Credit Risk Analyst

About UsYouLend 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-on-year 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 RoleWe are seeking a motivated and detail-oriented Credit Risk Analyst to join our Credit Risk team. The Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.ResponsibilitiesRisk 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 skillsetProficiency in SQL.Experience in credit riskStrong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.Experience with data visualization tools and techniques.Excellent analytical, problem-solving skills and attention to detail.Experience in European Markets (ideally France or Germany)Desirable skillsExperience in SME lendingPythonBenefitsWhy join YouLend?Award-Winning Workplace : YouLend has been recognised as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.Award-Winning Fintech : YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.It’s just getting fun :We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.Lots of upsides :High-growth (100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).Well-capitalised with supportive private equity backing.Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.Motivating work environment :A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.Strong and transparent team culture, we have each other’s backs.Independent work environment where results matter.Data-driven culture and emphasis on speed (anti-red tape).We offer a comprehensive benefits package that includesStock OptionsPrivate Medical insurance via Vitality and Dental Insurance with BUPAEAP with Health AssuredEnhanced Maternity and Paternity LeaveModern and sophisticated office space in Central LondonFree Gym in office building in HolbornSubsidised Lunch via FeedrDeliveroo Allowance if working late in officeMonthly in office MasseuseTeam and Company SocialsFootball Power League / Paddle and Yoga ClubSalarySalary : £40,000 - 60,000 +10% annual bonusAt 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. #J-18808-Ljbffr