Capital Market Associate

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: We are seeking a highly motivated and analytical professional to lead portfolio monitoring and pricing decisions, working closely with cross‑functional teams, including Commercial, Risk, and Capital. The ideal candidate will have a strong strategic mindset, excellent communication skills, and the ability to balance commercial objectives, risk tolerance, and financial outcomes to drive optimal pricing strategies. The Capital Market team is responsible for managing relationships with institutional investors that deploy capital via the YouLend platform; tracking performance of the investment mandates; identifying early trends in the market to take relevant actions; and deploying and reporting on the individual portfolios.

Responsibilities:

• Portfolio Monitoring & Performance Analysis: Monitor portfolio performance across products and vintages, ensuring alignment with capital mandates and covenant requirements, and identifying trends, risks, and return drivers to inform pricing and portfolio decisions.
• Asset Allocation & Capital Mandates: Manage asset allocation across capital mandates, ensuring portfolios remain within mandate limits, concentration thresholds, and covenant requirements.
• Pricing Impact & Sensitivity Analysis: Evaluate the impact of pricing changes on portfolio returns, risk metrics, and capital efficiency, including margin, loss, and yield sensitivities.
• Scenario & Stress Testing: Build and run scenario and stress analyses to assess portfolio and pricing outcomes under different macro, credit, and funding assumptions.
• Cross‑Team Collaboration & Reporting: Work closely with commercial, risk, and capital teams to support pricing decisions, and prepare clear analysis and reporting for internal stakeholders.

Candidate Skillset:

• Bachelor's or Master's degree in Finance, Economics, Business, or a related field.
• 3+ years of experience in portfolio pricing, risk management, financial analysis, or a similar role.
• Proven experience collaborating across multiple business units.
• Strong analytical and problem‑solving skills, with proficiency in financial modelling and SQL.
• Excellent communication and interpersonal skills to influence and align cross‑functional teams.
• Advanced proficiency in data analysis tools (e.g., Excel, SQL, Python) and familiarity with business intelligence software.

Desirable Skills:

• Prior experience in small‑medium business financing space, asset‑backed securities, embedded finance platforms.
• Familiarity with AI/ML tools for pricing optimization.
• Comfort with ambiguity.

Benefits:

• 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.
• It’s Just Getting Fun: 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).
• Comprehensive Benefits Package: 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.

EEO Statement: 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.