Credit & Commercial Manager at Lendtable

London, England, United Kingdom

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Not SpecifiedCompensation

Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Consumer Finance, Motor FinanceIndustries

Requirements

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

Responsibilities

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

Skills

Key technologies and capabilities for this role

analyticscredit strategypricing strategyportfolio managementmotor financeresponsible lendingmachine learningAIdata analysis

Questions & Answers

Common questions about this position

What is the work arrangement for this role?

The position is hybrid.

What technical skills are required for this position?

Proficiency in Python and SQL is required for analyzing datasets and uncovering insights to optimize strategy.

What does the company culture feel like at Lendable?

Lendable offers a collaborative, ambitious environment with minimal bureaucracy where ideas matter more than hierarchy, and your work directly shapes strategic decisions.

Is there an opportunity to lead a team in this role?

Initially, it is an individual contributor role with the opportunity to build and lead a team as the company grows.

What makes a strong candidate for this Credit & Commercial Manager role?

A strong candidate is analytically-minded, loves using strong analytics to drive decisions, and has experience with Python and SQL in a fintech or finance context.

Lendtable

Provides credit lines for retirement contributions

About Lendtable

Lendtable helps employees increase their long-term wealth by providing lines of credit for retirement and employee stock purchase plans (ESPP). This service allows employees to contribute to their 401(k) plans or ESPPs without reducing their take-home pay, enabling them to take full advantage of employer matching contributions. The application process is straightforward, and Lendtable earns revenue through fees on the credit extended. The company's goal is to maximize retirement savings for employees of large corporations while keeping their monthly budgets intact.

San Francisco, CaliforniaHeadquarters

2020Year Founded

$22.5MTotal Funding

SERIES_ACompany Stage

Fintech, Financial ServicesIndustries

11-50Employees

Risks

Rising interest rates may increase Lendtable's cost of capital.

Increased competition from fintech startups could erode Lendtable's market share.

Regulatory scrutiny on retirement-focused financial products could impact Lendtable.

Differentiation

Lendtable offers unique credit lines for 401(k) and ESPP contributions.

The company targets employees of Fortune 500 companies for its services.

Lendtable's model allows wealth-building without reducing take-home pay.

Upsides

Increased employer interest in financial wellness boosts demand for Lendtable's services.

SECURE 2.0 Act encourages higher retirement savings, benefiting Lendtable.

Growing ESPP offerings align with Lendtable's focus on stock purchase plans.

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