Head of Credit - International Cards

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

Role Overview

We are seeking an experienced Head of Credit to lead our international credit card operations, with responsibility for our existing US and Mexico credit card portfolios and potential future credit card expansions. This strategic leadership position will focus on driving sustainable portfolio growth while maintaining strong credit risk discipline across multiple markets. The ideal candidate combines deep credit risk expertise with proven experience managing credit card portfolios and building high-performing teams.

Key Responsibilities

International Credit Strategy & Portfolio Growth

Develop and execute credit risk strategies for sustainable growth across US and Mexico portfolios

Review credit policies, underwriting standards, and risk appetite frameworks for each market

Drive portfolio expansion through data-driven decisioning and continuous strategy refinement

Balance growth objectives with credit quality targets and profitability metrics

Lead strategic planning for future market expansion opportunities

Partner with US and Mexico leadership teams to align credit strategy with business objectives

Conduct ongoing market assessments to identify opportunities and emerging risks

Market-Specific Optimization & Operations

Navigate US and Mexico regulatory landscapes

Maintain and strengthen relationships with industry partners in both markets

Continuously refine credit products and risk models based on market performance and data insights

Optimize risk-return trade-offs through ongoing portfolio analysis and strategy testing

Implement market-specific risk mitigation strategies and collection approaches

Prepare credit frameworks and infrastructure for future market expansions

Portfolio Management & Sustainable Growth

Drive sustainable portfolio growth across US and Mexico while maintaining credit quality standards

Monitor and optimize portfolio performance metrics including originations, delinquency, losses, and profitability

Implement robust early warning systems and portfolio monitoring frameworks for proactive risk management

Conduct vintage analysis and cohort tracking to inform strategy adjustments

Lead portfolio stress testing and scenario planning to ensure resilience

Balance growth objectives with prudent risk management and capital efficiency

Drive continuous improvement through champion-challenger testing and iterative optimisation

Establish performance benchmarks and reporting cadences for executive leadership

Team Building & Leadership

Help build and lead a world-class international credit risk organization

Recruit, develop, and retain top talent

Partner with Product, Operations, Technology, and Compliance teams on portfolio optimization initiatives

Work closely with Finance on capital planning, provisioning, forecasting, and P&L management

Collaborate with Data Science teams on model development, enhancement, and innovation

Support Marketing and Growth teams with credit-informed customer acquisition and retention strategies

Engage with Legal and Compliance on regulatory navigation, risk governance, and policy development

Essential Experience

10+ years of progressive experience in credit risk management within consumer lending or credit cards

5+ years in senior leadership roles with demonstrable impact on portfolio performance

Proven experience managing and growing credit card portfolios across multiple markets

Deep expertise in credit risk strategy, modelling, and portfolio optimization

Strong track record of building and managing high-performing, geographically distributed teams

Experience with US credit card market regulations and operations required

Experience with Latin American markets (Mexico preferred) or emerging market credit operations

Key Success Factors

Ability to drive sustainable portfolio growth while maintaining credit quality and profitability

Strong business acumen with deep understanding of credit card economics and P&L drivers

Data-driven decision maker who can translate analytics into actionable strategies

Skilled at balancing short-term performance with long-term portfolio health

Effective at building trust and collaboration across borders and organizational functions

Resilience and adaptability in navigating different market dynamics and regulatory environments

Strategic thinker with strong execution capabilities to deliver results

What We Offer

Opportunity to drive credit strategy and sustainable growth across US and Mexico portfolios

Executive visibility with direct impact on company performance and expansion strategy

Competitive compensation package including base salary and equity

Leadership role with responsibility for multi-billion dollar portfolios

Opportunity to shape future international expansion initiatives

Collaborative, innovative, and fast-paced culture

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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