automated testing What we're looking for Strong, modern PHP development experience (PHP 8.0+ is a must) A good understanding of a modern PHP framework like Symfony or Laravel Any experience with Domain Driven Design, Message-Driven Systems and Event Sourcing would be a plus Experience with microservices would be a plus Strong automatic testing skills (unit, integration, functional) A keen desire to want to learn and input into a highly collaborative team If you've worked in a cross functional environment, it would be a plus but not needed Interview process A quick phone call with one of the team A short coding exercise to complete in your own time Onsite or Video Interview Discuss the exercise you completed Meet the team you'll work with daily Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the Role As a Data Platform Engineer, you'll help shape and scale our data infrastructure, making analytics faster, more reliable, and cost-efficient. You'll work with AWS, Snowflake, Python, and Terraform, building tooling, and onboarding new data sources. You'll collaborate closely with teams across the business, ensuring our platform is secure, scalable, and easy to use. Our team mission We want to maximise business value by improving efficiency in our Analytics, enhancing Lendable's competitive advantage through data utilisation. This means our Data Platform is designed to streamline the efficiency of analysis in extracting insights from data, while also ensuring cost control, compliance, and security. What will you be doing? This is a non-exhaustive list of the activities you would engage with in the role: Develop new tooling for product teams to boost their efficiency Work with the wider team in maintaining, evolving and scaling data infrastructure solutions on AWS and Snowflake. Onboard new ingestion sources and maintain the smooth running and monitoring. Ensure platform robustness through automated testing and monitoring of data pipelines aligned to the expected scaling of Lendable. Collaborate with stakeholders to translate business requirements into scalable technical solutions. Optimise existing CI/CD pipelines for faster cycle times and increased reliability. Implement security best practices for data management and infrastructure on cloud platforms. Design and deploy infrastructure as code to manage cloud resources efficiently. Assist in the troubleshooting and resolution of production issues to minimise downtime and improve user satisfaction. What we're looking for Strong software development, particularly in Python or a similar language. Solid engineering practices, including automated testing, deployment systems, and configuration as code. Experience with building data intensive applications and containerised services Experience with cloud services such as AWS, GCP, or equivalent (preference for AWS). Experience with infrastructure as code, preferably Terraform. Knowledge of columnar databases, such as Snowflake. Experience in developing and optimising CI/CD pipelines, with a preference for GitHub Actions. Excellent communication skills for effective collaboration with business analysts and stakeholders, ensuring technical solutions meet business needs. Experience with data ingestion tools, like Fivetran. Advantageous Exposure to deploying applications with Kubernetes. Experience with Data Orchestrator tools (Airflow, Prefect, etc.) Experience with Data Observability tools (Montecarlo, Great Expectations, etc.) Experience with Data Catalog tools (Amundsen, OpenMetadata, etc.) Interview Process Call with the talent team Take home task Tech interview CPTO interview Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role We 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 Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role We 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 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 experiment with the latest machine learning techniques combined with a rich data repository to build and deploy best-in-market risk models. This role will primarily focus on our UK Cards business, but through team collaboration, you will be exposed to all areas of Lendable. Our team keeps up with the latest advancements in the industry through regular journal clubs. 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 proactively propose 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 complex 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 Credit Cards 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 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 talent team Take home task Task debrief and case study interview Meet the leadership team Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role We're looking for Senior PHP Engineers to join our Zable Card, Autolend, Lendable Loans, and Internal Tools teams! Our engineering organisation is home to over 140 talented engineers across backend, frontend, mobile, and platform disciplines. You'll have the opportunity to work on everything from building and integrating new APIs to enhance the customer journey, to optimising our lending platforms, and engaging in deep architectural discussions. There's plenty to tackle, and we're excited to find the right people to take on the challenge. Our Tech Stack Backend PHP 8 Symfony AWS MySQL RabbitMQ Docker Kubernetes Other Jenkins and Github Actions - we deploy to production as soon as we finish a feature Behat, PHPUnit, Jest, Selenium and Detox for automated testing What we're looking for Strong, modern PHP development experience (PHP 8.0+ is a must) A good understanding of a modern PHP framework like Symfony or Laravel Any experience with Domain Driven Design, Message-Driven Systems and Event Sourcing would be a plus Experience with microservices would be a plus Strong automatic testing skills (unit, integration, functional) A keen desire to want to learn and input into a highly collaborative team If you've worked in a cross functional environment, it would be a plus but not needed Interview process Aquickphonecallwithoneoftheteam Acodingexercisetocompleteinyourowntime TechnicalInterviewtodiscusstheexerciseyoucompleted CultureAddInterview Life at Lendable 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, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London Check out our blog !

