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Chief Placeholder Officer

  • London
  • Full Time (Permanent)
  • Hybrid
  • Placeholder team
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About this role

Suspense thrives on uncertainty, a calculated pause that draws in the observer. In this pause, placeholders emerge as valuable cues. Their very presence suggests that what is yet unseen could hold the answers, a revelation or a solution. When used thoughtfully, a placeholder can tease and compel, engaging the imagination.

Responsibilities

In websites, a loading spinner is no different than the ellipsis of a suspenseful plot twist; it tells the viewer that what is coming is worth waiting for. Key benefits of effective placeholders include:

  • Maintaining engagement: By signaling more to come, placeholders prevent user drop-off.
  • Setting expectations: Clear, well-placed placeholders hint at what content is coming next, adding structure.
  • Building suspense: The anticipation of more content holds attention, just as in storytelling.

Placeholder content, however, must tread a careful line. Too sparse, and it risks undermining its own suspense; too dense, and it overwhelms with unnecessary clutter. The balance lies in leaving just enough room for the mind to wander and fill the gaps.

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Senior Credit Analyst

  • London, UK
  • Full Time (Permanent)
  • Hybrid
  • Loans US Credit
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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 conditions.

  • 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/or SQL

  • 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

  • An initial phone conversation with our Talent Team

  • Case study interviews

  • Onsite interview with Head of credit + logistical reasoning task

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Life at Lendable

Two people with laptops on their lap sat either side of a black labrador on a sofa in front of a window. The dog is a very good girl.
  • 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

  • Our in-house chefs prepare fresh, healthy lunches 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 keen to make Lendable the most inclusive and open workspace in London

Check out our Glassdoor Reviews

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About Lendable

A large group of around 50 people, and one dog, in an office facing the camera and smiling

Lendable is on a mission to build the world's best technology to help people get credit and save money.

  • Founded in 2014

  • Profitable since 2017

  • Unicorn in 2021

  • £3.5bn valuation in 2022

  • Backed by Balderton, Goldman Sachs and Ontario Teachers' Pension Plan

  • Loved by customers & employees with top reviews on Glassdoor and 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 are held by big banks with dated systems and painful processes.