---
title: 'Head of Credit - International Cards at Lendable'
canonical: 'https://feeny.ai/job/head-of-credit-international-cards-lendable-virginia-0wzpwdn59me8'
type: 'job'
last_seen: '2026-09-11'
---

# Head of Credit - International Cards at Lendable

- **Company:** Lendable
- **Location:** Virginia
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-07-28
- **Last confirmed live:** 2026-09-11
- **Apply:** https://jobs.ashbyhq.com/lendable/f48c03d1-059f-41aa-ad90-5aee4fdbf563

## Job description

## 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](https://uk.trustpilot.com/review/lendable.co.uk))

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 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

## 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. Check out our [blog](https://blog.lendable.co.uk/)!

## About Lendable

## Company Overview
- **One-liner**: Lendable is a British fintech company that uses AI and open banking data to provide fast, transparent personal loans, credit cards, and car finance.
- **Entity Type**: Private (Unicorn, last valued at ~£3.5 billion in March 2022)
- **Headquarters**: London, England, United Kingdom
- **Founded**: 2014
- **Founders**: Martin Kissinger, Victoria van Lennep, Paul Pamment, Jakob Schwarz

## Core Business
- **Primary industry**: Financial Technology (Consumer Finance)
- **Target customers**: B2C (prime and near-prime borrowers in the UK, US, and Mexico)
- **Mission or purpose**: To challenge a stale and archaic loans and credit industry by making smart borrowing cheaper, more transparent, and more accessible for responsible people.

## Products & Services
- **Lendable**: The original fast, transparent personal loan platform. Offers instant eligibility checks and guaranteed rates up front, with funds transferred instantly upon approval. Uses open banking and AI to see customers as individuals, not just credit scores.
- **Zable**: A financial superapp that combines borrowing, saving, money management, credit score building, and smarter deals for utilities, mobile contracts, and insurance. Includes the Zable Credit Card and Zable Loans.
- **Autolend**: A car finance product bringing Lendable’s transparency and speed to the auto finance market.
- **Zable Mobile**: A mobile plan launched in partnership with Gigs in October 2025, the first mobile plan by a fintech in Britain.

## Market Standing
- **Valuation/Market Cap**: ~£3.5 billion (as of March 2022 funding round)
- **Key Metric**: Revenue of £446 million (2025); Profitable since 2017
- **Notable Investors/Partners**: Ontario Teachers' Pension Plan Board (lead investor in £210M round), Balderton Capital, Waterfall Asset Management, Goldman Sachs, Passion Capital
- **Growth Signals**: Number 1 issuer of personal loans in the UK by volume; number 2 credit card issuer in the UK (2025); expanded to the US (2021) and Mexico (2026); launched Zable Mobile (first fintech mobile plan in the UK); 800+ employees; 100,000+ Trustpilot reviews with a 5.0* rating; billions in annual originations.

## Competitive Advantages
- **Proprietary AI & Open Banking**: Uses the deepest open banking dataset in the market and advanced AI models to see customers as individuals, not just credit scores, enabling instant, guaranteed rates and higher approval rates for responsible borrowers.
- **Market Leadership**: The number 1 issuer of personal loans in the UK and number 2 credit card issuer, with a track record of profitable growth since 2017.
- **Customer Experience**: 5.0* rating from 100,000+ Trustpilot reviews, driven by a fully digital, hassle-free, and transparent process with no bait-and-switch.
- **Technology-First Platform**: A proprietary platform that automates everything from instant credit decisions to saving customers money with tailored offers, operating as a two-sided marketplace for institutional investors.

## Strategic Focus
- **International Expansion**: Expanding into new markets, with recent entry into Mexico (2026) and existing operations in the UK and US.
- **Product Ecosystem Growth**: Deepening the Zable superapp ecosystem to include mobile plans (Zable Mobile), car finance (Autolend), and more, creating a single platform for all financial decisions.
- **AI & Data Leadership**: Continuing to invest in proprietary AI models and open banking datasets to maintain a competitive edge in credit decisioning and customer personalization.
- **Market Share Capture**: Targeting the £40bn car finance market and further penetrating the US and Mexican markets.

## Why Work Here
- **Culture**: Described as dynamic, driven, and fast-paced, with a focus on low ego, high ownership, and meaningful impact. The team of 800+ spans 45 nationalities and speaks 32 languages.
- **Work Style**: Small teams of exceptional people who are trusted to take ownership and make decisions from day one. Emphasis on building the best technology in-house using new data sources, ML, and AI.
- **Perks**: Regular social events, often involving food. A 4.3* average score on Glassdoor.
- **Location**: Offices in London, Kent (UK), and New York City (US). Hybrid/office policy not explicitly stated but likely flexible given the international team.
- **Engineering Culture**: Focus on building proprietary technology, using new data sources, machine learning, and AI to automate processes. Engineers are trusted to take ownership and drive material impact.

## Sources
1. [lendable.co.uk](https://www.lendable.co.uk/)
2. [careers.lendable.com](https://careers.lendable.com/)
3. [lendable.com](https://www.lendable.com/)
4. [lendable.co.uk/about](https://www.lendable.co.uk/about)
5. [en.wikipedia.org](https://en.wikipedia.org/wiki/Lendable)

## Other roles at Lendable

- [Analyst](https://feeny.ai/job/analyst-lendable-london-erzd1kdpdzwa) — London, United Kingdom
- [Senior Commercial Analyst](https://feeny.ai/job/senior-commercial-analyst-lendable-london-0m9a7p5z99rc) — London, United Kingdom
- [Growth Partnership Executive](https://feeny.ai/job/growth-partnership-executive-lendable-london-yz1c8vftcfds) — London, United Kingdom
- [Recoveries Agent (Autolend)](https://feeny.ai/job/recoveries-agent-autolend-lendable-chatham-dekcssg5j34a) — Chatham, United Kingdom
- [Talent Acquisition Partner - Operations](https://feeny.ai/job/talent-acquisition-partner-operations-lendable-london-dwfxq8mg69tj) — London, United Kingdom
- [Senior Python Engineer (Full Stack)](https://feeny.ai/job/senior-python-engineer-full-stack-lendable-london-paqyhczfynzw) — London, United Kingdom
- [Senior Full Stack Engineer](https://feeny.ai/job/senior-full-stack-engineer-lendable-london-javqbhs7vxm0) — London, United Kingdom
- [Data Platform Engineer](https://feeny.ai/job/data-platform-engineer-lendable-london-eq8eknc9em4f) — London, United Kingdom
- [Talent Acquisition Manager - Operations](https://feeny.ai/job/talent-acquisition-manager-operations-lendable-london-772337tgtwkv) — London, United Kingdom
- [Customer Support Agent (Mexico - Credit Card Team)](https://feeny.ai/job/customer-support-agent-mexico-credit-card-team-lendable-mexico-city-bypkf28kadbx) — Mexico City, Mexico