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For Companies At a Glance
- Tasks: Analyze credit applications and determine pricing while ensuring compliance with guidelines.
- Company: YouLend is a leading embedded financing platform for top e-commerce and tech companies.
- Benefits: Enjoy stock options, private medical insurance, and a vibrant office culture with social events.
- Why this job: Join an award-winning fintech recognized for its supportive and diverse workplace culture.
- Qualifications: Ideal candidates have experience in credit risk, finance, or related fields and strong attention to detail.
- Other info: This is an entry-level full-time position with a competitive salary and performance bonuses.
The predicted salary is between 29000 - 31000 £ per year.
Junior Credit Decisions Analyst – Europe
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 decisions analyst, you will use YouLend’s proprietary solutions and guidelines to decide applications and price deals, ensuring acceptable terms while determining the size, duration, and price of an application. You will also recommend terms for KYC and funding checks, contribute ideas to improve ongoing processes, validate the accuracy and completeness of information received for each deal, and liaise with the Credit Risk/Data Science teams to analyze and influence decisions.
Requirements
- Building and documenting localized guidance and policies for our Credit Decisions team
- Testing and providing feedback for our local Credit Risk models
- Assessing merchants on ability to repay by reviewing credit reports, assessing revenue and payment data, and pricing deals
- Methodical and strong attention to detail
- Ability to work under pressure
- Team player / Target orientated
- Experience working in similar industries and/or roles (Credit Risk, Underwriting, Banking, Finance, Accounting etc.)
Benefits
- Award-Winning Workplace: YouLend has been recognized as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
- Award-Winning Fintech: YouLend has been recognized 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
- 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.
Salary range: £29,000 – £31,000 +5% quarterly bonus (based on performance)
Seniority level: Entry level
Employment type: Full-time
Job function: Finance and Sales
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Junior Credit Decisions Analyst - Europe employer: YouLend
Contact Detail:
YouLend Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Junior Credit Decisions Analyst - Europe
✨Tip Number 1
Familiarize yourself with YouLend's proprietary solutions and guidelines. Understanding how our credit risk assessment works will give you an edge in discussions during the interview process.
✨Tip Number 2
Brush up on your knowledge of KYC (Know Your Customer) processes and credit assessment techniques. Being able to discuss these topics confidently will show that you're prepared for the role.
✨Tip Number 3
Network with professionals in the fintech and credit risk sectors. Engaging with industry experts can provide insights into current trends and challenges, which could be beneficial during your interview.
✨Tip Number 4
Prepare to demonstrate your attention to detail and methodical approach. Think of examples from your past experiences where you've successfully managed data or made critical decisions under pressure.
We think you need these skills to ace Junior Credit Decisions Analyst - Europe
Some tips for your application 🫡
Understand the Role: Make sure you fully understand the responsibilities of a Junior Credit Decisions Analyst. Familiarize yourself with credit risk assessment, KYC processes, and the importance of attention to detail in this role.
Tailor Your CV: Highlight relevant experience in finance, credit risk, or similar roles. Emphasize your methodical approach and ability to work under pressure, as these are key traits for the position.
Craft a Strong Cover Letter: In your cover letter, express your enthusiasm for YouLend and the fintech industry. Mention specific reasons why you want to work there and how your skills align with their mission of providing flexible financing solutions.
Showcase Your Analytical Skills: Provide examples in your application that demonstrate your analytical abilities, such as assessing financial data or making informed decisions based on credit reports. This will show that you can handle the responsibilities of the role effectively.
How to prepare for a job interview at YouLend
✨Understand the Role
Make sure you have a clear understanding of what a Junior Credit Decisions Analyst does. Familiarize yourself with credit risk assessment, KYC processes, and how to analyze financial data. This will help you answer questions confidently.
✨Showcase Your Attention to Detail
Since this role requires methodical work and strong attention to detail, be prepared to discuss examples from your past experiences where you demonstrated these skills. Highlight any relevant projects or tasks that required precision.
✨Prepare for Technical Questions
Expect questions related to credit reports, revenue assessment, and pricing deals. Brush up on your knowledge in finance and credit risk to answer these questions effectively. You might also be asked to provide feedback on hypothetical scenarios.
✨Emphasize Teamwork and Communication
As a credit decisions analyst, you'll need to collaborate with various teams. Be ready to discuss your experience working in teams, how you handle pressure, and how you communicate complex information clearly to others.
