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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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Head of Credit - UK Cards

  • London
  • Full Time (Permanent)
  • Hybrid
  • Cards UK Credit
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About the role

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.

Key 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

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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

  • 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.

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

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