Lending Operations Manager | Rapid Growth PE-backed fintech lender | London/Hybrid (London Area)

Lending Operations Manager | Rapid Growth PE-backed fintech lender | London/Hybrid (London Area)

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Lending Operations Manager | Rapid Growth PE-backed fintech lender | London/Hybrid

Harmonic are proud to be working with one of the UK’s most disruptive fintech lenders to recruit their first Lending Operations Manager.

Reporting directly into the Group Financial Controller, this is a unique opportunity to take ownership of core lending operations at the heart of a fast-scaling fintech. You will be the critical link between the finance, technology, and customer support teams, ensuring smooth, compliant, and customer-centric loan servicing across the platform.

This role covers the full spectrum of lending operations - from overseeing the loan management system and customer payment flows, to reconciliation of client money accounts, and being the subject matter expert for internal and external stakeholders on servicing and operational issues. You will operate as part of a very talented but lean team, working closely with engineering, product, risk, finance and customer service to deliver operational excellence and implement/improve systems and processes as the business scales.

The business currently employs 80 colleagues with this set to continue growing rapidly throughout 2026. this is a rare opportunity to build a Lending Ops function in a high growth fintech, working closely with leadership and investors, a superb platform for career progression

Office Space And Culture

• Beautiful zone 1 offices with great connections, surrounded by bars, shops and galleries
• Very customer-centric focus
• Diverse team and active social scene
  
  

• Own and optimise day-to-day loan servicing operations, including disbursements, interest application, and fee processing
• Partner with Product and Engineering to define, test, and implement improvements to the Loan Management System (LMS)
• Monitor loan data integrity and manage resolution of system or transactional discrepancies
• Oversee all customer payment operations - including Direct Debits, card payments, faster payments, and refunds
• Lead on identifying, documenting, and resolving payment failures and edge-case interventions
• Liaise with payment providers to monitor service levels, resolve issues, and ensure robust integrations
• Own the reconciliation of customer funds held in client money accounts, investigating breaks and ensuring audit readiness
• Ensure full compliance with client money regulations in coordination with finance and risk colleagues
• Act as the internal escalation point for customer servicing queries and payment issues raised by support teams
• Create and maintain process maps, training materials, and SOPs to support operational scalability
• Identify and address recurring operational pain points that affect customers or internal teams
  
  

• Experience in operations within a high-growth fintech, financial services, or technology-led business
• Exposure to loan servicing, payments, or financial operations is ideal—but not essential if you’ve scaled complex operational processes elsewhere
• Comfortable working with tech teams on system improvements or tooling, ideally with some familiarity in platforms like Loan Management Systems, CRMs, or payment gateways
• Strong analytical and reconciliation skills—experience working with client money, payment flows, or regulated funds is a bonus
• Understanding of compliance or regulatory frameworks in financial services (e.g. client money rules, FCA) is helpful but not mandatory
• Proactive and process-driven, with a strong bias toward documentation, scalability, and continuous improvement
• Excellent communication and stakeholder skills—able to build strong relationships across finance, tech, and customer-facing teams
  
  

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Management and Manufacturing

• Industries

  Software Development

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