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 500 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting About the role We're looking for Senior PHP Engineers to join our Zable Card, Autolend, Lendable Loans, and Internal Tools teams! Our engineering organisation is home to over 140 talented engineers across backend, frontend, mobile, and platform disciplines. You'll have the opportunity to work on everything from building and integrating new APIs to enhance the customer journey, to optimising our lending platforms, and engaging in deep architectural discussions. There's plenty to tackle, and we're excited to find the right people to take on the challenge. Our Tech Stack Backend PHP 8 Symfony AWS MySQL RabbitMQ Docker Kubernetes Other Jenkins and Github Actions - we deploy to production as soon as we finish a feature Behat, PHPUnit, Jest, Selenium and Detox for automated testing What we're looking for Strong, modern PHP development experience (PHP 8.0+ is a must) A good understanding of a modern PHP framework like Symfony or Laravel Any experience with Domain Driven Design, Message-Driven Systems and Event Sourcing would be a plus Experience with microservices would be a plus Strong automatic testing skills (unit, integration, functional) A keen desire to want to learn and input into a highly collaborative team If you've worked in a cross functional environment, it would be a plus but not needed Interview process A quick phone call with one of the team A short coding exercise to complete in your own time Onsite or Video Interview Discuss the exercise you completed Meet the team you'll work with daily Life at Lendable 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. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London.

About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 500 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 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 Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house , using new data sources, machine learning, and AI to make machines do the heavy lifting About the role As a Compliance Monitoring Officer (Financial Promotions), you will be part of the Compliance team supporting the Marketing team within our central function. The Compliance team supports the business in delivering its objectives by adopting a customer-centric approach, conducting risk-based monitoring, and making recommendations to support the continued delivery of good customer outcomes. This particular role will be embedded in the Marketing team (part of our wider Growth function), working on financial promotions to ensure external marketing materials - like the company website and social media adverts - are compliant with our internal policies and regulatory requirements. This person will provide guidance to colleagues in the Marketing and Product Teams, as well as oversight to senior management on the outcome of monitoring activity. They will be part of the process to make great promotions from the very beginning and help our Growth team deliver high-quality marketing materials that are clear, fair, and not misleading, enabling customers to understand how our products work to help them achieve their financial objectives. What you'll be doing Review and approve a broad range of financial promotions created to be distributed either by the business itself or via third parties, including digital and social media content. Ensure financial promotions adhere to the relevant regulatory requirements, industry standards, and internal policies by providing clear advice and feedback to stakeholders. Identify potential areas for improvement with the internal financial promotions process to ensure it remains in line with regulatory changes and the business' objectives. Maintain accurate records and documentation of compliance monitoring activities including review outcomes, actions taken, and follow-up activities. Collaborate with relevant teams, such as Growth, Product, Customer Experience, and Operations, to implement enhancements that drive better customer outcomes while maintaining compliance. Contribute to risk assessments to identify and mitigate compliance risks which could arise from non-compliant financial promotions. Stay up-to-date with relevant laws, regulations, regulatory updates, industry best practices, and news sources and monitoring changes to identify potential impacts on compliance requirements. What we're looking for Essential: Minimum of 2 years of experience in financial promotions, monitoring, quality assurance, or governance within financial services (ideally the consumer credit industry). Knowledge of financial services regulations and requirements, specifically the Consumer Duty, CONC, COBS, and the Consumer Credit Act. Confident providing constructive feedback to stakeholders where required. An understanding of risk assessment methodologies and compliance monitoring techniques. Demonstrable experience in conducting compliance monitoring activities, including risk assessments, reviews, and analysis. Proven track record of successfully identifying compliance risks, implementing effective controls, and driving positive outcomes for customers. Preferred: Experience of working in a marketing function and involved in the creation of financial promotions. Evidence of excellence in something that you are passionate about. Who you are Excellent verbal and written communication skills - effectively able to convey complex information and interact with stakeholders at all levels. Strong attention to detail - ensure accuracy and precision in compliance monitoring activities. Strong problem-solving skills - proactively identify compliance risks, propose solutions, and implement effective controls. Strong organisational skills - ability to manage multiple conflicting priorities and meet deadlines in a fast-paced environment. Collaborative and team-oriented approach - the ability to work effectively with cross-functional teams and build positive working relationships. Curious and self-motivated attitude with a continuous improvement mindset - independently trying new things, sharing ideas, and enhancing processes. Resilience and adaptability - navigate through challenges, embrace change, and thrive in a dynamic regulatory environment. High ethical standards, integrity - ability to handle sensitive and confidential information appropriately. Interview process A quick phone call with one of the team A take-home task to complete in your own time Final stage interviews (in-person or virtual) Life at Lendable 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. Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks 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 looking to make Lendable the most inclusive and open workspace in London.