Credit Decisions Analyst

About Us YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world's leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk. We are owned by the leading Private Equity company, EQT, and have grown +100% year-onyear since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe. The Role YouLend is looking to hire a Credit Decisions Analyst. As a Credit Decisions analyst, you will play a vital part in our lending pipeline at YouLend, assessing the profile of each merchant that applies for business funding to determine at what level we should offer them business funding. This includes assessing their revenue levels, their consumer and commercial credit profiles, their online presence and risk portfolio and banking documentation along with completing KYC checks. You will utilise this information to decide the size, duration and pricing of each funding offer you make. Responsibilities Maintaining control over a queue of un‑decided deals, ensuring to work within business SLAs Working on a team level with fellow decisioners to ensure daily KPIs are achieved and no merchant is left waiting for an outcome Adherence to risk guidance and YouLends minimum lending requirements (full training provided) Utilising commercial acumen to adjust your lending decision based on both partner and merchant profile Analysing merchant business bank statements, payment data, and revenue levels to make an affordability assessment Reviewing credit reports, CIFAS flags, PEP sanctions to understand how these would impact your lending decision Conducting KYC checks Pricing merchant funding applications in line with the information reviewed and the risk guidance given Liaising with internal stakeholders to help streamline operational workflows and allow us to make better quality decisions, quicker The Ideal Candidate Will Have The Following Skillset Have 1‑2 years experience in a similar role, such as underwriting, credit control or KYC Excellent attention to detail and be confident working with numbers and data Be confident in your ability to analyse data and conclude and present outcomes Strong use of Excel or any data analysis software Highly organised and reliable Ability to work under pressure Team player Target driven Passionate and customer focussed Salary: £33,000 - £35,000 (+ 5% performance‑based quarterly bonus) Benefits Stock Options Private Medical insurance via Vitality and Dental Insurance with BUPA EAP with Health Assured Enhanced Maternity and Paternity Leave Modern and sophisticated office space in Central London Free Gym in office building in Holborn Subsidised Lunch via Feedr Deliveroo Allowance if working late in office Monthly in‑office Masseuse Team and Company Socials Football Power League / Paddle and Yoga Club 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. Seniority Level Entry level Employment Type Contract Job Function Finance and Sales Industries Accounting #J-18808-Ljbffr