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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 Risk Manager - Loans

  • Virginia
  • Full Time (Permanent)
  • Hybrid
  • 175-250k
  • Loans US Credit
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About the role

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.

What you’ll be doing

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

  • Ensure we are collecting the right data, in the right structure, to answer high-priority questions

  • Establish statistically sound testing practices across teams

  • 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

  • Ensure we have clear visibility into credit performance, unit economics, funnel & underwriting performance

  • 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

  • Produce credible valuations / forward-looking performance views that inform:

    • Credit strategy and policy changes

    • Capital markets funding conversations

    • Growth scaling decisions

    • Product prioritisation and roadmap tradeoffs

  • Ensure valuation approaches are grounded in high-quality assumptions, are transparent, and are calibrated to observed performance
    Build clear frameworks for answering: what is the portfolio worth, how does it change under different strategy choices, and where are we taking risk?

4) Be Hands-On With Data & Influence Decision Making

  • Be comfortable being hands-on with data: drive your own analysis, build models/tools where needed, and turn analysis into crisp recommendations (SQL required; Python strongly preferred)

  • Communicate complex insights clearly to technical and non-technical stakeholders

  • Operate with an ownership mindset: identify the biggest analytical blind spots and drive improvements proactively (not only when asked)

What we’re looking for

Essential skills

  • 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

Desirable

  • 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

Compensation

US$175,000 - US$250,000 per year
Offers Equity
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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.

  • 401k plan and medical insurance (optical + dental covered)

Check out our Glassdoor Reviews