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  • This week · 6
  • This quarter · 10
  • Big bets · 3
  • Wildcards · 2
Generated Oct 23, 2026
  1. Programmable
  2. Playbooks
  3. Lendable (Zable)
Lendable (Zable) logo

growth playbook · Oct 23, 2026

lendable.com (opens in a new tab)

Lendable (Zable) growth playbook

Diagnosis

Lendable is a profitable lender with more than 800 people and a strong reputation (5.0 on Trustpilot across more than 100,000 reviews, by its own job posts), now in what it calls "a major step-change" in marketing: a rebrand under Zable, a new CMO, direct mail at scale, affiliates and influencers, sponsorships, and paid launches in the US and Mexico.

The gap is the brand transition itself: lendable.com and lendable.co.uk still send loan seekers to the old brand, Autolend takes three redirects, customer numbers and representative examples differ between sites.

This playbook plans the migration and the consistency first, then builds measurement for mail and partners, onboarding, autopay and US creative testing, all routed through compliance.

Growth Score

8/10

Biggest Opportunity

Concentrate a decade of Lendable reputation, rankings and reviews behind Zable while the new channels scale.

Biggest Risk

Losing search traffic, reviews and trust in the rebrand, or scaling mail and partner channels faster than compliance and credit quality controls.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    Move lendable.co.uk into Zable without losing its rankings and its 100,000+ reviews

    List every lendable.co.uk and autolend.com URL with its traffic and its zable.co.uk destination.

    High impact First result in 1 quarter
  2. 2

    Make lendable.com the group front door: a country picker, careers and press

    Add the careers link and an H1.

    Medium impact First result in 2 weeks
  3. 3

    Say the same customer number everywhere

    Ask finance for the current customer count by market.

    Medium impact First result in 2 weeks

02

Your idea portfolio

21 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 7 ideas are marked Unexpected: plays you are unlikely to have tried.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 1Big bets · 11Fill-ins · 7Reconsider · 2
Effort →

Showing 21 of 21 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Lendable's job posts announce "a full rebrand of the company and product under the Zable brand", and zable.co.uk already sells the same personal loans with 218 pages. But the old front doors still point the other way: lendable.com tells loan seekers to "Go to www.lendable.co.uk", lists "Lendable Loans" as a product, and links Autolend to autolend.com, which takes three redirects to reach zable.co.uk/autolend. lendable.co.uk is a separate 15-page loan site with its own Trustpilot profile and award badge. Two loan sites from one lender split search authority, brand searches and social proof during the most expensive marketing push in the company's history.

    High impactMedium effort First result in 1 quarter CMO

    First action

    List every lendable.co.uk and autolend.com URL with its traffic and its zable.co.uk destination.

    How to measure it

    Combined organic loan sessions

    Now
    –
    Target
    No loss 3 months after the switch
    By
    2 quarters

    Steps

    1. 1

      Inventory

      All lendable.co.uk, autolend.com and lendable.com URLs and inbound links.

      SEO lead 1 week

    2. 2

      Map

      One zable.co.uk destination per URL, one hop each.

      SEO lead 1 week

    3. 3

      Reviews

      Agree with Trustpilot how the Lendable profile and reviews carry over.

      Senior Product Manager (CRM & Growth) 2 weeks

    4. 4

      Partners

      New links and assets for affiliates and comparison sites.

      Affiliate Marketing Executive 2 weeks

    5. 5

      Compliance review

      Every page, banner and message that changes.

      Compliance (financial promotions) 2 weeks

    6. 6

      Switch

      Redirects live, lendable.com links updated, Autolend chain shortened.

      Engineering lead 1 day

    7. 7

      Explain

      "Lendable is now Zable" note for returning customers.

      Senior Product Manager (CRM & Growth) 1 week

    8. 8

      Measure

      Organic, brand search and application starts weekly.

      SEO lead weekly

    First result
    1 quarter
    Cost
    Staff time
    Owner
    CMO

    Smallest test

    Fix the Autolend redirect chain and the lendable.com links this week.

    Why it works

    Write one migration plan: map every lendable.co.uk URL to its zable.co.uk equivalent with single-hop 301s, update lendable.com links and the Autolend redirect, move or link the Trustpilot reputation according to Trustpilot's rules for brand changes, update affiliate and aggregator links, and add a short "Lendable is now Zable" explanation where returning customers land. Run every customer-facing change past compliance before it goes live, and measure brand and loan search traffic before and after.

    Rebrands lose traffic when old URLs, partner links and reviews are left behind; a planned migration keeps the rankings and trust built under the Lendable name and puts all new paid, mail and partner spend behind one brand.

    Ready to use

    ChecklistLendable to Zable migration list

    [ ] URL inventory: lendable.co.uk, autolend.com, lendable.com
    [ ] One-hop 301 map to zable.co.uk
    [ ] Trustpilot brand change agreed
    [ ] Affiliate and comparison-site links updated
    [ ] Compliance sign-off on every changed page
    [ ] "Lendable is now Zable" note in app, email and site
    [ ] Brand search ads updated
    [ ] Daily monitoring for 30 days

    Risks and how to handle them

    • Traffic dips after the switch

      Single-hop 301s, keep old domains renewed, and monitor daily for a month.

    • Customers think it is a scam

      Announce the change in-app and by email before the switch.

    Evidence

    • HiringSenior Growth Manager (London, posted October 5, 2026): "a major step-change in our D2C marketing investment, a full rebrand of the company and product under the Zable brand, and a marketing function being built out at pace"; the role runs digital acquisition for "the US and Mexico" on "Meta, TikTok and Google Ads", "standing up channels from scratch" in "markets where there's no existing playbook".Source
    • Your websitelendable.com, October 22, 2026: one page, headed by a banner "Existing customer or looking for a loan? Go to www.lendable.co.uk"; it lists Zable App, "Lendable Loans" (linking to lendable.co.uk), Autolend (linking to autolend.com) and Zable cards and loans for the UK and US, and says the group is active "with our brands Lendable, Zable, Autolend, and Lenda". The page has no H1 heading and no social share image, and no link to careers or press.Source
    • Your websiteRedirects checked October 22, 2026: autolend.com goes to autolend.co.uk, then to zable.co.uk/autolend/, then to /autolend: three hops before the page loads.Source
    • Your websitelendable.co.uk still sells personal loans under the Lendable name ("Fast loans, fair rates", "100,000+ reviews on Trustpilot", "Best personal loan provider - British Bank Awards 2026", "We approve a new customer every 30 seconds") and links to its Trustpilot profile for lendable.co.uk; its sitemap lists 15 URLs and leaves out its own debt consolidation and car loan pages.Source
    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
  • 02

    lendable.com is a single page with no H1 heading and no share image, a banner aimed at UK loan seekers, and no link to careers, although the company has 69 open roles, or to press. It is the address investors, partners, journalists and candidates type.

