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- Tasks: Lead and manage the credit risk team while shaping policies and ensuring compliance.
- Company: Join YouLend, an award-winning fintech recognised for its supportive and diverse workplace.
- Benefits: Enjoy competitive compensation, career growth opportunities, and a dynamic work environment.
- Other info: Be part of a rapidly growing team with excellent training and development support.
- Why this job: Make a real impact in a high-growth fintech with massive global opportunities.
- Qualifications: 5+ years in credit risk with leadership experience and strong analytical skills.
The predicted salary is between 70000 - 90000 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.
- 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.
- Experience working in UK market
- Experience in SME Lending
- 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.
- 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.
Credit Risk Lead - UK Market in London 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 in London
✨Tip Number 1
Network like a pro! Reach out to folks in the credit risk space, especially those who work at companies you're interested in. A friendly chat can open doors and give you insights that job descriptions just can't.
✨Tip Number 2
Prepare for interviews by practising common questions related to credit risk and leadership. We recommend role-playing with a friend or using online resources to get comfortable discussing your experience and how it aligns with the role.
✨Tip Number 3
Showcase your analytical skills! Bring examples of how you've used data to make informed credit decisions. This will demonstrate your expertise and help you stand out as a candidate who can drive performance.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Credit Risk Lead - UK Market in London
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 the job description.
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 our credit risk function and make an impact.
Showcase Your Analytical Skills: Since this role requires a strong analytical mindset, be sure to include examples of how you've used data to make informed 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 confidently will show that you're not just a candidate, but a potential leader in the field.
✨Showcase Your Leadership Skills
Since this role involves managing a team, be prepared to share examples of how you've successfully led teams in the past. Think about specific situations where you mentored someone or improved team performance. This will demonstrate your capability to guide others effectively.
✨Prepare for Stakeholder Scenarios
Expect questions about how you would collaborate with different teams like product, finance, and compliance. Have some scenarios ready where you’ve worked cross-functionally to align risk practices with business needs. This shows you can communicate complex ideas to non-risk audiences.
✨Bring Data to the Table
As a Credit Risk Lead, you'll need to produce and present reports. Be ready to discuss how you've used data analytics in your previous roles to drive decisions. Highlight any tools or methodologies you’re familiar with that could enhance reporting and insights in this new role.