Head of Credit - International Cards

About Lendable

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 newest unicorns with a team of just over 700 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 toTake ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1

Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

We are seeking an experienced Head of Credit to lead our international credit card operations, with responsibility for our existing US and Mexico credit card portfolios and potential future credit card expansions. This strategic leadership position will focus on driving sustainable portfolio growth while maintaining strong credit risk discipline across multiple markets. The ideal candidate combines deep credit risk expertise with proven experience managing credit card portfolios and building high-performing teams.

International Credit Strategy & Portfolio Growth Develop and execute credit risk strategies for sustainable growth across US and Mexico portfolios

Review credit policies, underwriting standards, and risk appetite frameworks for each market

Drive portfolio expansion through data-driven decisioning and continuous strategy refinement

Balance growth objectives with credit quality targets and profitability metrics

Lead strategic planning for future market expansion opportunities

Partner with US and Mexico leadership teams to align credit strategy with business objectives

Conduct ongoing market assessments to identify opportunities and emerging risks

Market-Specific Optimization & Operations Navigate US and Mexico regulatory landscapes

Maintain and strengthen relationships with industry partners in both markets

Continuously refine credit products and risk models based on market performance and data insights

Optimize risk-return trade-offs through ongoing portfolio analysis and strategy testing

Implement market-specific risk mitigation strategies and collection approaches

Prepare credit frameworks and infrastructure for future market expansions

Portfolio Management & Sustainable Growth Drive sustainable portfolio growth across US and Mexico while maintaining credit quality standards

Monitor and optimize portfolio performance metrics including originations, delinquency, losses, and profitability

Implement robust early warning systems and portfolio monitoring frameworks for proactive risk management

Conduct vintage analysis and cohort tracking to inform strategy adjustments

Lead portfolio stress testing and scenario planning to ensure resilience

Balance growth objectives with prudent risk management and capital efficiency

Drive continuous improvement through champion-challenger testing and iterative optimisation

Establish performance benchmarks and reporting cadences for executive leadership

Team Building & Leadership Help build and lead a world-class international credit risk organization

Recruit, develop, and retain top talent

Partner with Product, Operations, Technology, and Compliance teams on portfolio optimization initiatives

Work closely with Finance on capital planning, provisioning, forecasting, and P&L management

Collaborate with…