    Medium impactLow effort First result in 2 weeks CMO

    First action

    Add the careers link and an H1.

    How to measure it

    Clicks through to careers

    Now
    –
    Target
    +50%
    By
    60 days

    Steps

    1. 1

      Write the H1

      Group positioning.

      CMO 1 day

    2. 2

      Add a share image

      Branded preview.

      Creative Designer 1 day

    3. 3

      Country picker

      UK and US.

      Engineering lead 2 days

    4. 4

      Careers link

      To the job board.

      Talent team 1 hour

    5. 5

      Press section

      Recent announcements.

      CMO 1 week

    6. 6

      Compliance check

      No product promotions without review.

      Compliance (financial promotions) 2 days

    First result
    2 weeks
    Cost
    $0
    Owner
    CMO

    Smallest test

    Add the careers link today.

    Why it works

    Add a clear H1 and share image, a UK/US choice that sends customers to zable.co.uk or zable.com, a careers link to the job board, and a short press and leadership section. Keep financial promotions off the corporate page or have compliance review them.

    The .com is the group's business card during a rebrand and a hiring push.

    Risks and how to handle them

    • Confuses customers

      Keep the customer choice at the top.

    Evidence

    • Your websitelendable.com, October 22, 2026: one page, headed by a banner "Existing customer or looking for a loan? Go to www.lendable.co.uk"; it lists Zable App, "Lendable Loans" (linking to lendable.co.uk), Autolend (linking to autolend.com) and Zable cards and loans for the UK and US, and says the group is active "with our brands Lendable, Zable, Autolend, and Lenda". The page has no H1 heading and no social share image, and no link to careers or press.Source
    • HiringThe Ashby board lists 69 open roles, 32 of them in Growth & Analytics, with offices in London, Chatham, Virginia, Mexico City and EU remote; every post says Lendable is "Profitable since 2017", has "over 800 people", is backed by Balderton Capital and Goldman Sachs, and has "rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance".Source
    • Google PageSpeedReal Chrome users on phones pass Core Web Vitals on all four sites: largest contentful paint at the 75th percentile is 1.0 s on lendable.com, 1.4 s on lendable.co.uk, 1.6 s on zable.co.uk and 1.6 s on zable.com. The lab test of lendable.com scores 63 with an 8.3 s largest contentful paint, mostly 2 MB of images, but real visitors are fast.Source
  • 03

    zable.com says "over 1 million happy customers worldwide", zable.co.uk "over 2 million Zable customers" and lendable.com "Millions of customers". Before a rebrand campaign, prospects and journalists will notice the different numbers.

    Medium impactLow effort First result in 2 weeks CMO

    First action

    Ask finance for the current customer count by market.

    How to measure it

    Sites with one number

    Now
    –
    Target
    4 of 4
    By
    30 days

    Steps

    1. 1

      Get the figure

      By market and total.

      Finance 3 days

    2. 2

      Agree wording

      With compliance.

      Compliance (financial promotions) 2 days

    3. 3

      Update sites

      All four.

      Engineering lead 2 days

    4. 4

      Update ads

      Creative library.

      Creative Designer 1 week

    5. 5

      Update job posts

      Company description.

      Talent team 1 day

    6. 6

      Review

      Quarterly.

      CMO quarterly

    First result
    2 weeks
    Cost
    $0
    Owner
    CMO

    Smallest test

    Pick one number for the UK sites.

    Why it works

    Agree one current, verifiable customer figure with finance and compliance, and use it on all sites, ads, press and job posts, with the date it was measured.

    Consistent proof builds trust; inconsistent numbers invite doubt.

    Risks and how to handle them

    • Numbers grow fast

      Use "over" with a dated figure and refresh quarterly.

    Evidence

    • Your websitezable.com (US): personal loans "Up to $35,000" and the Zable credit card, Trustpilot quotes on the homepage, and "We have served over 1 million happy customers worldwide"; lendable.com says "Millions of customers" and zable.co.uk "over 2 million Zable customers".Source
    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
    • Your websitelendable.com, October 22, 2026: one page, headed by a banner "Existing customer or looking for a loan? Go to www.lendable.co.uk"; it lists Zable App, "Lendable Loans" (linking to lendable.co.uk), Autolend (linking to autolend.com) and Zable cards and loans for the UK and US, and says the group is active "with our brands Lendable, Zable, Autolend, and Lenda". The page has no H1 heading and no social share image, and no link to careers or press.Source
  • 04

    For the same GBP 7,500 loan over 36 months, lendable.co.uk, the zable.co.uk homepage and zable.co.uk/loans each show a different representative example. Each may be correct for its own audience, but a shopper comparing Lendable and Zable pages from the same lender will see three versions.

    Medium impactLow effort First result in 1 quarter Compliance

    First action

    List every representative example live across sites and partner feeds.

    How to measure it

    Pages using the shared source

    Now
    –
    Target
    100%
    By
    1 quarter

    Steps

    1. 1

      Inventory

      All live representative examples.

      Compliance (financial promotions) 1 week

    2. 2

      Decide

      Which audience each applies to.

      Compliance (financial promotions) 1 week

    3. 3

      Build the source

      One feed for sites and partners.

      Engineering lead 2 weeks

    4. 4

      Connect sites

      Pull from the feed.

      Engineering lead 2 weeks

    5. 5

      Brief partners

      Affiliates and mail use the feed.

      Affiliate Marketing Executive 2 weeks

    6. 6

      Audit

      Monthly check of live pages.

      Compliance (financial promotions) monthly

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Compliance (financial promotions)

    Smallest test

    Inventory the three loan pages this week.

    Why it works

    Hold every representative example and eligibility statement in one compliance-owned source that all sites, affiliates and mail packs pull from, with a record of which audience each applies to, and review them together before the rebrand campaign.

    Consistency protects trust and makes approvals faster as the number of channels, partners and creatives grows.

    Risks and how to handle them

    • Slows marketing

      Pre-approved templates for common formats.

