Credit Decisions 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 RoleYouLend 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 decision the size, duration and pricing of each funding offer you make.RequirementsResponsibilities:Maintaining control over a queue of un-decisioned deals, ensuring to work within business SLAsWorking on a team level with fellow decisioners to ensure daily KPIs are achieved and no merchant is left waiting for an outcomeAdherence 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.Liaise 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.Have excellent attention to detail and be confident working with numbers and data.Be confident in your ability to analyse data and conclude and present outcomesStrong use of excel or any data analysis softwareBe highly organised and reliableAbility to work under pressureTeam playerTarget drivenPassionate and customer focussedSalary: £33,000 - £35, % performance-based quarterly bonus)BenefitsWhy 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 workplaceAward-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBCIt'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 includes:Stock 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 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.