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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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Credit & Commercial Manager

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

We’re looking for an analytically-minded Credit & Commercial Manager to lead our commercial & pricing strategy in our motor finance team, Autolend. We’re building high performing portfolios, with bold growth targets and a commitment to responsible lending.

We are looking for someone who loves using strong analytics to drive smarter decisions, optimise performance, while delivering strong portfolio returns.

Initially you will be an individual contributor role with the opportunity to build and lead a team as we grow. You’ll be entrusted with thought leadership on our commercial strategy, and have a large remit to set up and optimise our pricing to help achieve our objectives.

You'll join a collaborative, ambitious organisation with minimal bureaucracy where ideas matter more than hierarchy with your work directly shaping strategic decisions, enhancing our portfolio performance.

What You’ll Do:

  • Own and optimise our pricing strategy, deciding how much we lend and at what rates to deliver sustainable growth.

  • Enhance our customer journey, improving conversion and performance through both data insights and qualitative feedback.

  • Define and evolve a multi-channel commercial strategy that balances business growth with responsible lending.

  • Discover insights from datasets using Python and SQL to uncover opportunities and optimise our strategy

  • Stay ahead of competitors by monitoring trends, and acquisition channels and adapting quickly.

  • Collaborate cross-functionally with product, engineering, data, and external partners to improve funnel performance

  • Measure impact — track results, learn fast, and refine strategies to maximise both customer value and business performance.

What you'll need to succeed

  • Daily coding experience, with proficiency in both Python and SQL ideally

  • Experience in credit risk or commercial strategy roles, ideally within consumer lending or Motor Finance

  • Strategic and analytical thinking, with the ability to turn complex data into clear, actionable insights

  • Drive to deliver results, aligning with both commercial and customer needs.

  • Curious and collaborative approach and a willingness to challenge your own assumptions

  • Experience working in marketing / growth roles is a plus, but not required!

Interview Process

  • An initial phone conversation with a member of our team.

  • Interviews including a practical case study and team conversations.

  • A final discussion with a member of our executive leadership (C-suite).

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Apply for this role

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

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.