    Evidence

    • Your websiteRepresentative examples for the same GBP 7,500 loan over 36 months differ between lendable.co.uk, the zable.co.uk homepage and zable.co.uk/loans (three different representative APRs, monthly payments and totals on October 22, 2026), all from Lendable Ltd (FCA reference 720261).Source
    • Your websitelendable.co.uk still sells personal loans under the Lendable name ("Fast loans, fair rates", "100,000+ reviews on Trustpilot", "Best personal loan provider - British Bank Awards 2026", "We approve a new customer every 30 seconds") and links to its Trustpilot profile for lendable.co.uk; its sitemap lists 15 URLs and leaves out its own debt consolidation and car loan pages.Source
    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
    • HiringAffiliate Marketing Executive (posted September 21, 2026), under "a newly-appointed CMO": "Finding and signing new affiliate and influencer partners is the core of our growth engine going forward"; CPA or fixed-fee deals "structured so every partnership delivers measurable, incremental customer acquisition". The Growth Partnership Executive (September 11) runs "sponsorship activations end-to-end" under a Head of Growth Partnerships being hired in parallel.Source
  • 05

    People who know Lendable from mail, friends or reviews will keep searching for "Lendable" for months after the rebrand. If the results show old pages, comparison sites or rivals first, the rebrand pays for clicks it has already earned.

    Medium impactLow effort First result in 2 weeks Performance Marketer

    First action

    Check who appears today for "Lendable loans".

    How to measure it

    Click share on "Lendable" terms

    Now
    –
    Target
    Above 90%
    By
    2 quarters

    Steps

    1. 1

      Baseline

      Brand search volume and share.

      Performance Marketer 1 day

    2. 2

      Write ads

      "Lendable is now Zable" copy.

      Performance Marketer 2 days

    3. 3

      Compliance

      Review ads.

      Compliance (financial promotions) 2 days

    4. 4

      Launch

      Brand campaigns.

      Performance Marketer 1 day

    5. 5

      Monitor

      Rival bidding.

      Performance Marketer weekly

    6. 6

      Report

      Both names weekly.

      Performance Marketer weekly

    First result
    2 weeks
    Cost
    Small ad spend
    Owner
    Performance Marketer

    Smallest test

    Launch one brand ad group.

    Why it works

    Keep brand campaigns on "Lendable" terms with compliant ad copy explaining that Lendable is now Zable, watch rivals bidding on the name, and track brand search volume for both names weekly.

    Brand searchers are the cheapest applications; keeping them through a rename is pure margin.

    Risks and how to handle them

    • Paying for clicks you would get anyway

      Test holding back in one region.

    Evidence

    • HiringSenior Growth Manager (London, posted October 5, 2026): "a major step-change in our D2C marketing investment, a full rebrand of the company and product under the Zable brand, and a marketing function being built out at pace"; the role runs digital acquisition for "the US and Mexico" on "Meta, TikTok and Google Ads", "standing up channels from scratch" in "markets where there's no existing playbook".Source
    • Your websitelendable.co.uk still sells personal loans under the Lendable name ("Fast loans, fair rates", "100,000+ reviews on Trustpilot", "Best personal loan provider - British Bank Awards 2026", "We approve a new customer every 30 seconds") and links to its Trustpilot profile for lendable.co.uk; its sitemap lists 15 URLs and leaves out its own debt consolidation and car loan pages.Source
    • Competitor researchRivals' own homepages: Aqua (NewDay), "Credit Cards For Bad Credit to Improve Your Credit Score"; Capital One UK, "classic, credit builder, balance transfers and credit cards for bad credit. Check eligibility with no impact on your credit score"; Vanquis, "the bank that's got your back"; in the US, Upstart, personal loans and debt consolidation.Source
  • 06

    Rebrands are a gift to fraudsters: emails saying "Lendable is now Zable, log in here" look plausible. Lendable already runs a fraud awareness page and says it never asks for fees before paying out a loan.

    Medium impactLow effort First result in 1 month Senior Product Manager

    First action

    Draft the customer notice with sender domains.

    How to measure it

    Fraud reports mentioning the rebrand

    Now
    –
    Target
    Down vs baseline
    By
    1 quarter

    Steps

    1. 1

      Draft notice

      In-app and email.

      Senior Product Manager (CRM & Growth) 3 days

    2. 2

      Update fraud page

      Both sites.

      Fraud team 2 days

    3. 3

      Brief service

      Scripts.

      Customer service lead 2 days

    4. 4

      Check sender setup

      Domains and authentication.

      Senior Product Manager (CRM & Growth) 1 week

    5. 5

      Send

      Before the switch.

      Senior Product Manager (CRM & Growth) 1 day

    6. 6

      Monitor

      Reports weekly.

      Fraud team weekly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Senior Product Manager (CRM & Growth)

    Smallest test

    Add a rebrand note to the fraud awareness page.

    Why it works

    Tell customers in-app and by email exactly how the change will look (sender domains, what will never be asked), update the fraud awareness page on both sites, and brief customer service with a script.

    Getting ahead of scams protects customers and the reviews the CRM team cares about.

    Risks and how to handle them

    • Notice itself looks like a scam

      No links; send people to the app.

    Evidence

    • HiringSenior Product Manager (CRM & Growth) (posted October 20, 2026): "a 5.0 Trustpilot rating across more than 100,000 reviews sets a high bar"; owns "onboarding, engagement, retention and reactivation", "Messaging reliability, deliverability and platform integrations".Source
    • Your websitelendable.co.uk still sells personal loans under the Lendable name ("Fast loans, fair rates", "100,000+ reviews on Trustpilot", "Best personal loan provider - British Bank Awards 2026", "We approve a new customer every 30 seconds") and links to its Trustpilot profile for lendable.co.uk; its sitemap lists 15 URLs and leaves out its own debt consolidation and car loan pages.Source
    • HiringSenior Growth Manager (London, posted October 5, 2026): "a major step-change in our D2C marketing investment, a full rebrand of the company and product under the Zable brand, and a marketing function being built out at pace"; the role runs digital acquisition for "the US and Mexico" on "Meta, TikTok and Google Ads", "standing up channels from scratch" in "markets where there's no existing playbook".Source

This quarter 10

The core plays for the next three months.

  • 07

    Direct mail is to become a "scaled, precise, and defensible growth engine" held to CAC and LTV targets. That only works if each pack, offer and audience can be tied to applications and funded loans.

    High impactMedium effort First result in 1 quarter Head of Direct Marketing

    First action

    Set up codes for the next mailing.

    How to measure it

    Mail CAC

    Now
    –
    Target
    -20%
    By
    3 quarters

    Steps

    1. 1

      Design cells

      Audience and offer.

      Head of Direct Marketing 2 weeks

    2. 2

      Codes and URLs

      Per cell.

      Direct Mail Growth Manager 1 week

    3. 3

      Landing pages

      Compliance-approved.

