Credit & Commercial Manager

About Lendable

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

One of the UK’s newest unicorns with a team of just over 700 people

Among the fastest-growing tech companies in the UK

Profitable since 2017

Backed by top investors including Balderton Capital and Goldman Sachs

Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on 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 worth of financial products are held by big banks with dated systems and painful processes.

Join us if you want to

Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1

Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

Build the best technology in-house , using new data sources, machine learning and AI to make machines do the heavy lifting

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).

Life at Lendable

Winning team: the opportunity to scale up one of the world’s most successful fintech companies

Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites

Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls

Health coverage: support for your physical and mental wellbeing, including private health cover

Retirement & savings: long-term financial wellbeing through retirement savings plans

Employee referral programme: earn a competitive bonus when you refer successful new team members

Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations

Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

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