Head of Credit - International Cards

About Lendable

About LendableLendable 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 peopleAmong the fastest-growing tech companies in the UKProfitable since 2017Backed by top investors including Balderton Capital and Goldman SachsLoved 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 1Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quoBuild 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 GrowthDevelop and execute credit risk strategies for sustainable growth across US and Mexico portfoliosReview credit policies, underwriting standards, and risk appetite frameworks for each marketDrive portfolio expansion through data-driven decisioning and continuous strategy refinementBalance growth objectives with credit quality targets and profitability metricsLead strategic planning for future market expansion opportunitiesPartner with US and Mexico leadership teams to align credit strategy with business objectivesConduct ongoing market assessments to identify opportunities and emerging risksMarket-Specific Optimization & OperationsNavigate US and Mexico regulatory landscapesMaintain and strengthen relationships with industry partners in both marketsContinuously refine credit products and risk models based on market performance and data insightsOptimize risk-return trade-offs through ongoing portfolio analysis and strategy testingImplement market-specific risk mitigation strategies and collection approachesPrepare credit frameworks and infrastructure for future market expansionsPortfolio Management & Sustainable GrowthDrive sustainable portfolio growth across US and Mexico while maintaining credit quality standardsMonitor and optimize portfolio performance metrics including originations, delinquency, losses, and profitabilityImplement robust early warning systems and portfolio monitoring frameworks for proactive risk managementConduct vintage analysis and cohort tracking to inform strategy adjustmentsLead portfolio stress testing and scenario planning to ensure resilienceBalance growth objectives with prudent risk management and capital efficiencyDrive continuous improvement through champion-challenger testing and iterative optimisationEstablish performance benchmarks and reporting cadences for executive leadershipTeam Building & LeadershipHelp build and lead a world-class international credit risk organizationRecruit, develop, and retain top talentPartner with Product, Operations, Technology, and Compliance teams on portfolio optimization initiativesWork closely with Finance on capital planning, provisioning, forecasting, and P&L managementCollaborate with Data Science teams on model development, enhancement, and innovationSupport Marketing and Growth teams with credit-informed customer acquisition and retention strategiesEngage 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 cards5+ years in senior leadership roles with demonstrable impact on portfolio performanceProven experience managing and growing credit card portfolios across multiple marketsDeep expertise in credit risk strategy, modelling, and portfolio optimizationStrong track record of building and managing high-performing, geographically distributed teamsExperience with US credit card market regulations and operations requiredExperience 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 profitabilityStrong business acumen with deep understanding of credit card economics and P&L driversData-driven decision maker who can translate analytics into actionable strategiesSkilled at balancing short-term performance with long-term portfolio healthEffective at building trust and collaboration across borders and organizational functionsResilience and adaptability in navigating different market dynamics and regulatory environmentsStrategic thinker with strong execution capabilities to deliver results

What We Offer

Opportunity to drive credit strategy and sustainable growth across US and Mexico portfoliosExecutive visibility with direct impact on company performance and expansion strategyCompetitive compensation package including base salary and equityLeadership role with responsibility for multi-billion dollar portfoliosOpportunity to shape future international expansion initiativesCollaborative, innovative, and fast-paced culture

Life at Lendable