Credit & Commercial Senior Analyst at Lendtable

London, England, United Kingdom

Lendtable Logo
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

analytics
credit analysis
commercial strategy
pricing strategy
motor finance
portfolio management
funnel optimization
machine learning
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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