ABOUT LENDABLE

Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 600 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)

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.

YOUR EXPERIENCE & SKILLS:

• Essential: Prior experience working with credit or debit card fraud, disputes, or chargebacks.
• Advantageous: Good working knowledge of scheme rules (especially Mastercard) and relevant regulatory standards in the UK and/or USA.
• Ability to confidently navigate and resolve complex customer scenarios with empathy and professionalism.
• Strong organisational and prioritisation skills, thriving in a fast-paced and change-driven environment.
• Digitally savvy and eager to embrace automation and new technologies.
• Detail-oriented and process-driven, with a knack for spotting inefficiencies and suggesting practical improvements.
• Excellent written and verbal English communication skills.

ABOUT THE ROLE:

As a Fraud & Disputes Specialist, you’ll be at the forefront of protecting our credit card customers and business from financial crime, playing a vital role in our Fraud and Financial Crime Team. You’ll have end-to-end ownership of complex investigations, making a direct impact on customer experience, and the effectiveness of our UK & US card products.

KEY RESPONSIBILITIES:

• End-to-End Case Ownership: Investigate and resolve complex third-party credit card fraud, consumer card disputes (including Section 75 claims), and chargebacks, ensuring meticulous accuracy and compliance with Mastercard guidelines.
• Customer-Centric Resolution: Communicate empathetically and clearly with customers throughout the process, managing challenging scenarios like account takeovers and scams with professionalism and sound judgment.
• Operational Excellence & Digital Adoption: Execute structured processes using our digital systems, proactively identifying trends and suggesting improvements to controls, workflows, and automation opportunities. You’ll be a champion for new technologies, helping us work smarter and faster.
• Continuous Learning: Stay ahead of emerging fraud typologies, regulatory changes, and new operational tools, sharing your expertise and contributing to a collaborative, improvement-focused team environment.