Commercial Strategy & Analytics Associate

We’re looking for a Commercial Strategy & Analytics Associate to help YouLend find, test and scale high-impact growth opportunities across our embedded finance platform. You’ll work closely with our Product, Risk, Pricing, Data and partner-facing teams. Your role will be to turn ambiguous commercial questions into robust analysis, experiments, tools and recommendations that help us grow funded volume, improve conversion, reduce friction and make better decisions. This is a hands-on analytical role. You’ll need strong SQL, Excel/Sheets and Python or similar coding ability. You should be comfortable digging into messy data, understanding product flows, reading technical documentation, getting to grips with logic or configuration, and working with technical teams to understand what is really happening. You are not a software engineer, but you do need to be curious and technical enough to follow the thread: from a dashboard, into the data, into the product or decisioning logic, and back to a clear commercial recommendation. You’ll also know when it’s the right time to take a step back from the analysis and find the right person who can unblock an issue, whether that be someone inside YouLend or within a partner. The right person will be analytical, practical, commercially curious and excited by experimentation. They’ll also be pragmatic: comfortable using AI tools, Codex, Replit, notebooks or lightweight scripts to build proof-of-concepts, validate ideas quickly and create evidence for more durable product or data solutions.

Key Responsibilities

• Own commercial experiments end to end: define the hypothesis, design the test, agree success metrics, monitor results and recommend the next action.
• Analyse growth opportunities across offers, pricing, eligibility, renewals, customer journeys and partner performance.
• Use SQL, Excel/Sheets and Python or similar tools to get underneath dashboards and understand what is actually driving performance.
• Improve the data foundations behind commercial experimentation, including funnel tracking, event definitions, metric quality and test measurement.
• Work with Product, Risk, Pricing and Data to turn commercial ideas into tests, product changes, decisioning logic or operational improvements.
• Build models to assess trade-offs between conversion, funded amount, risk, pricing, margin and customer experience.
• Improve how we track key funnels, so we can understand what customers saw, what they did next, and whether a change worked.
• Use partner and first-party data to identify opportunities to improve targeting, offers, decisioning or conversion.
• Build lightweight proof-of-concepts, dashboards, scripts and AI-assisted tools where they help validate an idea quickly.
• Translate technical analysis into clear recommendations that Commercial, Product, Risk and senior stakeholders can act on.

You might work on questions such as:

• How should we set early renewal eligibility to maximise incremental funding without creating unacceptable risk?
• What offer should we show a merchant before they apply, and how does that affect application rate, conversion and final funded amount?
• How should we design an A/B test to understand whether a pricing, eligibility or journey change actually improves outcomes?
• Which customer segments should receive different offer structures based on conversion, returns and profitability?
• Where are instant or automated offers underperforming manual review, and what logic or journey changes would close the gap?
• How can we use partner data more effectively to improve targeting, decisioning, pricing or customer experience?
• What lightweight tool, dashboard or AI prototype could help Commercial teams answer a recurring question faster?

After 6-9 months, you’ll be independently owning commercial analytics and experimentation workstreams: identifying the right opportunity, getting into the data, designing a sensible test or analysis, aligning the right teams and turning the result into action. You’ll have helped YouLend make better decisions on things like offers, pricing, eligibility, renewals, customer journeys or partner performance. Some of that impact may come from robust experiments; some may come from scrappy prototypes, dashboards or analysis that quickly prove where the value is. You’ll be known across Commercial, Product, Risk, Pricing and Data as someone who can bridge the gap between a commercial question and a practical solution: technical enough to understand how things work, commercially sharp enough to know what matters, and proactive enough to get things moving.

Skills, Knowledge & Expertise

You’ll thrive in this role if you have:

• 2–4 years’ experience in analytics, strategy, consulting, fintech, product analytics, engineering or a similar role that blends analytical and commercial skills.
• Strong SQL skills and excellent Excel or Google Sheets ability. Python or similar coding ability.
• Strong analytical judgement: you can work with messy data, spot issues, test assumptions and explain what the numbers really mean.
• Strong stakeholder and communication skills: you can explain technical analysis to non-technical audiences, build alignment across teams and push work forward without formal authority.
• Interest in experimentation, including A/B tests, holdouts, success metrics and how to measure impact robustly. You do not need to be an expert, but you should be excited to learn.
• Commercial curiosity: you care about growth, conversion, pricing, risk, customer experience and unit economics.
• Comfort working with technical stakeholders and getting to grips with product flows, data models, documentation, logic or configuration.
• A self-directed working style: you are comfortable with ambiguity, imperfect data and fast-moving priorities.
• Bias toward action: you do not just analyse problems; you help get solutions shipped.

Desirable Skills:

• You’ve worked in fintech, lending, payments or embedded finance.
• You have a strong understanding of lending and/or MCA unit economics, including how pricing, repayment behaviour, losses, opex and capital constraints affect commercial outcomes.

Why this role could be a good fit

This role is a good fit if:

• You want to use analysis to drive real commercial decisions, not just produce reports.
• You enjoy getting into the data and figuring out what is actually happening.
• You like working at the intersection of Commercial, Product, Risk, Pricing and Data.
• You’re excited by experiments, growth levers, customer journeys and technical problem-solving.
• You want to build tools, models and tests that can directly influence funding volume, conversion and partner performance.

This role is not a good fit if:

• You want a purely strategic role without hands-on data work.
• You prefer clean datasets, fixed requirements and mature processes.
• You are uncomfortable using SQL or code yourself.
• You want to hand analysis over rather than helping drive implementation.
• You are not interested in the technical details behind how products, data and decisioning logic work.

Job Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024, 2025 and 2026” 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, secured significant partnerships, and are growing rapidly. 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 the 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, 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 options
• Private Medical Insurance (via Vitality)
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Great office space (including a gym!) in Central London
• Subsidised lunch (via Feedr)
• Deliveroo allowance if working late in the office
• Monthly in-office masseuse
• Team and Company socials
• Sports clubs

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.