Credit & Commercial Senior Analyst at Lendtable

London, England, United Kingdom

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Consumer Finance, Motor FinanceIndustries

Requirements

Daily coding experience, with proficiency in Python and SQL ideally
Proven experience in credit risk or commercial strategy roles, ideally within consumer lending
A strategic mindset and the ability to translate complex data into clear, actionable decisions
A focus on delivering results that align with both commercial and customer needs
A collaborative, open approach and a willingness to challenge your own assumptions
Experience working in marketing / growth roles is a plus, but not required

Responsibilities

Optimising our pricing strategy, how much to lend and at what interest rate
Improving our conversion funnel, responding to qualitative feedback as well as data insights
Building a product that our customers and partners love
Define our multi channel pricing & commercial strategy and continuously optimise it to grow the business while maintaining strong returns
Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy
Seek out novel strategies and commercial approaches we can take advantage of
Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market
Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance
Monitor and assess the success of implemented strategies and continuously identify areas for improvement

Skills

Key technologies and capabilities for this role

analyticscredit analysiscommercial strategypricing strategymotor financeportfolio managementfunnel optimizationmachine learningdata analysis

Questions & Answers

Common questions about this position

What is the work arrangement for this role?

The position is hybrid.

What skills are required for the Credit & Commercial Senior Analyst role?

The role requires strong analytics skills, proficiency in Python and SQL, and the ability to optimize pricing and commercial strategies.

What is the company culture like at Lendable?

Lendable fosters a collaborative and ambitious environment with minimal bureaucracy, small teams of exceptional people who are relentlessly resourceful, and encourages ideas and ownership from day one.

What does the team focus on in this role?

The Autolend team focuses on building high performing portfolios with bold growth targets and a commitment to responsible lending.

What makes a strong candidate for this position?

A strong candidate is analytically-minded, loves using data tools like Python and SQL for insights, and has thought leadership on commercial and pricing strategies to optimize business growth while maintaining returns.

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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