Financial Operations Graduate

About Lendable Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s most exciting unicorns with a team of over 800 people

• Among the fastest-growing tech companies in the UK

• Profitable since 2017

• Backed by top investors including Balderton Capital and Goldman Sachs

• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

Join us if you want to Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of the company from day 1

• Work in small teams of exceptional people:
  Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions

• Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

About the role Lendable's Payments team transacts money for our UK Loans, Auto Lend (motor finance) and Zable (credit card) products: disbursing loans, collecting repayments, refunding customers and reconciling everything against our banking providers.

We're bringing in a recent graduate on a 6-month contract to strengthen the controls around our daily loan funding and to add capacity across payments and partner indemnity recovery. A large part of our Auto Lend lending is originated through third-party partners, and you'll own the daily process that verifies funds are flowing correctly through that chain before we release the next day's payments.

You'll run that control every day, then use the remaining time to help us make it faster, better evidenced and, where possible, automated.

This is a hands‑on operational role and a strong first job in fintech. You don't need finance experience; we'll teach you the payments side. You do need to be numerate, methodical, quick to learn and comfortable being the last line of defence before money leaves the building.

What you'll do Daily funding controls (core responsibility)

• Run the daily pre-release checks on partner funding: gather payment evidence from our third‑party partners, reconcile it to our disbursal records, and confirm that yesterday's funds reached the intended recipients before today's payments are approved.

• Hold, query or elevate anything that is missing, late or doesn't reconcile, and document the reason clearly so commercial, operations and risk colleagues can act on it.

• Keep a full audit trail of every check, exception and release decision so the control is evidenced for internal review and audit.

• Spot the trends in partner behaviour and payment timing that warrant a closer look, and raise them early.

• Run periodic verification of partner and payee bank details, and re-verify whenever a partner asks us to change where we pay them.

• Work with the Payments Manager to onboard more partners onto the control, and to turn the manual check into matching rules, scripts and monitoring that surface only the exceptions.

Payments and finance operations

• Support day‑to‑day payment operations: cash allocation of incoming repayments, refunds and returned payments, and reconciliation against our bank and payment providers.

• Prepare and check payment files for approval, for example, bulk payment files for customer refunds and complaint…