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- Tasks: Analyse credit risk and develop strategies to optimise returns using data-driven insights.
- Company: YouLend, a rapidly growing FinTech with a supportive and diverse culture.
- Benefits: Stock options, private medical insurance, gym access, and enhanced parental leave.
- Why this job: Join an award-winning team and make a real impact in the FinTech space.
- Qualifications: Degree in Finance or related field, proficient in SQL, and strong analytical skills.
- Other info: Dynamic work environment with excellent career growth opportunities and a focus on teamwork.
The predicted salary is between 36000 - 60000 ÂŁ per year.
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.
We are seeking a Senior Credit Risk Analyst with strong experience in the UK Market, particularly in consumer or SME lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.
Responsibilities- Risk Analysis: Utilising statistical techniques and data analysis to assess portfolio-level credit risk.
- Portfolio Monitoring: Identifying trends, risks, and opportunities across customer segments using advanced analytics.
- Policy and Strategy Development: Supporting the creation of credit risk policies, underwriting strategies, and pricing.
- Data-Driven Insights: Delivering actionable insights and recommendations to optimise risk-adjusted returns.
- Stakeholder Collaboration: Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.
- A degree in Finance, Statistics, Economics, Mathematics, or a related field.
- Proficient in SQL.
- Experience with credit scoring systems, credit policy and methodologies.
- Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
- Experience with data visualization tools and techniques.
- Excellent analytical, problem-solving skills and attention to detail.
- Experience in SME lending.
- Python.
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.
- 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.
Senior Credit Risk Analyst employer: YouLend Limited
Contact Detail:
YouLend Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with current employees at YouLend. A personal touch can make all the difference when it comes to landing that interview.
✨Tip Number 2
Prepare for the interview by diving deep into YouLend's values and recent achievements. Show us you’re not just another candidate; demonstrate your passion for our mission and how your skills align with our goals.
✨Tip Number 3
Practice your analytical skills! Be ready to discuss real-world scenarios where you've successfully managed credit risk or developed strategies. We love data-driven insights, so come armed with examples.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets the attention it deserves. Plus, we’re always on the lookout for talent that fits our dynamic culture.
We think you need these skills to ace Senior Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Risk Analyst role. Highlight your experience in consumer or SME lending, and don’t forget to showcase your skills in SQL and credit risk metrics. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk analysis and how your background aligns with our mission at YouLend. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: In your application, be sure to highlight specific examples of how you've used data analysis to drive decisions in previous roles. We’re looking for someone who can deliver actionable insights, so let us know how you’ve done this before!
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 awesome team at YouLend!
How to prepare for a job interview at YouLend Limited
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll need to be comfortable with credit risk metrics like PD, LGD, and EAD. Brush up on these concepts and be ready to discuss how you've applied them in your previous roles. This shows you understand the core of the job and can hit the ground running.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess. Bring examples of how you've used SQL or data visualisation tools to derive insights from complex datasets. Be specific about the impact your analyses had on decision-making or risk management strategies in your past positions.
✨Understand the Business
YouLend operates in a fast-paced FinTech environment, so it's crucial to understand their business model and the e-commerce landscape. Research their partners like eBay and Amazon, and think about how your role as a Senior Credit Risk Analyst can support their growth and risk management needs.
✨Collaborative Mindset
The role involves working closely with various teams, so be prepared to discuss your experience in stakeholder collaboration. Share examples of how you've aligned risk management objectives with business goals, and highlight your ability to communicate complex ideas clearly to non-technical stakeholders.
