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Lendable is a UK-based fintech unicorn (800+ employees, profitable since 2017) backed by Balderton Capital and Goldman Sachs. The company has rebuilt consumer finance products—loans, credit cards, and car finance—with technology that gets money to customers in minutes instead of days. They are expanding into the UK and US markets to disrupt legacy banking systems.
As a Fraud & Disputes Specialist, you will join the Fraud and Financial Crime Team, taking end-to-end ownership of complex investigations that protect customers and the business from financial crime. You'll work on credit card fraud cases, consumer disputes (including Section 75 claims), and chargebacks across UK and US card products.
Key responsibilities include:
- Investigating and resolving complex third-party credit card fraud, consumer disputes, and chargebacks with meticulous accuracy and compliance with Mastercard guidelines
- Communicating empathetically with customers throughout resolution processes, managing challenging scenarios like account takeovers and scams
- Executing structured processes using digital systems, identifying operational trends, and suggesting improvements to controls, workflows, and automation
- Staying current with emerging fraud typologies, regulatory changes, and new operational tools; sharing expertise with the team
You will work in a hybrid model (three days in-office weekly) within a small team of exceptional, resourceful people who challenge the status quo. The role offers the opportunity to make material impact from day one, work with cutting-edge technology including machine learning and AI, and contribute to scaling one of the world's most successful fintech companies.
Benefits include flexible working, private health cover, retirement savings plans, employee referral bonuses, complimentary lunches on in-office days, and sustainable commuting schemes (cycle-to-work, EV salary sacrifice).
REQUIREMENTS:
- 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; ability to thrive in fast-paced, change-driven environments
- Digitally savvy and eager to embrace automation and new technologies
- Detail-oriented and process-driven, with ability to spot inefficiencies and suggest practical improvements
- Excellent written and verbal English communication skills
- Customer-focused mindset with commitment to customer protection
- Proactive, solutions-oriented approach; openness to new methods and digital transformation
- Collaborative and constructive; maintains highest standards of confidentiality, integrity, and compliance