      Compliance (financial promotions) 2 weeks

    4. 4

      Match-back

      Applications to the file.

      Strategy Analytics Manager 1 month

    5. 5

      Report

      Per cell.

      Direct Mail Growth Manager monthly

    6. 6

      Feed models

      Response data.

      Data Scientist monthly

    First result
    1 quarter
    Cost
    Print and data costs
    Owner
    Head of Direct Marketing

    Smallest test

    Run codes on one mailing.

    Why it works

    Give each cell a unique short URL and code leading to the eligibility check, match applications back to the mailed file (including people who search instead), and report response, funded rate, CAC and early performance per cell.

    Accurate attribution decides who gets mailed next and lets the selection models learn.

    Risks and how to handle them

    • Code entry is low

      Match on name and address too.

    Evidence

    • HiringHead of Direct Marketing (posted October 9, 2026) and Head of Direct Mail and Direct Mail Growth Manager (both September 29, 2026): Direct Mail is "one of our highest-potential channels", to become "a scaled, precise, and defensible growth engine"; the lead decides "who we mail, with what offer and when", commissions "selection and response models", sources "the data pipeline and user-data enrichment", holds "every campaign to CAC and LTV targets", and may "extend into other formats".Source
    • HiringProduct Manager (UK Loans) (posted October 22, 2026): owns "our onboarding journey end-to-end focusing on improving conversion across our web and app journeys" and "the origination funnel, particularly focusing on direct lending".Source
    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
  • 08

    Many people who respond to mail would have applied anyway. Lendable wants every campaign held to CAC targets and "measurable, incremental" acquisition.

    High impactMedium effort First result in 2 quarters Head of Direct Marketing

    First action

    Add a 10% holdout to the next campaign.

    How to measure it

    Incremental funded per 1,000

    Now
    –
    Target
    Measured for every campaign
    By
    2 quarters

    Steps

    1. 1

      Design holdout

      10% random.

      Direct Mail Growth Manager 1 week

    2. 2

      Run

      Next campaign.

      Direct Mail Growth Manager 1 month

    3. 3

      Compare

      Mailed vs held back.

      Strategy Analytics Manager 1 month

    4. 4

      Report

      Incremental CAC.

      Direct Mail Growth Manager monthly

    5. 5

      Change models

      Target incremental response.

      Data Scientist 1 quarter

    6. 6

      Repeat

      Every campaign.

      Head of Direct Marketing ongoing

    First result
    2 quarters
    Cost
    Lost response from holdout
    Owner
    Head of Direct Marketing

    Smallest test

    Hold out 10% once.

    Why it works

    Hold back a random slice of each selected file, compare applications and funded loans between mailed and held-back people, and pay for mail on incremental results.

    It shows the true value of mail and stops spend on people who would come anyway.

    Risks and how to handle them

    • Small samples

      Pool campaigns.

    Evidence

    • HiringHead of Direct Marketing (posted October 9, 2026) and Head of Direct Mail and Direct Mail Growth Manager (both September 29, 2026): Direct Mail is "one of our highest-potential channels", to become "a scaled, precise, and defensible growth engine"; the lead decides "who we mail, with what offer and when", commissions "selection and response models", sources "the data pipeline and user-data enrichment", holds "every campaign to CAC and LTV targets", and may "extend into other formats".Source
    • HiringAffiliate Marketing Executive (posted September 21, 2026), under "a newly-appointed CMO": "Finding and signing new affiliate and influencer partners is the core of our growth engine going forward"; CPA or fixed-fee deals "structured so every partnership delivers measurable, incremental customer acquisition". The Growth Partnership Executive (September 11) runs "sponsorship activations end-to-end" under a Head of Growth Partnerships being hired in parallel.Source
  • 09

    Mailing cold prospects at scale means some packs will reach people in financial difficulty, existing customers or recent applicants. Lendable's brand rests on a 5.0 Trustpilot rating and responsible lending.

    High impactLow effort First result in 1 quarter Head of Direct Marketing

    First action

    Write the suppression list for the next mailing.

    How to measure it

    Mail complaints

    Now
    –
    Target
    Down 30%
    By
    2 quarters

    Steps

    1. 1

      List rules

      With compliance and credit.

      Compliance (financial promotions) 2 weeks

    2. 2

      Build files

      Suppression sources.

      Data Engineer 2 weeks

    3. 3

      Apply

      Before every print.

      Direct Mail Growth Manager ongoing

    4. 4

      Audit

      Sample checks.

      Compliance (financial promotions) monthly

    5. 5

      Track

      Complaints and returns.

      Direct Mail Growth Manager monthly

    6. 6

      Review

      Quarterly.

      Head of Direct Marketing quarterly

    First result
    1 quarter
    Cost
    Data costs
    Owner
    Head of Direct Marketing

    Smallest test

    Suppress recent declines on the next mailing.

    Why it works

    Agree suppression rules with compliance and credit risk (existing customers, recent declines, people in collections or with vulnerability flags, opt-outs) and apply them to every file before printing.

    Better suppression cuts waste and complaints and protects the brand the rebrand is building.

    Risks and how to handle them

    • Over-suppressing

      Review rules with response data.

    Evidence

    • HiringHead of Direct Marketing (posted October 9, 2026) and Head of Direct Mail and Direct Mail Growth Manager (both September 29, 2026): Direct Mail is "one of our highest-potential channels", to become "a scaled, precise, and defensible growth engine"; the lead decides "who we mail, with what offer and when", commissions "selection and response models", sources "the data pipeline and user-data enrichment", holds "every campaign to CAC and LTV targets", and may "extend into other formats".Source
    • HiringSenior Product Manager (CRM & Growth) (posted October 20, 2026): "a 5.0 Trustpilot rating across more than 100,000 reviews sets a high bar"; owns "onboarding, engagement, retention and reactivation", "Messaging reliability, deliverability and platform integrations".Source
    • HiringProduct Manager (US Cards) (posted October 2, 2026): "our run rate grew more than 20x in the last six months"; the next stage is "helping them pay on time, giving more credit to the ones who earn it, getting people back on track when they fall behind", with experiments on "how and when we remind people to pay, what gets them to set up autopay". Senior PMs for US Cards are also open in London and Virginia.Source
  • 10

    The new affiliate role is about signing partners that deliver "measurable, incremental customer acquisition". Leads and applications vary widely in quality between partners.

    High impactMedium effort First result in 1 quarter Affiliate Marketing Executive

    First action

    Pull funded rate and early arrears by partner for last quarter.

    How to measure it

    Funded rate of affiliate applications

    Now
    –
    Target
    +15%
    By
    2 quarters

    Steps

    1. 1

      Pull data

      By partner.

