At a Glance
- Tasks: Assess merchant profiles to determine business funding offers and maintain control over lending decisions.
- Company: YouLend, an award-winning fintech recognised for its supportive and diverse workplace.
- Benefits: Stock options, private medical insurance, gym access, and subsidised lunches in Central London.
- Other info: Be part of a transparent culture that values teamwork and personal growth.
- Why this job: Join a high-growth team and make impactful lending decisions in a dynamic environment.
- Qualifications: 1-2 years in underwriting or credit control, strong analytical skills, and attention to detail.
The predicted salary is between 40000 - 50000 € per year.
YouLend 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 their 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.
Key Responsibilities
- Maintaining control over a queue of un-decisioned deals, ensuring to work within business SLAs
- Working on a team level with fellow decisioners to ensure daily KPIs are achieved and no merchant is left waiting for an outcome
- Adherence to risk guidance and YouLend's 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 and 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
Skills, Knowledge & Expertise
- 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 outcomes
- 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 focussed
Job Benefits
Why 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.
- 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.
- 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.
Credit Decisions Analyst employer: YouLend Limited
YouLend is an award-winning fintech company located in the heart of London, recognised as one of the 'Best Places to Work' for its supportive and diverse work culture. As a Credit Decisions Analyst, you will thrive in a high-growth environment that prioritises employee development, offering clear pathways for career advancement alongside a comprehensive benefits package, including stock options and private medical insurance. Join a motivated team that values transparency and collaboration, where your contributions directly impact the success of the business.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Decisions Analyst
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions related to credit analysis and decision-making. We recommend using mock interviews with friends or even recording yourself to refine your answers and boost your confidence.
✨Tip Number 3
Showcase your analytical skills! Bring examples of how you've successfully assessed risk or made data-driven decisions in past roles. This will help you stand out as a candidate who can hit the ground running.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our awesome team at YouLend.
We think you need these skills to ace Credit Decisions Analyst
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Decisions Analyst role. Highlight your experience in underwriting, credit control, or KYC, and showcase your analytical skills with numbers and data. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your skills align with what we’re looking for. Be genuine and let your personality come through – we love to see that!
Showcase Your Attention to Detail:As a Credit Decisions Analyst, attention to detail is key. In your application, make sure to proofread everything and present your information clearly. This will show us that you’re organised and reliable, just what we need!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets to us quickly and efficiently. Plus, you’ll get to see all the other amazing opportunities we have at YouLend!
How to prepare for a job interview at YouLend Limited
✨Know Your Numbers
As a Credit Decisions Analyst, you'll be working with data all day. Brush up on your numerical skills and be ready to discuss how you analyse financial statements and credit reports. Practise explaining your thought process clearly, as this will show your analytical abilities.
✨Understand KYC and Risk Assessment
Familiarise yourself with KYC checks and risk assessment processes. Be prepared to discuss how you would approach these tasks in real scenarios. Showing that you understand the importance of compliance and risk management will set you apart from other candidates.
✨Team Player Mindset
YouLend values collaboration, so highlight your experience working in teams. Share examples of how you've contributed to team goals or helped streamline processes. This will demonstrate that you're not just focused on individual success but also on the team's performance.
✨Show Passion for Customer Focus
Since the role is customer-centric, convey your passion for helping clients. Prepare to discuss how you've previously balanced customer needs with business objectives. This will show that you can make decisions that benefit both the company and its customers.
