Head of Credit - International Cards
Lendable · United States · 2mo ago
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 Lendable 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
Role Overview
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.
Key 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
Essential Experience
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
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
What We Offer
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
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
Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls
Health coverage: support for your physical and mental wellbeing, including private health cover
Retirement & savings: long-term financial wellbeing through retirement savings plans
Employee referral programme: earn a competitive bonus when you refer successful new team members
Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations
Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.
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