Head of Credit Risk

YouLend 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 Head of Credit Risk will lead the company’s global credit risk function, overseeing risk management across all operating countries (UK, US, EU). This senior role is pivotal in balancing risk and growth, developing internationally aligned credit risk strategies, and embedding best-in-class risk practices across diverse markets. You will be responsible for ensuring robust portfolio performance, maintaining regulatory compliance in multiple jurisdictions, and driving a culture of analytical excellence and proactive risk management across the business.

Responsibilities

• Strategic Leadership and Governance: Define and execute the global credit risk strategy, ensuring alignment across UK, US, and EU markets. Develop, maintain, and implement credit risk policies, procedures, and frameworks that comply with local regulatory requirements. Monitor emerging risks in each market and implement proactive mitigation strategies. Conduct portfolio stress testing, scenario analysis, and performance monitoring across all regions.
• Risk Analysis and Decisioning: Oversee and guide credit risk modelling, algorithmic decisioning, and risk scoring across all countries. Analyse global and regional data to identify trends, emerging risks, and opportunities. Provide actionable insights and recommendations to senior management and key stakeholders. Ensure consistent application of risk policies while optimising approval levels and portfolio returns in each market.
• Team Leadership & Development: Build, mentor, and lead a high-performing, multi-country credit risk team. Foster a culture of analytical rigor, accountability, and continuous learning across international teams. Collaborate cross-functionally with Product, Capital, and Commercial teams globally to embed risk considerations in business decisions.
• Stakeholder Engagement and Reporting: Report on global credit risk exposures, portfolio performance, and emerging issues to senior management. Advise business leaders in each country on risk strategy, policy, and operational decision-making. Act as a trusted partner on global credit risk matters, influencing strategy and product innovation.

The ideal candidate will have the following skillset:

• Proven senior experience in credit risk management in multi-country or international financial services/FinTech.
• Strong knowledge of credit risk modelling, algorithmic decisioning, and data analytics.
• Experience developing and implementing risk policies across multiple regulatory environments.
• Demonstrated ability to lead and scale high-performing, geographically dispersed teams.
• Excellent analytical, problem-solving, and communication skills.
• Ability to translate complex risk data into clear, actionable business insights.

Desirable skills:

• Strategic thinker with a hands-on, data-driven approach.
• Comfortable managing complexity across multiple countries and jurisdictions.
• Collaborative, influential, and able to partner effectively with senior stakeholders globally.
• Passionate about technology and innovation in credit risk management.

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.

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 Options
• Private Medical insurance via Vitality and Dental Insurance with BUPA
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave