Compliance Monitoring Officer

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 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.

As Compliance Monitoring Officer, you'll join Lendable's Compliance team to help ensure the firm meets its regulatory obligations and delivers good outcomes for customers. You'll design and deliver structured compliance monitoring reviews across the business, identifying risks and gaps, and working with stakeholders to track remediation to completion. This is a hands‑on, detail‑driven role for someone who understands consumer credit regulation and wants to build a strong second‑line assurance function within a fast‑moving fintech.

You'll report into the Compliance and Governance Manager, working closely with teams across the business as well as external bodies including the FCA and ICO.

• Deliver a robust, well‑evidenced compliance monitoring programme across the firm

• Ensure adherence to regulatory requirements and internal policies at all times

• Identify and elevate compliance risks, breaches, or suspicious activity before they cause harm

• Provide second‑line assurance over the effectiveness of Quality Assurance activities

• Keep the business ahead of regulatory change through horizon scanning

• Embed Consumer Duty and good customer outcomes across the organisation

• Design terms of reference, testing logs, and comprehensive final reports for each monitoring review

• Present findings to senior management and drive agreed actions to completion

• Maintain accurate, audit‑ready records across all stages of monitoring activity

• Review and validate the effectiveness of Quality Assurance work as second‑line assurance

• Support regulatory reporting, horizon scanning, and ad hoc compliance advice requests

• Investigate and elevate potential breaches or unusual patterns to the right internal and external stakeholders

• 2+ years' experience in compliance monitoring within consumer credit, ideally including secured lending products

• Solid knowledge of financial services regulation (AML, KYC, GDPR, DISP, CONC, MCOB)

• Strong grounding in risk assessment methodologies and compliance monitoring techniques

• A 2:1 degree (finance, law, business, or related) plus 3 A-levels at grade B or above; ICA or similar a plus

• Sharp analytical skills with strong attention to detail and the ability to interpret data and spot patterns

• Excellent written and verbal communication, with the confidence to engage stakeholders at all…