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For Companies At a Glance
- Tasks: Join our Payments team to manage and optimise payment processes while solving real-world problems.
- Company: YouLend, a fast-growing FinTech with a dynamic culture and global reach.
- Benefits: Enjoy stock options, private medical insurance, gym access, and flexible working arrangements.
- Why this job: Be part of an award-winning workplace and make a tangible impact in the FinTech space.
- Qualifications: Strong analytical skills, problem-solving ability, and a passion for finance and technology.
- Other info: Experience rapid career growth in a supportive, diverse, and high-energy environment.
The predicted salary is between 36000 - 60000 ÂŁ per year.
About Us
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 Role
YouLend has an incredible opportunity available within our dynamic Credit Operations team. You will join our Payments sub-team to build and maintain an in-depth understanding of our platform and provide support to the rest of the business which includes problem solving, data analysis and other ad hoc projects. We are constantly innovating and automating workflow, and you will be expected to contribute your views on how we can continuously improve and better integrate workflows. You will support your Team Lead and agree strategies to improve both our customer service, payments and funding processes.
Responsibilities
- Daily execution of payments, including Faster Payments, International Payments, in line with the agreed cut offs.
- Reconcile the correct allocation of incoming payments within agreed times scales.
- Investigate and correctly resolve payment exceptions, (e.g. rejections, bounce backs, etc.)
- Completing Post Funding Requests in line with SLAs.
- Liaising with internal and external partners regarding payment delays, as applicable, and managing the solution to those delays with the Payments Team Lead.
- Assigning payments from third party debt purchasers.
- Monitoring transactions to identify and prevent fraud.
- Liaise with colleagues and external parties to promptly and effectively answer any payment related queries.
- Ensure service provided is to a high standard and make recommendations to improve and streamline processes and interactions.
- Develop an in-depth understanding of the payments platform.
- Manage your time effectively to ensure all critical tasks are completed and deadlines achieved.
- Ensure timely completion of projects and goals in accordance with engagement and requirements.
- Be the point of contact for payment related queries.
Essential Skills
- Ability to be flexible, quickly learn new skills, and meet uncompromising quality requirements and production expectations while working closely with others in a team environment.
- Ability to work independently; take initiative; and adapt to change.
- Strong problem solving ability.
- Strong processing and analytic skills with the ability to analyse large amounts of data, decipher higher risk attributes, and handle appropriately.
- Strong interpersonal and verbal/written communication skills.
- Must be able to multi-task and thrive in a busy paced, high intensity, high demand and on time environment.
- Demonstrate a strong sense of urgency by responding immediately to escalated issues and rapidly changing priorities.
- Must possess critical thinking, analytic and problem solving skills to be used in operational planning and evaluation.
- Ability to deal with highly confidential information in a professional manner.
The ideal candidate will have the following skillset
- Working knowledge of AML procedures.
- Payments experience in a fintech environment.
- Demonstrated competency with all Microsoft Office products and SQL based product.
- Be ambitious and motivated – as the company grows there will be opportunity for development.
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 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).
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.
- 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.
Payments Specialist employer: YouLend Limited
Contact Detail:
YouLend Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Payments Specialist
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work at YouLend or similar companies. A friendly chat can open doors and give you insights that might just land you an interview.
✨Tip Number 2
Prepare for the interview by understanding YouLend's products and services inside out. Show us you’re not just another candidate; demonstrate your passion for payments and how you can contribute to our innovative culture.
✨Tip Number 3
Practice your problem-solving skills! We love candidates who can think on their feet. Try some mock scenarios related to payment exceptions or fraud detection to showcase your analytical abilities during the interview.
✨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 Payments Specialist
Some tips for your application 🫡
Know Your Stuff: Before you start writing, make sure you understand the Payments Specialist role inside out. Familiarise yourself with the key responsibilities and skills mentioned in the job description. This will help you tailor your application to show how you fit perfectly into our team.
Be Yourself: We want to see the real you! Don’t be afraid to let your personality shine through in your application. Share your experiences and how they relate to the role, but keep it genuine and relatable. We love a bit of character!
Show Off Your Skills: Highlight your relevant skills and experiences that align with what we’re looking for. Whether it's your problem-solving abilities or your knack for data analysis, make sure to back them up with examples. We want to know how you can contribute to our dynamic team!
Apply Through Our Website: When you're ready to submit your application, make sure to do it through our website. It’s the best way to ensure your application gets seen by the right people. Plus, it’s super easy and straightforward!
How to prepare for a job interview at YouLend Limited
✨Know Your Payments Inside Out
Before the interview, make sure you have a solid understanding of payment processes, especially in a fintech context. Familiarise yourself with terms like Faster Payments, International Payments, and AML procedures. This will show that you're not just interested in the role but also knowledgeable about the industry.
✨Show Off Your Problem-Solving Skills
Be prepared to discuss specific examples where you've successfully resolved payment exceptions or handled complex queries. Use the STAR method (Situation, Task, Action, Result) to structure your answers. This will demonstrate your analytical skills and ability to thrive in a fast-paced environment.
✨Communicate Clearly and Confidently
Strong communication is key in this role. Practice articulating your thoughts clearly, both verbally and in writing. You might be asked to explain how you would handle a payment delay or a customer query, so think through your responses beforehand to convey confidence and clarity.
✨Demonstrate Your Team Spirit
YouLend values collaboration, so be ready to share how you've worked effectively within a team. Highlight instances where you've contributed to improving processes or supported colleagues. This will show that you can adapt and thrive in a dynamic team environment.
