Head of Credit – UK Cards

Lendable

Head of Credit shaping UK credit-card risk strategy at Lendable, a fintech rebuilding consumer finance products. Leading policies, portfolio performance, stress testing, compliance, and team development.

Posted 8/13/2026full-timeLondon • 🇬🇧 United KingdomLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in credit risk management, including the development and execution of credit risk strategies, credit risk modeling, and regulatory compliance. Proven ability to lead high-performing teams and implement proactive risk management frameworks to optimize portfolio performance.

Highest-signal resume keywords

Credit Risk ManagementCredit Risk Strategy DevelopmentCredit Risk ModellingTeam LeadershipRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk StrategyCredit Policy DesignUnderwriting CriteriaRisk-Based Pricing ModelsPortfolio Performance MonitoringStress TestingScenario AnalysisCredit Risk AnalyticsDecisioning Systems

Soft Skills

Team ManagementLeadership

Industry Keywords

Consumer LendingCredit CardsUK Market Operations

About the role

Key responsibilities & impact

Lead the UK credit card portfolio's credit risk strategy and operations
Develop and execute comprehensive credit risk strategies
Design and optimize credit policies, underwriting criteria, and risk-based pricing models
Monitor portfolio performance metrics
Implement proactive risk management frameworks to minimize credit losses while maximizing portfolio growth
Lead stress testing and scenario analysis to assess portfolio resilience
Ensure good customer outcomes and regulatory compliance
Build and manage a high-performing credit risk team supporting UK market operations

Requirements

What you’ll need

10+ years of experience in credit risk management within consumer lending or credit cards
5+ years in senior leadership roles managing credit risk functions
Proven track record of developing and implementing successful credit risk strategies
Deep expertise in credit risk modelling, analytics, and decisioning systems
Extensive experience managing and developing high-performing teams
Right to work in the UK

Benefits

Comp & perks

Competitive salary and stock options
Opportunity to shape credit strategy for a leading credit card portfolio
Collaborative and innovative work environment
Professional development and career advancement opportunities
Flexible working
Socials and connection opportunities and events
Private health cover
Retirement savings plans
Employee referral programme with a competitive bonus
Fully stocked kitchen and complimentary lunches on in-office days at select locations
Cycle-to-work scheme
Electric vehicle salary sacrifice scheme available in select locations