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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 - Cards

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

We're looking for a Senior Credit Risk Manager to join the US Cards Credit team. This is a high-ownership role where you'll shape how we make, measure, and value credit decisions, partnering closely with data science, product, engineering, and capital markets to drive meaningful impact across the portfolio.

Our core responsibilities

  • Build a high-performing credit card portfolio with ambitious growth targets and a commitment to responsible lending

  • Optimize credit decisioning including who to lend to, limits to set, and rates to offer

  • Define and refine credit strategies that align with evolving portfolio goals, staying ahead of economic trends and adapting accordingly

  • Own the end-to-end testing ecosystem — experimentation design, implementation standards, and statistically sound result interpretation

  • Build and own a monitoring & analytics suite that gives a clear, end-to-end view of credit performance and unit economics, and serves as a single source of truth for senior leadership

  • Develop and own models that forecast returns, value the portfolio, and drive investor reporting

  • Discover data-driven insights using Python and SQL to address key business questions

  • Collaborate cross-functionally with product, engineering, data, and operations teams to implement and improve strategies

  • Continuously monitor the effectiveness of credit strategies and identify areas for improvement

What you'll need to succeed

  • Daily coding experience with Python and SQL

  • Proven experience in credit risk strategy within finance, ideally within consumer lending

  • Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, guardrails)

  • Strong understanding of credit performance and unit economics in lending

  • Strategic thinking and ability to translate complex data into clear, actionable decisions

  • Results-focused mindset balancing business and customer needs

  • Collaborative, growth mindset and willingness to challenge your own assumptions

  • Strong sense of ownership and proactive problem-solving attitude

Interview process

  • Call with a recruiter (30 minutes)

  • Cognitive Test (15 Minutes)

  • Take-home coding exercise + Task debrief (60 minutes)

  • Case study interview (60 minutes)

  • Culture-add interview (30 minutes)

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