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

1. Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
2. Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
3. Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

The Role

We're looking for a Credit & Commercial Manager to own credit strategy for this product — someone who understands the mechanics of secured lending end-to-end, from quote through to completion.

This is a foundational hire. You'll shape how we assess risk, price loans, and structure our credit policy, working closely with a small, senior cross-functional team spanning product, engineering, legal, and commercial. If you've spent years working in secured lending and want to help build something new rather than maintain something old, this is the role.

What You'll Do

• Define credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworks
• Own risk scoring and pricing — develop and refine scorecards, risk segmentation, and pricing models that balance volume with portfolio quality
• Drive growth whilst balancing risk — use analytic and credit judgment to drive growth through credit policy, work with the commercial team team to hit volume targets, and all whilst maintaining portfolio quality
• Own the IRR/NPV/cashflow models - ensure we understand the economics of the asset we’re booking, and drive changes where needed
• Design automated decisioning logic — translate credit policy into executable rules and decision trees that can be embedded in the platform, working with engineering to build the quickest, most automated secured product on the market
• Help shape funding strategy — collaborate with the Capital Markets team to inform investor parameters around LTV limits, property valuations, and portfolio concentration, translating these into practical credit policy
• Inform the property valuation and security process — ensure credit policy accounts for valuation methodology, panel management considerations, and charge registration requirements
• Monitor portfolio performance — track early indicators, refine strategy based on outcomes, and report to senior stakeholders
• Collaborate cross-functionally — work daily with product and engineering to embed credit decisioning into the platform, and with legal and compliance to ensure regulatory alignment (MCOB, Consumer Duty)
• Get stuck in — this is a small team building something from scratch. You'll be hands-on across the full credit lifecycle, not managing from a distance

What We're Looking For

• Deep experience in secured lending credit risk — you've worked on second charge mortgages or similar secured products (bridging, BTL, specialist residential) and understand the product inside out
• Strong knowledge of risk scoring and pricing — you've built or materially contributed to scorecards, pricing frameworks, or credit policy in a secured lending environment
• Understanding of funding and capital constraints — you know how LTV covenants, property valuations, and investor criteria shape what you can lend and to whom
• Commercial awareness and growth mindset — you understand that credit policy exists to enable lending, not prevent it. You think about accept rates, broker conversion, and competitive positioning alongside risk metrics
• Familiarity with the end-to-end secured lending process — from quote through to completion, including how valuation, legal, and land registry processes interact with credit decisions
• Analytical rigour — you're comfortable with data. SQL is required and Python experience is a plus, but what matters is that you think in numbers and can interrogate MI to drive decisions that lead to more good quality lending
• Regulatory awareness — working knowledge of MCOB and FCA requirements for second charge lending
• Experience designing for scale and automation — you understand how to structure underwriting policy as decision logic, scorecards, and rules that can be executed programmatically. You think in terms of tens of thousands of applications, not manual case-by-case review

About the job

Insignis is a growing FinTech company focused on empowering the cash savings market to maximise returns, diversify risk and provide security. We are expanding, making this a great opportunity for someone who wants to have a direct impact on our journey and to develop their career as the business evolves. You will join a team where your ideas are welcomed and valued.

The Senior Relationship Manager is a senior commercial role within the Banks & Building Societies team, responsible for managing strategic bank and building society partnerships, supporting network growth and helping shape Insignis' savings proposition. The role sits between the Relationship Director and the wider team, providing additional senior capacity, strengthening partner engagement and acting as deputy to the Relationship Director where required.

This is a unique opportunity for an experienced banking professional to combine relationship management, commercial leadership and product insight within a fast-growing fintech operating at the centre of the UK savings market.

The role is expected to operate with a high degree of autonomy and is viewed as a potential progression route into future leadership opportunities as the team and business continue to grow.

Role Responsibilities

• Own and deepen relationships with a strategic sub-portfolio of partner banks and building societies.
• Lead senior partner conversations on funding plans, pricing, share of wallet, product opportunities and relationship performance.
• Lead governance and relationship review meetings with partner banks and building societies.
• Develop and manage the bank pipeline, including cold outreach to deposit takers not currently on the panel.
• Prepare high-quality partner business cases, onboarding analysis and commercial recommendations.
• Use MI, savings flow analysis, forecasting, funding activity data and an understanding of operational processes to support partner discussions, internal decision-making and delivery.
• Act as senior escalation point for bank-related issues, coordinating with internal Insignis teams including Operations, Payments, Product, Data, Compliance and Legal where required.
• Support first-line risk and control activity, including audit evidence, due diligence, KYC/AML queries, regulatory queries and documentation maintenance.
• Deputise for the Relationship Director in governance, external banking partner and internal forums where appropriate.
• Mentor and support the development of colleagues across the Banks & Building Societies team.
• Take a hands-on approach to partner management and delivery, supporting governance, onboarding, issue resolution and operational processes where required.
• 
  

