Lumen Cards
In Control. By Design.
We're on a mission to redefine credit for the under-served, using fresh thinking and the latest technology to give customers greater control over how they borrow and spend.
Transparent
Clear terms and no hidden fees
Customer-First
Designed around real financial lives
Flexible
Adaptable to your changing needs
Underwriting That Understands People
Lumen's underwriting is developed by our experienced credit team, leveraging machine learning and artificial intelligence models powered by a wide range of data sources. We go beyond traditional methods to reflect the complexity of real financial lives.
Machine Learning
Advanced AI models that understand complex financial patterns
Wide Data Sources
Comprehensive data analysis beyond traditional credit scores
Informed Decisions
Responsible lending that supports access while managing risk
Real Lives Focus
Understanding the complexity of modern financial situations
This helps us make informed, responsible decisions that support access to credit while managing risk effectively.
Partnering for Smarter Credit
Lumen works with financial institutions, technology providers, and compliance partners to deliver scalable, customer-first credit solutions.
Financial Institutions
Collaborating with banks and lenders to expand access to innovative credit solutions
Technology Providers
Working with tech partners to deliver cutting-edge financial technology
Compliance Partners
Ensuring regulatory compliance while maintaining innovation and transparency
Ready to Partner with Us?
We welcome collaboration with organisations that share our commitment to innovation, transparency, and sustainable growth.
Get in TouchCareers at Lumen
We're building something meaningful and we're looking for people who want to be part of it. At Lumen, you will work alongside experienced professionals in credit, data, operations, product, and technology to help shape the future of consumer finance in the UK.
First Principles Thinking
We break down problems to identify the best solution, not just the most common.
Meaningful Impact
Building something that gives real people more control over their financial lives.
Bespoke Solutions
We don't just replicate what we've seen before—we build custom solutions.
Collaborative Team
Work alongside experienced professionals across all disciplines.
We're Looking For
- Data Scientists
- Credit Analysts
- Engineers
- Operations Specialists
- Product Experts
We look for curiosity, clarity, and a commitment to doing things the right way.
Join Our Mission
If you're excited by the idea of building something that will give real people more control over their financial lives, we'd love to hear from you.
View Open PositionsThe Team
Meet the experienced professionals leading Lumen's mission to redefine credit
Steven Hall
Chief Executive Officer
Steven brings over 20 years of experience and deep expertise in consumer finance and strategic leadership, with experience at the UK's two largest specialist credit card providers. Prior to joining Lumen, Steven led the commercial performance of white-label portfolios at NewDay Cards and held roles across lending and retail deposits at Capital One.
Christopher Malin
Chief Operations Officer
Christopher joined Lumen after seven years at Jaja Finance, where he was part of the founding team as a cards SME and built both in-house and outsourced operations functions. Prior to Jaja, Christopher worked as a management consultant at Auriemma Consulting Group and held several product-focused roles at Barclaycard and Santander, having started his career at Saga.
Anuj Jain
Chief Credit Officer
Anuj brings over 20 years of experience in credit modelling and data science. He has managed credit risk and established machine learning-based lending at organisations including Zopa Bank, Capital One, Equifax, ClearScore, and HSBC.
Helen Kenyon
Head of Compliance
Helen brings more than two decades of experience in financial services risk management and compliance across FinTech, retail banking, insurance, and regulatory environments. She joined Lumen from Glow Financial Services, having previously worked at Metro Bank, TSB Bank, and the Financial Services Authority.
Moyna Quail
Head of Finance
Moyna brings over 20 years of experience in finance, strategy, and commercial leadership across global organisations. Prior to joining Lumen, she held senior roles at UnityLink Financial Services, IDX, WorldRemit, and Visa Europe, supporting growth, transformation, and operational excellence.
Collective Expertise
Our leadership team combines decades of experience across consumer finance, technology, operations, and compliance to build the future of responsible credit.