      Strategy Analytics Manager 2 weeks

    2. 2

      Build scorecard

      Five measures.

      Affiliate Marketing Executive 1 week

    3. 3

      Change terms

      CPA on funded.

      Affiliate Marketing Executive 1 quarter

    4. 4

      Review monthly

      With partners.

      Affiliate Marketing Executive monthly

    5. 5

      Prune

      Low-quality partners.

      Head of Growth Partnerships quarterly

    6. 6

      Sign new

      Similar to the best.

      Affiliate Marketing Executive ongoing

    First result
    1 quarter
    Cost
    Staff time
    Owner
    Affiliate Marketing Executive

    Smallest test

    Score the top ten partners.

    Why it works

    Build a partner scorecard: applications, funded rate, early arrears, complaints and incrementality per partner; pay CPA on funded customers and review partners monthly.

    Paying for quality improves unit economics and keeps the credit book healthy.

    Risks and how to handle them

    • Partners push back

      Share the data and offer higher CPA for quality.

    Evidence

    • HiringAffiliate Marketing Executive (posted September 21, 2026), under "a newly-appointed CMO": "Finding and signing new affiliate and influencer partners is the core of our growth engine going forward"; CPA or fixed-fee deals "structured so every partnership delivers measurable, incremental customer acquisition". The Growth Partnership Executive (September 11) runs "sponsorship activations end-to-end" under a Head of Growth Partnerships being hired in parallel.Source
    • HiringHead of Direct Marketing (posted October 9, 2026) and Head of Direct Mail and Direct Mail Growth Manager (both September 29, 2026): Direct Mail is "one of our highest-potential channels", to become "a scaled, precise, and defensible growth engine"; the lead decides "who we mail, with what offer and when", commissions "selection and response models", sources "the data pipeline and user-data enrichment", holds "every campaign to CAC and LTV targets", and may "extend into other formats".Source
    • HiringProduct Manager (US Cards) (posted October 2, 2026): "our run rate grew more than 20x in the last six months"; the next stage is "helping them pay on time, giving more credit to the ones who earn it, getting people back on track when they fall behind", with experiments on "how and when we remind people to pay, what gets them to set up autopay". Senior PMs for US Cards are also open in London and Virginia.Source
  • 11

    Influencers are now part of the growth engine, and credit promotions on social media need compliance approval. Slow approvals stall creator deals.

    Medium impactLow effort First result in 1 quarter Affiliate Marketing Executive

    First action

    Write the first five approved claims.

    How to measure it

    Approval time

    Now
    –
    Target
    Under 3 days
    By
    1 quarter

    Steps

    1. 1

      Write claims

      With compliance.

      Compliance (financial promotions) 2 weeks

    2. 2

      Make the kit

      Examples and wording.

      Creative Designer 1 week

    3. 3

      Fast route

      Review queue.

      Compliance (financial promotions) 1 week

    4. 4

      Brief creators

      Every new partner.

      Affiliate Marketing Executive ongoing

    5. 5

      Log posts

      All live content.

      Affiliate Marketing Executive ongoing

    6. 6

      Audit

      Monthly.

      Compliance (financial promotions) monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Affiliate Marketing Executive

    Smallest test

    Run one creator through the kit.

    Why it works

    Build a kit with pre-approved claims, required wording and examples, a fast review route, and a log of every live post, so creators can publish quickly and compliance can audit.

    Speed and safety together let the influencer channel scale.

    Risks and how to handle them

    • Off-script posts

      Contract terms and monitoring.

    Evidence

    • HiringAffiliate Marketing Executive (posted September 21, 2026), under "a newly-appointed CMO": "Finding and signing new affiliate and influencer partners is the core of our growth engine going forward"; CPA or fixed-fee deals "structured so every partnership delivers measurable, incremental customer acquisition". The Growth Partnership Executive (September 11) runs "sponsorship activations end-to-end" under a Head of Growth Partnerships being hired in parallel.Source
    • HiringCreative hiring: a Creative Designer (posted July 23, 2026) for "a growing creative pod" producing "brand and campaign work across Zable" from "rebrand applications through to large-scale campaigns", across "OOH, print and digital"; a Performance Creative and a Performance Marketer for paid social.Source
    • Your websiteRepresentative examples for the same GBP 7,500 loan over 36 months differ between lendable.co.uk, the zable.co.uk homepage and zable.co.uk/loans (three different representative APRs, monthly payments and totals on October 22, 2026), all from Lendable Ltd (FCA reference 720261).Source
  • 12

    Zable offers far more than credit: rent reporting, a free credit score, spend tracking, utility switching and mobile plans. The CRM PM owns onboarding and engagement.

    High impactMedium effort First result in 1 quarter Senior Product Manager

    First action

    Map which free tools new customers use today.

    How to measure it

    Second-feature adoption in 60 days

    Now
    –
    Target
    40%
    By
    2 quarters

    Steps

    1. 1

      Baseline

      Feature use by cohort.

      Senior Product Manager (CRM & Growth) 1 week

    2. 2

      Design

      One tool at a time.

      Senior Product Manager (CRM & Growth) 2 weeks

    3. 3

      Build

      Messages and in-app cards.

      Senior Product Manager (CRM & Growth) 1 month

    4. 4

      Compliance review

      All messages.

      Compliance (financial promotions) 1 week

    5. 5

      Launch

      New customers.

      Senior Product Manager (CRM & Growth) 1 week

    6. 6

      Measure

      Engagement and retention.

      Strategy Analytics Manager monthly

    First result
    1 quarter
    Cost
    Staff time
    Owner
    Senior Product Manager (CRM & Growth)

    Smallest test

    Send the rent reporting message to new renters.

    Why it works

    Build a first-60-days journey that introduces one tool at a time based on what each customer would use (renters get rent reporting, card customers get spend tracking), and measure app engagement and retention.

    Customers who use more of the app stay longer and come back for the next product.

    Risks and how to handle them

    • Too many messages

      Cap frequency.

    Evidence

    • HiringSenior Product Manager (CRM & Growth) (posted October 20, 2026): "a 5.0 Trustpilot rating across more than 100,000 reviews sets a high bar"; owns "onboarding, engagement, retention and reactivation", "Messaging reliability, deliverability and platform integrations".Source
    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
    • HiringProduct Manager (US Cards) (posted October 2, 2026): "our run rate grew more than 20x in the last six months"; the next stage is "helping them pay on time, giving more credit to the ones who earn it, getting people back on track when they fall behind", with experiments on "how and when we remind people to pay, what gets them to set up autopay". Senior PMs for US Cards are also open in London and Virginia.Source
  • 13

    The UK Loans PM owns onboarding conversion across web and app, and Zable already invites applicants to share their banking history. Where and how that step appears changes both completion and decision quality.

