Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Make credit decisions and assess applications while ensuring acceptable terms.
- Company: YouLend is a leading global embedded financing platform for top e-commerce and tech companies.
- Benefits: Enjoy stock options, private medical insurance, gym access, and subsidised lunches.
- Why this job: Join an award-winning fintech with a supportive culture and opportunities for growth.
- Qualifications: 1-2 years in a KYC role, strong analytical skills, and attention to detail required.
- Other info: Work in a modern office in Central London with great team socials and activities.
The predicted salary is between 25000 - 29000 £ per year.
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
As a Credit Decision Analyst, you will decision applications and price deals, being responsible for ensuring acceptable terms while deciding the size, duration, and price of an application. You will complete KYC checks using 3rd party tools to verify our customer, flagging high risk applications.
Key Responsibilities
- Assessing merchants on ability to repay
- Pricing deals
- Reviewing credit reports
- Assessing revenue and payment data
- Verifying identity
- Assessing onboarding risks
- Confirming PEP/Sanction matches
- Reviewing Cifas flags
- Assist team members with queries
- Identify and flags problems
- Suggests improvements to processes
Salary: £31,000 – £35,000 (dependent on experience) +5% quarterly performance bonus
- 1-2 years\’ experience within a KYC role
- Have excellent attention to detail and be confident working with numbers and data
- Be confident while analysing data and presenting results
- Strong use of excel or any data analysis software
- Be highly organised and reliable
- Ability to work under pressure
- Team player
- Target driven
- Passionate and customer focused
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 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.
We offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- 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
- Cycle to work scheme
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash 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.
#J-18808-Ljbffr
Credit Decisions Analyst (KYC) employer: YouLend
Contact Detail:
YouLend Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Decisions Analyst (KYC)
✨Tip Number 1
Familiarise yourself with KYC regulations and best practices. Understanding the legal framework and compliance requirements will not only help you in the role but also demonstrate your commitment to the field during interviews.
✨Tip Number 2
Brush up on your data analysis skills, especially in Excel or similar software. Being able to showcase your proficiency in analysing financial data and presenting it clearly can set you apart from other candidates.
✨Tip Number 3
Network with professionals in the fintech and KYC space. Attend industry events or join relevant online forums to connect with others who can provide insights or even refer you to opportunities at YouLend.
✨Tip Number 4
Prepare for situational interview questions that assess your problem-solving abilities. Think of examples where you've successfully identified issues or suggested improvements in previous roles, as this aligns with the responsibilities of a Credit Decision Analyst.
We think you need these skills to ace Credit Decisions Analyst (KYC)
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Credit Decisions Analyst at YouLend. Familiarise yourself with KYC processes and the importance of credit risk assessment in the financial services sector.
Tailor Your CV: Highlight your relevant experience in KYC roles, focusing on your attention to detail, data analysis skills, and any specific tools or software you have used. Make sure to include examples that demonstrate your ability to work under pressure and as part of a team.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for customer-focused financial services and your understanding of YouLend's mission. Mention how your skills align with the job requirements and express your enthusiasm for contributing to their innovative solutions.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any spelling or grammatical errors. A polished application reflects your attention to detail, which is crucial for the role you are applying for.
How to prepare for a job interview at YouLend
✨Understand KYC Regulations
Familiarise yourself with Know Your Customer (KYC) regulations and practices. Be prepared to discuss how you have applied these in previous roles, as this will demonstrate your understanding of the importance of compliance in financial services.
✨Showcase Analytical Skills
As a Credit Decisions Analyst, you'll be working with data extensively. Prepare examples of how you've successfully analysed data in the past, particularly in relation to credit assessments or risk evaluations. Highlight your proficiency in Excel or any relevant data analysis software.
✨Demonstrate Attention to Detail
Attention to detail is crucial in this role. During the interview, provide specific instances where your meticulous nature has helped prevent errors or improved processes. This will show that you can handle the responsibilities of assessing applications accurately.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your decision-making skills under pressure. Think about how you would approach high-risk applications or complex cases, and be ready to explain your thought process clearly and confidently.
