lendable - Secured Credit Risk Manager

• Deep experience in secured lending credit risk — you've worked on second charge mortgages or similar secured products (bridging, BTL, specialist residential) and understand the product inside out • Strong knowledge of risk scoring and pricing — you've built or materially contributed to scorecards, pricing frameworks, or credit policy in a secured lending environment • Understanding of funding and capital constraints — you know how LTV covenants, property valuations, and investor criteria shape what you can lend and to whom • Commercial awareness and growth mindset — you understand that credit policy exists to enable lending, not prevent it. You think about accept rates, broker conversion, and competitive positioning alongside risk metrics • Familiarity with the end-to-end secured lending process — from quote through to completion, including how valuation, legal, and land registry processes interact with credit decisions • Analytical rigour — you're comfortable with data. SQL is required and Python experience is a plus, but what matters is that you think in numbers and can interrogate MI to drive decisions that lead to more good quality lending • Regulatory awareness — working knowledge of MCOB and FCA requirements for second charge lending • Experience designing for scale and automation — you understand how to structure underwriting policy as decision logic, scorecards, and rules that can be executed programmatically. You think in terms of tens of thousands of applications, not manual case-by-case review • Experience with loan servicing — settlements, collections, arrears management, and recoveries in a secured lending context • Exposure to broker distribution models and how credit policy interacts with intermediary channels • Experience working in a startup or scale-up environment, or a desire to move from a large organisation into one • Experience with decisioning platforms or rules engines • LIFE AT LENDABLE