    High impactMedium effort First result in 1 quarter Product Manager

    First action

    Map drop-off at each application step.

    How to measure it

    Completion rate

    Now
    –
    Target
    +5 points
    By
    2 quarters

    Steps

    1. 1

      Map the funnel

      Drop-off by step.

      Product Manager (UK Loans) 1 week

    2. 2

      Design variants

      Placement and wording.

      Product Manager (UK Loans) 2 weeks

    3. 3

      Compliance review

      Wording.

      Compliance (financial promotions) 1 week

    4. 4

      Run test

      Web and app.

      Product Manager (UK Loans) 1 month

    5. 5

      Check credit

      Early performance.

      Credit Risk Manager 1 quarter

    6. 6

      Roll out

      Winner.

      Product Manager (UK Loans) 1 week

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Product Manager (UK Loans)

    Smallest test

    Test one wording change.

    Why it works

    A/B test the placement and wording of the open banking step (before or after the quote, optional or suggested), and measure completion, funded rate and early performance.

    Small funnel changes on high volume move origination materially.

    Risks and how to handle them

    • Higher completion, weaker loans

      Judge on funded and performing loans.

    Evidence

    • HiringProduct Manager (UK Loans) (posted October 22, 2026): owns "our onboarding journey end-to-end focusing on improving conversion across our web and app journeys" and "the origination funnel, particularly focusing on direct lending".Source
    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
  • 14

    The US card business grew more than 20x in six months, and the PM role names autopay and payment reminders as the next experiments.

    High impactMedium effort First result in 1 quarter Product Manager

    First action

    Measure autopay take-up by signup week.

    How to measure it

    Autopay in first 30 days

    Now
    –
    Target
    +15 points
    By
    2 quarters

    Steps

    1. 1

      Baseline

      Take-up today.

      Product Manager (US Cards) 1 week

    2. 2

      Design prompts

      Three moments.

      Product Manager (US Cards) 2 weeks

    3. 3

      Compliance review

      US wording.

      Compliance (financial promotions) 1 week

    4. 4

      Run tests

      In the app.

      Product Manager (US Cards) 1 month

    5. 5

      Track

      Missed payments.

      Credit Risk Manager monthly

    6. 6

      Roll out

      Winner.

      Product Manager (US Cards) 1 week

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Product Manager (US Cards)

    Smallest test

    Add one prompt at activation.

    Why it works

    Test autopay prompts at activation, after the first statement and after the first on-time payment, with clear wording about minimum or full payment, and track missed payments.

    Autopay customers miss fewer payments, which helps customers and the book.

    Risks and how to handle them

    • Overdrafts from autopay

      Offer minimum-payment autopay and reminders.

    Evidence

    • HiringProduct Manager (US Cards) (posted October 2, 2026): "our run rate grew more than 20x in the last six months"; the next stage is "helping them pay on time, giving more credit to the ones who earn it, getting people back on track when they fall behind", with experiments on "how and when we remind people to pay, what gets them to set up autopay". Senior PMs for US Cards are also open in London and Virginia.Source
    • Your websitezable.com (US): personal loans "Up to $35,000" and the Zable credit card, Trustpilot quotes on the homepage, and "We have served over 1 million happy customers worldwide"; lendable.com says "Millions of customers" and zable.co.uk "over 2 million Zable customers".Source
  • 15

    The Senior Growth Manager will stand up Meta, TikTok and Google channels from scratch in two new markets, and the creative pod is growing.

    High impactMedium effort First result in 1 quarter Senior Growth Manager

    First action

    Set kill and scale rules for the first month.

    How to measure it

    US paid CAC

    Now
    –
    Target
    -25%
    By
    2 quarters

    Steps

    1. 1

      Set rules

      Kill and scale.

      Senior Growth Manager 1 week

    2. 2

      Make concepts

      Five per market weekly.

      Performance Creative weekly

    3. 3

      Compliance

      Local review.

      Compliance (financial promotions) weekly

    4. 4

      Run tests

      Fixed budget.

      Senior Growth Manager weekly

    5. 5

      Log results

      Shared library.

      Senior Growth Manager weekly

    6. 6

      Scale winners

      Across channels.

      Senior Growth Manager ongoing

    First result
    1 quarter
    Cost
    Test budget
    Owner
    Senior Growth Manager

    Smallest test

    Run one week of tests in the US.

    Why it works

    Run a weekly cycle: five new concepts per market, a fixed test budget, kill or scale rules on cost per funded customer, and a shared library of what worked. Include Spanish-language creative for Mexico and US Spanish speakers, reviewed for local rules.

    A system finds winners faster than one-off campaigns in markets without history.

    Risks and how to handle them

    • Local rules differ

      Separate review for each country.

    Evidence

    • HiringSenior Growth Manager (London, posted October 5, 2026): "a major step-change in our D2C marketing investment, a full rebrand of the company and product under the Zable brand, and a marketing function being built out at pace"; the role runs digital acquisition for "the US and Mexico" on "Meta, TikTok and Google Ads", "standing up channels from scratch" in "markets where there's no existing playbook".Source
    • HiringCreative hiring: a Creative Designer (posted July 23, 2026) for "a growing creative pod" producing "brand and campaign work across Zable" from "rebrand applications through to large-scale campaigns", across "OOH, print and digital"; a Performance Creative and a Performance Marketer for paid social.Source
    • Your websitezable.com (US): personal loans "Up to $35,000" and the Zable credit card, Trustpilot quotes on the homepage, and "We have served over 1 million happy customers worldwide"; lendable.com says "Millions of customers" and zable.co.uk "over 2 million Zable customers".Source
  • 16

    Zable's Switch & Save refinances car finance and helps "break up your balloon payment". People approaching a balloon payment search for help months ahead.

    Medium impactMedium effort First result in 1 quarter SEO lead

    First action

    Research what people search about balloon payments.

    How to measure it

    Content-sourced applications

    Now
    –
    Target
    500 a month
    By
    3 quarters

    Steps

    1. 1

      Research

      Search terms.

      SEO lead 1 week

    2. 2

      Write guides

      Balanced options.

      SEO lead 1 month

    3. 3

      Build calculator

      Simple.

      Engineering lead 1 month

    4. 4

      Compliance review

      All pages.

      Compliance (financial promotions) 2 weeks

    5. 5

      Publish

      Under zable.co.uk.

