Lendable
Senior Credit Risk Manager - Loans
Virginia · Senior
Sponsorship not specifiedDetected 193 days ago
PythonSQLMachine LearningdbtData EngineeringData ScienceA/B TestingStakeholder ManagementForecastingValuationLeadershipCommunicationUnderwriting
About the role
- Ensure we are collecting the right data, in the right structure, to answer high-priority questions
- Establish statistically sound testing practices across teams
- Ensure we have clear visibility into credit performance, unit economics, funnel & underwriting performance
Responsibilities
- 1) Own our Testing Ecosystem (Experimentation + Statistical Rigor)
- Own the end-to-end testing ecosystem for credit and product decisions including experimentation design, implementation standards, and result interpretation
- Develop repeatable frameworks for evaluating tradeoffs between conversion, risk, yield, and customer outcomes
- Partner with Product/Engineering to ensure experimentation tools and logging support robust measurement (not fragile analyses after the fact)
- 2) Build Best-in-Class Monitoring & Analytics Suite (Performance + Economics)
- Build and own a cohesive monitoring and analytics suite that provides a nuanced, end-to-end view of the business
- Develop tooling that lets us diagnose issues early and confidently
- Create a "single source of truth" performance narrative that can be relied on by senior leadership for decision making
- 3) Drive Portfolio Valuation & Forecasting (Decision Support Across the Business)
- Help build and continuously improve our approach to portfolio valuation, performance forecasting, and expectation-setting
Requirements
- Strong hands-on analytics ability - comfortable pulling data yourself and using it to drive decisions (strong SQL & Python required)
- Strong understanding of credit performance and unit economics in lending
Nice to have
- Communicate complex insights clearly to technical and non-technical stakeholders
- 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
- Experience in U.S. personal loans, ideally in FinTech
- 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
Skills
- 4) Be Hands-On With Data & Influence Decision Making
Compensation
- Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations
Benefits
- Flexible working: flexible approach tailored to each role.
- Retirement & savings: long-term financial wellbeing through retirement savings plans
- Employee referral programme: earn a competitive bonus when you refer successful new team members
- Please note: The availability and details of specific benefits vary by location and role.
Company info
- loans, credit cards and car finance.
- We get money into our customers' hands in minutes instead of days.
- 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.
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