Senior Credit Risk Analyst

About Us

YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

A Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.

Requirements

Responsibilities :

• Risk Analysis : Utilising statistical techniques and data analysis to assess portfolio-level credit risk.
• Portfolio Monitoring : Identifying trends, risks, and opportunities across customer segments using advanced analytics.
• Policy and Strategy Development : Supporting the creation of credit risk policies, underwriting strategies, and pricing.
• Data-Driven Insights : Delivering actionable insights and recommendations to optimise risk-adjusted returns.
• Stakeholder Collaboration : Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.

The ideal candidate will have the following skillset :

Desirable skills :

Benefits

Why join YouLend?

It’s just getting fun :

Lots of upsides :

100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).

Motivating work environment :

We offer comprehensive benefits package that includes :

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.