Head of Credit - International Cards

About the role

Lendable is a thriving fintech unicorn that has successfully established itself in the consumer finance sector across both the UK and the US. In this pivotal leadership position, you will be responsible for shaping the credit strategy for our existing credit card portfolios in the United States and Mexico, while also laying the groundwork for potential expansions into new international markets. This role is integral to our growth, requiring a blend of strategic vision and hands-on execution. You will define the risk appetite and governance framework that governs how we underwrite and service card portfolios in these key regions. You will partner closely with commercial and operational leaders to ensure that our credit policies support business objectives without compromising portfolio health. A core part of this role involves translating complex market dynamics into actionable strategies that balance growth, risk, and profitability. You will be expected to act as the definitive authority on credit performance and risk trends for international card products. Ultimately, your work will directly influence the sustainability and profitability of Lendable's card business across these critical markets.

Key facts

What you'll do

Drive the end-to-end credit strategy for existing card portfolios in the United States and Mexico, ensuring alignment with business growth targets and risk tolerance.

Architect and implement portfolio risk frameworks that optimize approval rates, loss ratios, and customer lifetime value across international markets.

Analyze portfolio performance using advanced analytics to identify trends, anomalies, and opportunities for strategic intervention.

Collaborate with product and compliance teams to design credit products that meet regulatory standards and market demands in both the US and Mexico.

Lead the development of credit policies and underwriting guidelines tailored to the unique characteristics of each international market.

Partner with data science teams to leverage machine learning and advanced modeling techniques for improved risk prediction and decisioning.

Monitor key portfolio metrics such as delinquency, charge-offs, and utilization to inform timely strategic adjustments.

Represent Lendable in discussions with external partners and regulators to ensure clarity and compliance in international operations.

Champion the adoption of best-in-class risk management practices derived from global fintech standards and emerging innovations.

Spearhead initiatives to expand card offerings into additional international territories, conducting market assessments and risk evaluations.

Define and manage relationships with key stakeholders to ensure cross-functional alignment on credit strategy and operational execution.

Provide thought leadership and mentorship to internal teams on topics related to credit risk, portfolio management, and regulatory compliance.

Oversee the calibration of risk models to ensure they remain robust and predictive in changing economic environments.

Establish reporting cadences and dashboards that provide transparent visibility into portfolio health and performance for executive stakeholders.

Requirements

Possess a minimum of 10 years of professional experience in credit risk management, specifically within consumer lending or credit card sectors.

Hold at least 5 years in senior leadership roles, demonstrating a measurable impact on portfolio performance and growth.

Bring proven experience in managing and scaling credit card portfolios across various international markets, with a focus on the US and Mexico.

Show in-depth knowledge of US credit card market regulations and operational practices.

Demonstrate familiarity with credit operations in Latin America, particularly in Mexico, which is highly desirable for this role.

Exhibit strong expertise in credit risk strategy formulation, portfolio optimization, and advanced modeling techniques.

Maintain excellent analytical skills with a data-driven approach to decision-making and insights.

Display exceptional leadership abilities, with a track record of building and managing high-performing teams.

Commit to fostering an inclusive work environment where diverse perspectives contribute to smarter risk decisions.

Adhere to the highest standards of professional ethics, integrity, and confidentiality in handling sensitive financial data.

Embrace a mindset of continuous learning to keep pace with evolving regulations, technologies, and market conditions.

Ensure effective communication skills to articulate complex risk concepts to both technical and non-technical audiences.

Dedicate yourself to a collaborative approach, working seamlessly with cross-functional partners to achieve shared objectives.

Nice to have

Bring experience with fintech innovations and emerging technologies in credit risk management to enhance our competitive edge.

Show proficiency in advanced analytics tools and software used for credit risk modeling and portfolio analysis.

Leverage multilingual capabilities, particularly in Spanish, to facilitate smoother communication in the Mexican market.

Cultivate a strong network within the financial services industry, particularly in credit risk and consumer lending, to drive partnerships and insights.

Practical notes

This position is hybrid, requiring three days of in-office attendance each week to foster collaboration and teamwork.

Employees enjoy a comprehensive benefits package that includes private health insurance, retirement savings plans, and an employee referral program.

In-office amenities include complimentary lunches prepared by a chef and a fully stocked kitchen to support a positive work environment.

META

Company: Lendable

Title: Head of Credit

International Cards

Listed

location: Virginia

Job type: full_time