Credit & Commercial Manager at Lendtable

London, England, United Kingdom

Lendtable Logo
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

analytics
credit strategy
pricing strategy
portfolio management
motor finance
responsible lending
machine learning
AI
data analysis

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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