Credit & Commercial Senior Analyst, Lendable
£60-85k
Plus equity
More information about location
3+ days a week in office (Shoreditch, London)
Profitable Fintech Unicorn - Lending Platform
Be an early applicant
Profitable Fintech Unicorn - Lending Platform
201-500 employees
Be an early applicant
£60-85k
Plus equity
More information about location
3+ days a week in office (Shoreditch, London)
201-500 employees
Company mission
To make consumer finance amazing: faster, cheaper and friendlier.
Role
Who you are
- This role is suitable for someone who loves using strong analytics to optimise our business, improve funnel performance while still delivering a good portfolio return
- Daily coding experience, with proficiency in Python and SQL ideally
- Proven experience in credit risk or commercial strategy roles, ideally within consumer lending
- A strategic mindset and the ability to translate complex data into clear, actionable decisions
- A focus on delivering results that align with both commercial and customer needs
- A collaborative, open approach and a willingness to challenge your own assumptions
- Experience working in marketing / growth roles is a plus, but not required!
What the job involves
- So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days
- We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes
- Take ownership 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’re looking for an analytically-minded Credit & Commercial Senior Analyst to work our commercial & pricing strategy in our motor finance team (Autolend)
- You’ll be entrusted with thought leadership on our commercial strategy, and have a large remit to set up and optimise our pricing to help achieve our objectives
- You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal
- Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance
- Autolend is building high performing portfolios, with bold growth targets and a commitment to responsible lending
- Your core responsibilities include:
- Optimising our pricing strategy, how much to lend and at what interest rate
- Improving our conversion funnel, responding to qualitative feedback as well as data insights
- Building a product that our customers and partners love
- How you'll impact those objectives
- Define our multi channel pricing & commercial strategy and continuously optimise it to grow the business while maintaining strong returns
- Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy
- Seek out novel strategies and commercial approaches we can take advantage of
- Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market
- Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance
- Monitor and assess the success of implemented strategies and continuously identify areas for improvement
Application 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)
Salary benchmarks
Our take
Lendable competes with banks, other lenders, and consumer finance companies to make finance and credit easier to access for all consumers. Streamlining the loan application process, the company cuts personalised rates and fund transfers from days to minutes.
Lendable believes it can win in this crowded field due to its market-best customer service and strong financials. Part of its success is due to its funding coming from institutional investors. Lendable originates and services its loans on behalf of institutional investors, but doesn't hold them on its own balance sheet.
Growing insolvencies will worry all lending platforms, but Lendable looks well-placed to weather any credit storm given its substantial debt financing. With fresh funding, this profitable fintech unicorn is poised to make credit access easier for consumers. And with the launch of two new products in the US, Lendable is certainly in a good position for more growth.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 3 rounds)
Mar 2022
$280.2m
GROWTH EQUITY VC
Sep 2017
$6.5m
SERIES A
Total funding: $290.1m
Company benefits
- 💸 Best-in-class compensation, including equity
- 🏥 Comprehensive private health insurance (including dental, optometry and general wellbeing)
- 🎊 Multiple opportunities to socialise with your team and the wider company
- 💻 Equipment provided for you to do your best work!
- 🏠 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 (hybrid)
- 🍲 Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday
- 🚗 EV car scheme (Octopus)
- 🚲 Cycle to work scheme
- 🧮 Pension
- 🌴 25 days of annual leave - excluding bank holidays
- 🏋️♀️ 50% off gym memberships at Virgin Active and Nuffield (via Vitality health insurance)
Company HQ
London, UK
Articles
Leadership
Martin Kissinger
(Co-Founder & CEO)Studied Economics as an undergraduate at LSE before doing an MPhil at Oxford University. Worked as an Entrepreneur in Residence at Rocket in Berlin.
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