About Zable
We're on a mission to build the world's best technology to help people get credit and save money.
By leveraging a decade of data and artificial intelligence expertise, we've built a technology platform that provides instant decisions, cheaper prices and more access to financial products for everyone.
Who we work with
Backed by the best
We're the consumer brand of Lendable, one of the UK's most successful fintech unicorns (a term for a private tech company valued at over $1 billion), backed by global leaders like Balderton Capital and the Ontario Teachers Pension Plan. We are also authorized and regulated by the Financial Conduct Authority (FCA).
Our story
We started Zable to challenge a broken credit and loans industry. Too many capable, responsible people were shut out by rigid credit scoring criteria and opaque practices, making applying for credit a frustrating experience. The best offers would be advertised to everyone, yet most people would be offered no credit at all.
So we built something radically different: a proprietary platform powered by the most advanced AI models and the deepest open banking dataset in the market. This lets us see people as individuals, not just credit scores, driving breakthroughs that have redefined what's possible in consumer finance:
Opening up access
Approving responsible customers others can't see, with risk decisions based on real financial behaviour, not just a number.
Transparency
Guaranteed, instant eligibility and rates right up front. No more headline rates that never materialise, no more bait-and-switch.
Industry impact
Setting the new standard for price comparison sites, showing every customer exactly what they'll get and transforming expectations for clarity and fairness.
Who we are
Martin Kissinger, Paul Pamment, Victoria van Lennep, and Jakob Schwarz founded our parent company, Lendable, in 2014. By 2018 Martin and Victoria were listed on the Forbes 30 Under 30 list, by 2020 the Zable brand was born, and by August 2025, Zable was the second biggest new credit card issuer in the UK (according to Experian). We now have over 800 employees across the world who love big challenges and building cutting edge technology which will save customers money and give them fairer access to the products they want.
Powering businesses across 3 different geographies, we are problem-solvers and doers, constantly refining and upgrading our AI algorithms with new data to bring cheaper products to more customers. Our relentless energy can be seen in everything we do, ranging from credit cards and refinancing to mobile phone contracts and membership plans.
Meet the leadership team steering the ship
Martin Kissinger
Co-Founder & Chief Executive Officer
Victoria van Lennep
Co-Founder
Jakob Schwarz
Co-Founder & Head of AI Research
Rory McHugh
Chief Capital Officer
Mark Rosel
Chief Risk Officer
Trusted by over 2 million Zable customers
What we believe
We always find a better way
We've never accepted "that's just how it's done" as an answer. We've taken the traditional credit system apart and rebuilt it using the latest machine learning techniques to develop a forward-thinking, fair system that sees the person behind the paperwork.
We make it make sense
Money is no place for guesswork and unnecessary complexity. We give you the clarity you need to make decisions for yourself. We think about every single small detail so that you don't have to.
We call it as we see it
Being no-nonsense means we call out things that are unfair or complex. For our own part, we're grounded in reality and honest about tradeoffs, providing the most no-nonsense way to get a better deal.
Where we are
We have employees based all over the world - in 31 different countries, to be exact. Our offices can be found in London and Washington DC.
Take control of your finances today
Apply for a card, find big savings and manage your finances. All in one app.
