Senior Credit Risk Manager

Lendable • Arlington, VA

3d • Hybrid

About The Position

We're looking for a highly analytical, technically strong Senior Credit Manager to join our U.S. team.
In this role, you will help drive a step-change in how we measure, test and understand the performance of our U.S. loans business. You'll work horizontally across Credit, Data Science, Product, Engineering and Capital Markets to ensure we are making statistically sound, customer-friendly and commercially intelligent decisions.
This is a high-impact, high-autonomy role. You will own core analytical infrastructure that underpins how we improve credit strategy, evaluate tradeoffs, and scale profitably. The role is ideal for someone who thrives in ambiguity, is comfortable going deep into technical detail, and can translate rigorous analysis into decisions that move the business.

Requirements

• Strong hands-on analytics ability — comfortable pulling data yourself and using it to drive decisions (strong SQL & Python required)
• Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, segmentation, guardrails)
• Strong understanding of credit performance and unit economics in lending
• Experience building monitoring / performance reporting and diagnosing portfolio performance changes
• Strong commercial judgment: can balance customer outcomes and business profitability; comfortable with ambiguity and tradeoffs
• Strong stakeholder management and communication — able to influence cross-functionally and up to senior leadership
• Ownership mindset and high standards for analytical quality and integrity

Nice To Haves

• Experience in U.S. personal loans, ideally in FinTech
• Familiarity with underwriting strategy, risk models, and credit policy design
• Experience partnering with Capital Markets / finance stakeholders on valuation, forecast, or funding decisions
• Experience working with data engineering / analytics engineering teams (dbt, warehouse structures, instrumentation)
• Familiarity with fairness/fair lending concepts and monitoring frameworks
• Experience implementing AI tools to power business monitoring

Responsibilities

• Own our Testing Ecosystem (Experimentation + Statistical Rigor)
• Build Best-in-Class Monitoring & Analytics Suite (Performance + Economics)
• Drive Portfolio Valuation & Forecasting (Decision Support Across the Business)
• Be Hands-On With Data & Influence Decision Making

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed