Portfolio Management Associate, Data & Analytics

We are seeking a Portfolio Management Associate, Data & Analytics to join our Capital Markets team. You will build the code and data models that monitor our capital mandates, and own the performance and scenario analysis that goes to our lenders, investors and senior management — the infrastructure and the interpretation.

Key Responsibilities

• Own portfolio monitoring for our capital mandates end to end — write the code that produces the numbers, then own the read on what they mean and what we should do about it.
• Build and automate the monitoring and reporting that tracks performance, covenant headroom and facility utilisation, replacing manual processes with pipelines that run themselves.
• Design the dashboards and visualisations that senior executives, lenders and investors rely on, and stand behind the accuracy and the commentary that goes with them.
• Assess and manage the performance of underlying capital mandates: vintage and cohort analysis, loss curves, yield and advance-rate decomposition, and the early-warning indicators that flag problems before month end.
• Build the scenario and sensitivity analysis — stress cases, downside macro scenarios and structural what-ifs — and interpret the output to inform capital allocation, facility sizing and pricing decisions.
• Develop and maintain cashflow and waterfall models supporting portfolio decision-making, new facility structuring and refinancing.
• Write production-quality SQL and Python and build database tables and dbt models alongside our data engineering teams, so that monitoring is self-serve rather than a recurring manual task.
• Bring engineering discipline to analytical work — version control, code review, testing and documentation — and help set that standard across the team.
• Translate analysis into a clear recommendation: identify the trend, size the impact, and communicate it directly to senior stakeholders and external counterparties.

Skills, Knowledge & Expertise

• 3–5 years of experience in data analytics, capital markets, structured finance, credit risk or a comparable quantitative role — ideally within Finance or FinTech.
• Strong academic background including at least a Bachelor’s degree (Mathematics, Engineering, Statistics, Computer Science, Computational Finance, Economics) or equivalent.
• Advanced, hands‑on SQL and Python — you build and maintain analytical code and automation yourself rather than specifying it for someone else.
• The analytical judgement to go with it: you can interpret what you have built, spot when a number is wrong, and know when a model is answering the wrong question.
• Demonstrated experience with data visualisation tools (e.g. Tableau, Power BI, Looker), including building and owning dashboards that other people depend on.
• Solid grounding in financial analysis and cashflow modelling.
• Exceptional communication skills, with a track record of delivering insight to diverse and senior stakeholders.

Job Benefits

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024, 2025 and 2026” 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: 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.