      SEO lead 1 week

    6. 6

      Measure

      Traffic and starts.

      SEO lead monthly

    First result
    1 quarter
    Cost
    Writing time
    Owner
    SEO lead

    Smallest test

    Publish one guide.

    Why it works

    Publish clear guides on balloon payments and options (pay, refinance, return, part-exchange), with a calculator and a compliant route to Switch & Save, and target those searches.

    Helpful content at a stressful moment builds trust and intent.

    Risks and how to handle them

    • Seen as pushing debt

      Present all options fairly.

    Evidence

    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
    • Your websiteRedirects checked October 22, 2026: autolend.com goes to autolend.co.uk, then to zable.co.uk/autolend/, then to /autolend: three hops before the page loads.Source

Big bets 3

Larger plays that can change the trajectory.

  • 17

    Lendable aims to "help people get credit and save money"; the US team talks about "giving more credit to the ones who earn it", and Zable offers credit scores and rent reporting.

    High impactHigh effort First result in 4 quarters Senior Product Manager

    First action

    Define milestones with credit risk.

    How to measure it

    Monthly users of the view

    Now
    –
    Target
    50%
    By
    4 quarters

    Steps

    1. 1

      Define milestones

      With credit risk.

      Credit Risk Manager 1 month

    2. 2

      Design

      Progress view.

      Senior Product Designer 1 month

    3. 3

      Build

      App feature.

      Senior Product Manager (CRM & Growth) 1 quarter

    4. 4

      Compliance review

      All wording.

      Compliance (financial promotions) 1 month

    5. 5

      Launch

      UK then US.

      Senior Product Manager (CRM & Growth) 1 month

    6. 6

      Measure

      Engagement and repayment.

      Strategy Analytics Manager quarterly

    First result
    4 quarters
    Cost
    Product time
    Owner
    Senior Product Manager (CRM & Growth)

    Smallest test

    Show on-time payment streaks in the app.

    Why it works

    Build a progress view: payments on time, credit score trend, and what has improved, with existing products surfaced only when a customer becomes eligible under credit policy. Measure engagement and repayment.

    Progress keeps customers engaged and paying, and graduates them within Zable instead of to a rival.

    Risks and how to handle them

    • Seen as encouraging borrowing

      Focus on progress, not offers.

    Evidence

    • HiringProduct Manager (US Cards) (posted October 2, 2026): "our run rate grew more than 20x in the last six months"; the next stage is "helping them pay on time, giving more credit to the ones who earn it, getting people back on track when they fall behind", with experiments on "how and when we remind people to pay, what gets them to set up autopay". Senior PMs for US Cards are also open in London and Virginia.Source
    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
    • HiringSenior Product Manager (CRM & Growth) (posted October 20, 2026): "a 5.0 Trustpilot rating across more than 100,000 reviews sets a high bar"; owns "onboarding, engagement, retention and reactivation", "Messaging reliability, deliverability and platform integrations".Source
  • 18

    Lendable has served millions of borrowers and a decade of applications. Aggregated, that is a picture of who can get credit in the UK.

    High impactMedium effort First result in 3 quarters CMO

    First action

    Pick five questions journalists ask about credit.

    How to measure it

    Articles citing the report

    Now
    –
    Target
    50
    By
    1 year

    Steps

    1. 1

      Pick questions

      Five.

      CMO 1 week

    2. 2

      Analyse

      Aggregated data.

      Strategy Analytics Manager 2 months

    3. 3

      Privacy review

      No individual data.

      Data protection 1 month

    4. 4

      Compliance review

      Claims.

      Compliance (financial promotions) 1 month

    5. 5

      Publish

      Report and charts.

      CMO 1 month

    6. 6

      Pitch

      Press.

      PR lead 1 month

    First result
    3 quarters
    Cost
    Analyst time
    Owner
    CMO

    Smallest test

    Publish one chart.

    Why it works

    Publish anonymised, aggregated trends (approval patterns by age band and region, effect of rent reporting, cost of borrowing trends), reviewed by compliance and data protection, and launch with the rebrand.

    Original data earns press and links and positions Zable as the expert on fair credit.

    Risks and how to handle them

    • Misread statistics

      Clear methods section.

    Evidence

    • HiringThe Ashby board lists 69 open roles, 32 of them in Growth & Analytics, with offices in London, Chatham, Virginia, Mexico City and EU remote; every post says Lendable is "Profitable since 2017", has "over 800 people", is backed by Balderton Capital and Goldman Sachs, and has "rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance".Source
    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
    • HiringSenior Growth Manager (London, posted October 5, 2026): "a major step-change in our D2C marketing investment, a full rebrand of the company and product under the Zable brand, and a marketing function being built out at pace"; the role runs digital acquisition for "the US and Mexico" on "Meta, TikTok and Google Ads", "standing up channels from scratch" in "markets where there's no existing playbook".Source
  • 19

    Zable offers rent reporting to improve credit scores, and the new partnerships team is looking for growth partners.

    High impactHigh effort First result in 4 quarters Head of Growth Partnerships

    First action

    List ten build-to-rent operators.

    How to measure it

    Partner sign-ups

    Now
    –
    Target
    20,000
    By
    4 quarters

    Steps

    1. 1

      List partners

      Ten operators.

      Head of Growth Partnerships 2 weeks

    2. 2

      Design offer

      Co-branded rent reporting.

      Head of Growth Partnerships 1 month

    3. 3

      Compliance

      Partner materials.

      Compliance (financial promotions) 1 month

    4. 4

      Pilot

      One operator.

      Growth Partnership Executive 1 quarter

    5. 5

      Measure

      Sign-ups and engagement.

      Strategy Analytics Manager monthly

    6. 6

      Scale

      More operators.

      Head of Growth Partnerships 2 quarters

    First result
    4 quarters
    Cost
    Partner costs
    Owner
    Head of Growth Partnerships

    Smallest test

    Pitch one build-to-rent operator.

    Why it works

    Partner with letting agents and build-to-rent operators to offer rent reporting to tenants at move-in, co-branded, with the Zable app as the home for it.

    Renters with thin credit files are exactly who Zable serves, and landlords like tenants with a reason to pay on time.

    Risks and how to handle them

    • Slow partner decisions

      Start with a mid-size operator.

    Evidence

    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
    • HiringAffiliate Marketing Executive (posted September 21, 2026), under "a newly-appointed CMO": "Finding and signing new affiliate and influencer partners is the core of our growth engine going forward"; CPA or fixed-fee deals "structured so every partnership delivers measurable, incremental customer acquisition". The Growth Partnership Executive (September 11) runs "sponsorship activations end-to-end" under a Head of Growth Partnerships being hired in parallel.Source

Wildcards 2

Unexpected experiments, each with a cheap way to test it.

