Credit Risk Manager

  • Virginia
  • Full Time (Permanent)
  • Hybrid
  • Credit (US Cards)
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About the role

We’re looking for a Credit Risk Manager to join the US Cards Credit team. This is a new role where you’ll have the opportunity to own early stage projects and drive meaningful impact collaborating with the data science, product, and engineering teams.

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

  • Stay ahead of economic trends, adapting strategies accordingly

  • Develop and own models that forecast returns and drive investor reporting

  • Define and refine credit strategies that align with evolving portfolio goals

  • 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

  • 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

  • Phone call with a recruiter

  • Take-home coding exercise

  • Onsite or Video Interviews:

    • Discuss the exercise you completed

    • Case study

    • Meet the team

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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.

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