Compliance Monitoring Officer

As Compliance Monitoring Officer, you'll join Lendable's Compliance team to help ensure the firm meets its regulatory obligations and delivers good outcomes for customers. You'll design and deliver structured compliance monitoring reviews across the business, identifying risks and gaps, and working with stakeholders to track remediation to completion. This is a hands-on, detail-driven role for someone who understands consumer credit regulation and wants to build a strong second-line assurance function within a fast-moving fintech.

You'll report into the Compliance and Governance Manager, working closely with teams across the business as well as external bodies including the FCA and ICO.

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 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.

1. 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

2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

• Design terms of reference, testing logs, and comprehensive final reports for each monitoring review

• Present findings to senior management and drive agreed actions to completion

• Maintain accurate, audit-ready records across all stages of monitoring activity

• Review and validate the effectiveness of Quality Assurance work as second-line assurance

• Support regulatory reporting, horizon scanning, and ad hoc compliance advice requests

• Investigate and escalate potential breaches or unusual patterns to the right internal and external stakeholders

• 2+ years' experience in compliance monitoring within consumer credit, ideally including secured lending products

• Solid knowledge of financial services regulation (AML, KYC, GDPR, DISP, CONC, MCOB)

• Strong grounding in risk assessment methodologies and compliance monitoring techniques

• A 2:1 degree (finance, law, business, or related) plus 3 A-levels at grade B or above; ICA or similar a plus

• Sharp analytical skills with strong attention to detail and the ability to interpret data and spot patterns

• Excellent written and verbal communication, with the confidence to engage stakeholders at all levels

• Winning team: the opportunity to scale up one of the world's most successful fintech companies

• Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites

• Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls

• Health coverage: support for your physical and mental wellbeing, including private health cover

• Retirement & savings: long-term financial wellbeing through retirement savings plans

• Employee referral programme: earn a competitive bonus when you refer successful new team members

• Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations

• Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

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