Head of Credit - UK Cards

Lendable · Londonsenior

En corto

▸Liderar la estrategia y operaciones de riesgo crediticio para tarjetas de crédito en el Reino Unido.
▸Desarrollar políticas de riesgo, modelos de pricing y sistemas de decisión con enfoque en datos y machine learning.
▸Rol de alto impacto con autonomía desde el día 1 en una fintech líder y en crecimiento acelerado.

Fluent written and spoken English is required.

En ~1 minuto te damos: quién te entrevista, las preguntas probables con respuestas desde tu CV, y tu CV adaptado a esta vacante. Gratis, sin tarjeta.

¿Qué piden?

✓10+ años en riesgo crediticio en préstamos o tarjetas de consumo
✓5+ años en roles de liderazgo senior gestionando equipos de riesgo
✓Habilidad comprobada en estrategias de riesgo crediticio exitosas
✓Experto en modelado de riesgo, análisis y sistemas de decisión
✓Experiencia comprobada en gestión y desarrollo de equipos altamente productivos
✓Conocimiento profundo de cumplimiento regulatorio y resultados positivos para el cliente

¿No cumplís todo? Es lo normal — tu dossier gratis te dice qué gaps tenés y cómo cubrirlos en la entrevista.

credit risk modellinganalyticsdecisioning systemsmachine learningAIstress testingscenario analysisportfolio performance metricsrisk-based pricingunderwriting criteria

¿A quién escribirle en Lendable?

Tu dossier gratis identifica a las personas que te entrevistarían — con su background, qué valoran y cómo escribirles para destacar antes de aplicar.

About Lendable Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: One of the UK’s newest unicorns with a team of just over 700 people Among the fastest-growing tech companies in the UK Profitable since 2017 Backed by top investors including Balderton Capital and Goldman Sachs Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot ) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance . We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. Join us if you want to 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 Role Overview We are seeking an experienced Head of Credit to lead our UK credit card portfolio's credit risk strategy and operations. This senior leadership role will be responsible for developing and implementing credit risk policies, optimizing portfolio performance, and building a high-performing team to support our UK market operations. Responsibilities Credit Risk Strategy & Management Develop and execute comprehensive credit risk strategies for the UK credit card portfolio Design and optimize credit policies, underwriting criteria, and risk-based pricing models Monitor portfolio performance metrics Implement proactive risk management frameworks to minimize credit losses while maximizing portfolio growth Lead stress testing and scenario analysis to assess portfolio resilience Ensuring good customer outcomes and regulatory compliance Essential Experience 10+ years of experience in credit risk management within consumer lending or credit cards 5+ years in senior leadership roles managing credit risk functions Proven track record of developing and implementing successful credit risk strategies Deep expertise in credit risk modelling, analytics, and decisioning systems Extensive experience managing and developing high-performing teams What We Offer Competitive salary and stock options Opportunity to shape credit strategy for a leading credit card portfolio Collaborative and innovative work environment Professional development and career advancement opportunities Life at Lendable Winning team: the opportunity to scale up one of the world’s most successful fintech companies Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls Health coverage: support for your physical and mental wellbeing, including private health cover Retirement & savings: long-term financial wellbeing through retirement savings plans Employee referral programme: earn a competitive bonus when you refer successful new team members Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

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