At a Glance
- Tasks: Make credit decisions and assess merchant applications daily.
- Company: YouLend is a leading global embedded financing platform for top e-commerce and tech companies.
- Benefits: Enjoy stock options, private medical insurance, and a free gym in the office.
- Other info: Be part of a diverse team in a modern office in Central London.
- Why this job: Join an award-winning workplace with a supportive culture and exciting fintech innovations.
- Qualifications: 1-2 years of experience, fluent in French and English, and strong analytical skills required.
The predicted salary is between 26400 - 28000 £ per year.
Credit Decisions Analyst (Underwriter) - French Speaking
Credit Decisions Analyst (Underwriter) - French Speaking
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This range is provided by YouLend. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range
About Us
YouLend is the preferred global embedded financing platform for many of the world's leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role
As a Credit Decision Analyst, you will decision applications and price deals, being responsible for ensuring acceptable terms while deciding the size, duration, and price of an application. You will complete KYC checks using 3rd party tools to verify our customer, flagging high risk applications.
Key Responsibilities
- Assessing merchants on ability to repay
- Pricing deals
- Reviewing credit reports
- Assessing revenue and payment data
- Verifying identity
- Assessing onboarding risks
- Confirming PEP/Sanction matches
- Reviewing Cifas flags
- Assist team members with queries
- Identify and flags problems
- Suggests improvements to processes
Salary: £33,000 - £35,000 (dependent on experience) +5% quarterly performance bonus
Requirements
- 1-2 years' experience within a similar role
- Have excellent attention to detail and be confident working with numbers and data
- Be confident while analysing data and presenting results
- Strong use of excel or any data analysis software
- Be highly organised and reliable
- Ability to work under pressure
- Team player
- Target driven
- Passionate and customer focused
- Fluent in French and English
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work 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 offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- 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
- Cycle to work scheme
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash 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.
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Credit Decisions Analyst (Underwriter) - French Speaking in London employer: YouLend
YouLend is an exceptional employer that fosters a dynamic and collaborative work culture in the heart of London. With a strong emphasis on employee growth, we offer numerous opportunities for professional development and career advancement, ensuring that our team members are equipped to thrive in their roles. Our commitment to innovation and strategic thinking not only drives company success but also empowers our employees to make meaningful contributions to the business narrative.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Decisions Analyst (Underwriter) - French Speaking in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like YouLend. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Decisions Analyst (Underwriter) - French Speaking in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to YouLend.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on YouLend's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at YouLend
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with YouLend.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at YouLend will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former YouLend employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
