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- Tasks: Lead and manage the credit risk team while shaping policies and ensuring high-quality risk decisions.
- Company: Join YouLend, an award-winning fintech recognised for its supportive and diverse workplace.
- Benefits: Enjoy stock options, private medical insurance, and a modern office with free gym access.
- Other info: Be part of a dynamic team culture that values feedback and collaboration.
- Why this job: Make a real impact in a high-growth environment with clear career progression opportunities.
- Qualifications: 5+ years in credit risk with leadership experience and strong analytical skills.
The predicted salary is between 60000 - 80000 ÂŁ per year.
We’re looking for a Credit Risk Lead to help grow and manage our credit risk function as we scale across multiple markets. As the Credit Risk Team Lead, you will take ownership of the day‑to‑day operations and development of our credit risk team, guiding credit risk professionals to ensure high‑quality risk decisions and controls. You will work closely with senior risk leaders, product, data, and commercial teams to shape credit risk policies and execution practices while maintaining strong performance and compliance standards. This role requires both risk expertise and managerial experience, with accountability for team performance, process quality, and delivery of key risk outcomes.
Key Responsibilities
- Lead & Manage the Team – Supervise and mentor the credit risk team, including performance management, development planning, and workload coordination.
- Credit Risk Decisioning – Oversee credit assessment processes, ensuring robust, consistent decisioning and adherence to risk appetite and policies.
- Policy Implementation – Support the development, documentation, and embedding of credit risk policies, standards, and procedures across the business.
- Reporting & Analytics – Produce and present risk reports, metrics, and insights to senior management, highlighting trends, issues, and recommendations.
- Stakeholder Collaboration – Partner with product, finance, compliance, and operations teams to align risk practices with business needs and planned growth.
- Quality Assurance & Improvement – Drive continuous improvement of credit processes, controls, and automated checks to reduce risk leakage and improve efficiency.
- Training & Development – Support learning and development within the team, including knowledge sharing, coaching, and risk‑focused training sessions.
Skills, Knowledge and Expertise
- Experience: 5+ years in credit risk, underwriting, or related risk function, with at least 2+ years in a supervisory or leadership capacity.
- Risk Skills: Strong understanding of credit risk assessment, portfolio monitoring, and risk frameworks within a financial service or fintech environment.
- Analytical Mindset: Ability to synthesise quantitative and qualitative information to support risk decisions and recommendations.
- Leadership: Demonstrated ability to lead a team, provide constructive feedback, and drive performance.
- Communication: Excellent stakeholder communication skills, able to explain risk concepts to non‑risk audiences.
- Organised: Comfortable managing multiple priorities in a fast‑paced environment.
Desirable Skills
- Experience working in UK market
- Experience in SME Lending
Benefits
- 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 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 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).
- Stock Options
- Private Medical insurance via Vitality and Dental Insurance with BUPA
- 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
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Paddle and Yoga 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.
Credit Risk Lead - UK Market employer: YouLend Limited
Contact Detail:
YouLend Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Lead - UK Market
✨Tip Number 1
Network like a pro! Reach out to folks in the credit risk space, especially those at YouLend. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for interviews by brushing up on your credit risk knowledge. Be ready to discuss your experience with credit assessment processes and how you've led teams in the past. We want to see your passion for the role!
✨Tip Number 3
Showcase your analytical skills! Bring examples of how you've used data to make informed risk decisions. This will help us see your fit for the analytical mindset we value at YouLend.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you're genuinely interested in joining our awesome team.
We think you need these skills to ace Credit Risk Lead - UK Market
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Lead role. Highlight your relevant experience in credit risk and leadership, and don’t forget to showcase any specific achievements that align with our key responsibilities.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for the role. Mention how your skills and experiences can help us grow and manage our credit risk function effectively.
Showcase Your Analytical Skills: Since this role requires an analytical mindset, be sure to include examples of how you've used data to make informed risk decisions in your previous roles. We love numbers, so don’t hold back!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at YouLend Limited
✨Know Your Credit Risk Stuff
Make sure you brush up on your credit risk knowledge before the interview. Understand the key concepts, frameworks, and recent trends in the UK market. Being able to discuss these topics confidently will show that you're not just a leader but also an expert in your field.
✨Showcase Your Leadership Skills
Prepare examples of how you've successfully led teams in the past. Think about specific situations where you mentored team members or improved processes. This will help demonstrate your managerial experience and ability to drive performance, which is crucial for this role.
✨Be Ready to Discuss Policies
Familiarise yourself with credit risk policies and procedures. Be prepared to talk about how you've implemented or improved such policies in previous roles. This will highlight your understanding of compliance standards and your proactive approach to risk management.
✨Engage with Stakeholders
Think about how you've collaborated with different teams in the past. Be ready to share examples of how you aligned risk practices with business needs. This will showcase your communication skills and ability to work cross-functionally, which is essential for the Credit Risk Lead position.