**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 ********
- 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**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
**About the role**:
We're looking for a hands-on, **customer-empathetic Credit Supervisor to own credit management, credit limit increases (CLI), and collections for our Mexico Credit Card**.
This is a founding role: you will build these frameworks and processes from the ground up.
The Lenda credit card is a mobile app-first product targeted at the credit builder segment in Mexico.




We empower customers to access the formal financial ecosystem and build their credit profile over time, while offering a versátil and responsible line of credit tailored to their needs.
What makes this role different from a traditional credit management role is that you think about the customer experience as a credit lever.
In a mobile-first, credit builder product, how customers experience the card — activation flows, payment reminders, limit increase offers — directly drives delinquency and engagement.
You will work closely with Product and Operations to ensure the customer journey and credit performance reinforce each other.
**We are looking for builders and doers that get things done.
**
In practice, this means being equally comfortable:
- Defining and managing CLI eligibility, timing, and quality assurance
- Designing collections strategies that balance recovery with customer empathy
- Diving into portfolio metrics, roll rates, and delinquency trends
- Collaborating with Product on customer-facing flows that influence credit behavior
- Coordinating with Data Science, Operations, Compliance, and Customer Support
- Driving operational excellence and automation within credit management processes
- Having a deep understanding of how post-acquisition performance impacts our P&L;
**What you'll be responsible for**
This role will cover all aspects of credit management and collections for our Mexico Credit Card, including:




- Owning portfolio performance post-acquisition: delinquency rates, roll rates, loss curves, profitability
- Designing and continuously improving the CLI framework — eligibility, timing, sizing, and quality assurance
- Building and leading the collections strategy: early-stage treatments, communication flows, escalation paths, recovery rates
- Monitoring management KPIs: DPD buckets, NPL rates, recovery rates, CLI uptake and performance
- Identifying behavioral signals that predict delinquency and building proactive intervention strategies
- Collaborating with Product on customer-facing flows (payment reminders, activation nudges, CLI offers) that influence credit behavior
- Supporting customers experiencing financial difficulty with responsible, empathy-driven solutions
- Working with Data Science to build and refine behavioral scoring and collections models
- Ensuring compliance with Mexican financial regulations for collections and customer treatment
- Improving operational efficiency through automation and tooling
You will have the freedom and responsibility to shape how credit is managed in Mexico from the ground up.
**How you'll work**
Credit leaders at Lendable work closely with Engineering, Data Science, Operations, Compliance, and Growth to ensure strong portfolio health and sustainable expansion.
It's your job to:
- Connect customer behavior patterns to portfolio risk outcomes
- Prioritize interventions based on impact on delinquency and profitability
- Balance commercial objectives with fair, empathy-driven customer outcomes
- Experiment with new collections treatments, measure, and iterate quickly
We encourage all our teams to think big, act fast, and continuously improve.
**Experience*

📌 Lead Customer Management & Collections (Xico)
🏢 Lendable
📍 Xico