Director of Credit Risk Analytics & Decisioning

LendInvest is the UK's leading FinTech platform for property finance. Over the past 17 years, we have grown from just our two founders to a team of over 200 working to make property finance simple for everyone. A workplace culture built around trying new things, getting things done, and having fun while we do it has helped us lend more than £7.5 billion of mortgages, put thousands of new or improved homes into the UK housing market, and successfully launch on the London Stock Exchange. We have big plans to continue growing the business, our products, our technology, and our people.

About the role

We're on the lookout for a strategic and data-driven leader to shape the future of credit risk at LendInvest. As our Director of Credit Risk Analytics & Decisioning, you'll be at the forefront of optimising our mortgage products. Your work will include developing cutting-edge risk models, refining decisioning tools, and delivering meaningful insights that steer our business towards continued success.

This is an incredible opportunity to work alongside senior leaders, influence our risk framework, and lead on analytics that drive commercial outcomes. If you're ready to take on a challenging and rewarding role in a dynamic, data-rich environment, we'd love to hear from you!

Key responsibilities and tasks

• Lead credit risk analytics and decisioning across LendInvest's mortgage portfolio.

• Own, monitor, and enhance the IFRS 9 ECL model with support from the Data Engineering team.

• Develop and maintain robust risk models (e.g., IFRS9, behavioural scorecards) that deliver commercial impact.

• Oversee the design and management of in-house and third-party applications and behavioural scorecards.

• Collaborate with senior Operational and Underwriting stakeholders to refine decisioning and rules-based underwriting processes.

• Partner with the CCRO to explore third-party tools and suppliers for advanced risk analytics and decisioning.

• Work closely with Finance to ensure accurate budgeting inputs, including Expected Credit Loss, Cost of Risk, and Effective Interest Rate adjustments.

• Create and enhance dashboards and reports to provide key credit risk insights and support strategic decision-making.

• Identify and address negative data trends, proposing solutions to the CCRO and Investment and Credit Committee.

• Deliver clear and timely reporting to the Investment and Credit Committee, enabling senior management to monitor performance against credit risk appetite.

• Build and deploy analytical tools to uncover portfolio and product trends, ensuring alignment with business goals.

• Manage data and analytical requests across Underwriting, Capital Markets, and Servicing teams.

• Take ownership of data quality issues, driving remediation with stakeholders.

• Provide market and portfolio analysis to Product Committees, recommending enhancements to product criteria.

What are we looking for?

• A degree in a maths-related subject.

• Resilience, confidence, and the ability to build strong relationships with key stakeholders.

• Expertise in:

  • Credit Referencing Agency reports (personal and commercial).

  • Detailed mortgage product knowledge.

  • IFRS 9 standards, including ECL modelling.

  • Application and behavioural scoring.

• Meticulous attention to detail and a knack for identifying risks early.

• Advanced SQL and Python skills, with proficiency in visualisation tools like Tableau and Metabase.

• Understanding of QA and deployment best practices.

• Strong credit risk management knowledge and insight into drivers of lending profitability.

• Excellent communication skills, capable of presenting data clearly and persuasively to senior stakeholders and global financial institutions.

Why Join Us?

We believe in rewarding hard work and fostering a supportive environment.

Here's a glimpse of what we offer:

• Competitive salary
• Hybrid & Remote working
• ️ 25 days holiday, increasing with the length of service
• Private healthcare
• Enhanced parental leave
• Matched pension contributions
• Critical illness cover
• Employee Assistance Programme & mental health support
• Life assurance
• Matched pension contributions
• Leadership training for managers
• Volunteering day
• Give as you earn scheme for charitable donations
• Support for attending conferences and professional learning & development
• Discounts via Perkbox
• Cycle to work scheme
• Season ticket loan
• Electric car loan scheme
• Monthly socials & annual offsite

Diversity, Inclusion & Belonging at LendInvest

At LI we believe in bringing your whole selves to work, we are committed to a culture of belonging where individuals can form a genuine community. We are proud to be an equal opportunities employer and are committed to building a team that represents a variety of backgrounds, perspectives and skills.