Lendable - Head of Credit - International Cards
Requirements
• 10+ years of progressive experience in credit risk management within consumer lending or credit cards • 5+ years in senior leadership roles with demonstrable impact on portfolio performance • Proven experience managing and growing credit card portfolios across multiple markets • Deep expertise in credit risk strategy, modelling, and portfolio optimization • Strong track record of building and managing high-performing, geographically distributed teams • Experience with US credit card market regulations and operations required • Experience with Latin American markets (Mexico preferred) or emerging market credit operations • Key Success Factors • Key Success Factors • Ability to drive sustainable portfolio growth while maintaining credit quality and profitability • Strong business acumen with deep understanding of credit card economics and P&L drivers • Data-driven decision maker who can translate analytics into actionable strategies • Skilled at balancing short-term performance with long-term portfolio health • Effective at building trust and collaboration across borders and organizational functions • Resilience and adaptability in navigating different market dynamics and regulatory environments • Strategic thinker with strong execution capabilities to deliver results
Responsibilities
• 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 Data Science teams on model development, enhancement, and innovation • Support Marketing and Growth teams with credit-informed customer acquisition and retention strategies • Engage with Legal and Compliance on regulatory navigation, risk governance, and policy development
Benefits
• Opportunity to drive credit strategy and sustainable growth across US and Mexico portfolios • Executive visibility with direct impact on company performance and expansion strategy • Competitive compensation package including base salary and equity • Leadership role with responsibility for multi-billion dollar portfolios • Opportunity to shape future international expansion initiatives • Collaborative, innovative, and fast-paced culture • Life at Lendable • Winning team: the opportunity to scale up one of the world’s most successful fintech companies • Winning team: • Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites • Flexible working: • Health coverage: support for your physical and mental wellbeing, including private health cover • Health coverage: • Retirement & savings: long-term financial wellbeing through retirement savings plans • Retirement & savings: • Employee referral programme: earn a competitive bonus when you refer successful new team members • Employee referral programme: • Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations • Office meals & snacks: • Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations • Sustainable commuting: • Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. • Please note: • Check out our blog!
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