SME Loan Underwriter

3 days ago Be among the first 25 applicantsGet AI-powered advice on this job and more exclusive features.About UsYouLend 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.About The RoleWe are looking for a proactive and analytical Loan Underwriter to join our European team and take full ownership of the underwriting function for the German market. You will be instrumental in setting up and optimising the underwriting framework from the ground up. This is a unique opportunity to combine hands-on underwriting and strategic process building in a fast-growing fintech environment.Key ResponsibilitiesDesign and set up the full underwriting process for SME loans in Germany, aligning with local regulatory and market expectations.Conduct in-depth financial analysis, reviewing creditworthiness of businesses using financial statements, cash flow, credit reports, and sector-specific insights.Assess and underwrite deals in real-time, using a combination of automated and manual decisioning tools.Partner with product, data, and engineering teams to integrate underwriting logic into scalable platform tools.Serve as the go-to subject matter expert on underwriting in the German SME lending space.Requirements3-5+ years of experience in SME or commercial loan underwriting, with deep understanding of German credit practices and financial documentation.Familiarity with German regulatory environment (e.g., BaFin, KWG) as it pertains to credit risk.Comfortable working in a fast-paced, entrepreneurial setting with ambiguity and autonomy.Native-level German; fluent English is required.BenefitsWhy join YouLend?Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work 2024 and 2025" by the Sunday Times for being a supportive, diverse, and rewarding workplaceAward-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBCWe offer comprehensive benefits package that includes:Stock OptionsPrivate Medical insurance via Vitality and dental 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 ClubAt 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 levelSeniority levelMid-Senior levelEmployment typeEmployment typeFull-timeJob functionJob functionOtherIndustriesIT Services and IT ConsultingReferrals increase your chances of interviewing at YouLend by 2xLondon Area, United Kingdom £30,000 - £40,000 1 month agoAssistant/Junior Credit and Political Risk UnderwriterLoan Agency Transaction Manager AssociateLondon, England, United Kingdom 1 week agoSME Loan Underwriting Lead - German MarketLondon, England, United Kingdom 3 days agoDistressed Banks Loans Operations Analyst - Hedge FundLondon, England, United Kingdom 2 weeks agoLondon, England, United Kingdom 2 weeks agoJunior Case Manager - Specialist LendingLondon, England, United Kingdom 3 days agoLondon, England, United Kingdom 2 weeks agoLoan Trade Support Analyst (Hybrid - Flexible Options)London, England, United Kingdom 2 days agoSenior High Yield and Leveraged Loan Strategist, Credit Research Analyst, Credit Strategy ResearchLondon, England, United Kingdom 1 week agoSenior High Yield and Leveraged Loan Strategist, Credit Research Analyst, Credit Strategy ResearchLondon, England, United Kingdom 1 week agoWe’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI. #J-18808-Ljbffr