  • 20

    Zable already has a new-to-UK credit card page and offers mobile plans and spend tracking. Newcomers need a phone plan and a credit history at once.

    Medium impactMedium effort First result in 2 quarters CMO

    First action

    Ask three relocation firms what newcomers struggle with.

    How to measure it

    Newcomer sign-ups

    Now
    –
    Target
    5,000
    By
    2 quarters

    Steps

    1. 1

      Research

      Three relocation firms.

      Head of Growth Partnerships 2 weeks

    2. 2

      Bundle

      Phone, rent, credit info.

      Senior Product Manager (CRM & Growth) 1 month

    3. 3

      Page

      New-to-UK journey.

      SEO lead 2 weeks

    4. 4

      Compliance

      Eligibility wording.

      Compliance (financial promotions) 2 weeks

    5. 5

      Partners

      Employers and universities.

      Growth Partnership Executive 1 quarter

    6. 6

      Measure

      Sign-ups.

      Strategy Analytics Manager monthly

    First result
    2 quarters
    Cost
    Partner costs
    Owner
    CMO

    Smallest test

    Pilot with one university.

    Why it works

    Package the mobile plan, rent reporting and the credit card information into one "new to the UK" journey, promoted through employers, universities and relocation firms, with compliant wording on eligibility.

    It reaches people before they build a credit file anywhere else.

    Risks and how to handle them

    • Low eligibility at first

      Lead with the phone plan and rent reporting.

    Evidence

    • Your websitezable.co.uk sells the same personal loans (also "GBP 1,000-GBP 25,000 over 1-5 years") alongside credit cards, Autolend car finance, Switch & Save refinancing, mobile plans, rent reporting, credit score, spend tracking and utility switching; its sitemap lists 218 URLs, including loan pages by amount and purpose and card pages for fair, good and bad credit, self-employed, retired, new-to-UK and first-time applicants. It says "Trusted by over 2 million Zable customers".Source
    • HiringAffiliate Marketing Executive (posted September 21, 2026), under "a newly-appointed CMO": "Finding and signing new affiliate and influencer partners is the core of our growth engine going forward"; CPA or fixed-fee deals "structured so every partnership delivers measurable, incremental customer acquisition". The Growth Partnership Executive (September 11) runs "sponsorship activations end-to-end" under a Head of Growth Partnerships being hired in parallel.Source
  • 21

    The CRM team cites a 5.0 rating across more than 100,000 reviews. Those reviews contain the language customers use.

    Medium impactLow effort First result in 1 quarter Creative Designer

    First action

    Pull 1,000 recent reviews and find top phrases.

    How to measure it

    Response vs control

    Now
    –
    Target
    +10%
    By
    2 quarters

    Steps

    1. 1

      Pull reviews

      1,000 recent.

      Senior Product Manager (CRM & Growth) 1 week

    2. 2

      Find phrases

      Themes.

      Strategy Analytics Manager 1 week

    3. 3

      Write headlines

      From phrases.

      Creative Designer 1 week

    4. 4

      Compliance

      Review.

      Compliance (financial promotions) 1 week

    5. 5

      Test

      Mail and ads.

      Direct Mail Growth Manager 1 month

    6. 6

      Library

      For the pod.

      Creative Designer ongoing

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Creative Designer

    Smallest test

    Test one review-led headline.

    Why it works

    Analyse reviews for recurring phrases, test them as headlines in mail packs and ads (with permission where quoted), and keep a library for the creative pod.

    Customer language converts better than brand language.

    Risks and how to handle them

    • Quotes need permission

      Use themes or get consent.

    Evidence

    • HiringSenior Product Manager (CRM & Growth) (posted October 20, 2026): "a 5.0 Trustpilot rating across more than 100,000 reviews sets a high bar"; owns "onboarding, engagement, retention and reactivation", "Messaging reliability, deliverability and platform integrations".Source
    • HiringHead of Direct Marketing (posted October 9, 2026) and Head of Direct Mail and Direct Mail Growth Manager (both September 29, 2026): Direct Mail is "one of our highest-potential channels", to become "a scaled, precise, and defensible growth engine"; the lead decides "who we mail, with what offer and when", commissions "selection and response models", sources "the data pipeline and user-data enrichment", holds "every campaign to CAC and LTV targets", and may "extend into other formats".Source
    • HiringCreative hiring: a Creative Designer (posted July 23, 2026) for "a growing creative pod" producing "brand and campaign work across Zable" from "rebrand applications through to large-scale campaigns", across "OOH, print and digital"; a Performance Creative and a Performance Marketer for paid social.Source
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See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 23, 2026, and cites them throughout. Lendable (Zable) did not commission, review or endorse it, and Programmable is not affiliated with Lendable (Zable). Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Lendable (Zable) runs its business.

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30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 306 ideas

    Migration plan, lendable.com front door, one customer number, consistent promotions, brand search and anti-fraud notice.

  2. Days 31 to 6012 ideas

    Mail response codes, holdouts and suppression; affiliate scorecard; creator kit; onboarding; application step test; US autopay; US and Mexico creative; balloon payment content; new-to-UK bundle and review-led creative.

  3. Days 61 to 903 ideas

    Commit to the credit progress view, the credit access report and rent reporting partnerships.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value fast decisions and money paid out quickly. The most cited problem: uncertainty about eligibility.

  • Checking eligibility without affecting the credit score
  • Thin or damaged credit files
  • In their words: “fast”

Market

Competitive landscape

4 competitors compared: Aqua (NewDay), Capital One UK, Vanquis and Upstart (US).

  • Gap to exploit: One app for credit, credit building and bills
  • Aqua (NewDay): Card only
  • Capital One UK: Fewer loan and app features

Hiring signals

Lendable is in a marketing build-out under a new CMO and a rebrand to Zable (ideas 1-6).

  • Senior Growth Manager (US and Mexico): Rebrand under Zable; new markets. Ideas 1, 15.
  • Head of Direct Marketing: Direct mail as a scaled channel. Ideas 7, 8, 9.
  • Direct Mail Growth Manager: Selection, offers and CAC targets. Ideas 7, 8.

From the team that wrote this playbook

All products
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  • ProgrammableTalkGet registrants for your events, and know who’s coming (opens programmable.talk in a new tab)
  • ProgrammablePageText what you need, your customer gets a page that works (opens programmable.page in a new tab)
  • ProgrammableCommunityForums with labelled AI members, never empty (opens programmable.community in a new tab)
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