Requirements

• Minimum 10 years' experience within banking, savings, deposits, treasury, cash management, product management or broader financial services. Candidates may come from relationship management, commercial, product, treasury or other stakeholder-facing roles, provided they can demonstrate strong commercial judgement and experience working with financial institutions.
• Strong product experience, ideally in savings, with the ability to understand customer propositions, operational constraints, pricing mechanics, product governance and the trade-offs required to deliver commercial solutions through a platform model.
• Strong commercial judgement and credibility with senior internal and external stakeholders.
• Understanding of deposit pricing, bank funding requirements and liquidity considerations, with the ability to use data to support informed funding discussions.
• Strong analytical capability, including the ability to leverage modern technology and productivity tools to improve analysis, reporting and decision-making.
• Experience preparing or contributing to business cases, partner onboarding, governance packs or commercial proposals.
• Excellent written and verbal communication skills, with the judgement to represent the business externally, simplify complex product or operational matters for senior stakeholders, and influence across banks, internal teams and leadership forums.
• Good risk awareness and comfort operating in a regulated environment.
• High accountability, strong organisation and ability to progress multiple priorities without close supervision.

Demonstrable experience influencing and coordinating cross-functional teams to deliver partner and commercial outcomes.aWe’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

1. Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
2. Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
3. Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

The Role

We're looking for a Credit & Commercial Manager to own credit strategy for this product — someone who understands the mechanics of secured lending end-to-end, from quote through to completion.

This is a foundational hire. You'll shape how we assess risk, price loans, and structure our credit policy, working closely with a small, senior cross-functional team spanning product, engineering, legal, and commercial. If you've spent years working in secured lending and want to help build something new rather than maintain something old, this is the role.

What You'll Do

• Define credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworks
• Own risk scoring and pricing — develop and refine scorecards, risk segmentation, and pricing models that balance volume with portfolio quality
• Drive growth whilst balancing risk — use analytic and credit judgment to drive growth through credit policy, work with the commercial team team to hit volume targets, and all whilst maintaining portfolio quality
• Own the IRR/NPV/cashflow models - ensure we understand the economics of the asset we’re booking, and drive changes where needed
• Design automated decisioning logic — translate credit policy into executable rules and decision trees that can be embedded in the platform, working with engineering to build the quickest, most automated secured product on the market
• Help shape funding strategy — collaborate with the Capital Markets team to inform investor parameters around LTV limits, property valuations, and portfolio concentration, translating these into practical credit policy
• Inform the property valuation and security process — ensure credit policy accounts for valuation methodology, panel management considerations, and charge registration requirements
• Monitor portfolio performance — track early indicators, refine strategy based on outcomes, and report to senior stakeholders
• Collaborate cross-functionally — work daily with product and engineering to embed credit decisioning into the platform, and with legal and compliance to ensure regulatory alignment (MCOB, Consumer Duty)
• Get stuck in — this is a small team building something from scratch. You'll be hands-on across the full credit lifecycle, not managing from a distance

What We're Looking For

• Deep experience in secured lending credit risk — you've worked on second charge mortgages or similar secured products (bridging, BTL, specialist residential) and understand the product inside out
• Strong knowledge of risk scoring and pricing — you've built or materially contributed to scorecards, pricing frameworks, or credit policy in a secured lending environment
• Understanding of funding and capital constraints — you know how LTV covenants, property valuations, and investor criteria shape what you can lend and to whom
• Commercial awareness and growth mindset — you understand that credit policy exists to enable lending, not prevent it. You think about accept rates, broker conversion, and competitive positioning alongside risk metrics
• Familiarity with the end-to-end secured lending process — from quote through to completion, including how valuation, legal, and land registry processes interact with credit decisions
• Analytical rigour — you're comfortable with data. SQL is required and Python experience is a plus, but what matters is that you think in numbers and can interrogate MI to drive decisions that lead to more good quality lending
• Regulatory awareness — working knowledge of MCOB and FCA requirements for second charge lending
• Experience designing for scale and automation — you understand how to structure underwriting policy as decision logic, scorecards, and rules that can be executed programmatically. You think in terms of tens of thousands of applications, not manual case-by-case review
•