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For Companies At a Glance
- Tasks: Analyze credit risk and develop strategies to manage it effectively.
- Company: YouLend is a leading embedded financing platform for top e-commerce and tech companies.
- Benefits: Enjoy stock options, private medical insurance, gym access, and subsidized lunches.
- Why this job: Join an award-winning fintech recognized for its supportive culture and innovative solutions.
- Qualifications: Degree in Finance or related field; SQL proficiency and credit risk experience required.
- Other info: Work in a modern office in Central London with great team socials and perks.
The predicted salary is between 60000 - 80000 £ per year.
Get AI-powered advice on this job and more exclusive features.
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:
A Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.
- 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
Requirements
- A degree in Finance, Statistics, Economics, Mathematics, or a related field
- Proficient in SQL
- Experience in Credit Risk
- 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
Desirable Skills
- Experience in SME lending
- Python
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised 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 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
- 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: £60,000 – £80,000 + up to 15% annual bonus.
Seniority level
- Mid-Senior level
Employment type
- Full-time
Job function
- Finance and Sales
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Senior Credit Risk Analyst - Europe employer: YouLend
Contact Detail:
YouLend Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst - Europe
✨Tip Number 1
Familiarize yourself with YouLend's business model and the specific credit risk metrics they use, such as PD, LGD, and EAD. Understanding these concepts will help you demonstrate your expertise during interviews.
✨Tip Number 2
Leverage your SQL skills by preparing to discuss how you've used data analysis in previous roles. Be ready to share specific examples of how your analytical tools have impacted credit risk assessments.
✨Tip Number 3
Showcase your experience with data visualization tools. Prepare to discuss how you've used these tools to present complex data in a clear and actionable way, which is crucial for delivering insights at YouLend.
✨Tip Number 4
Highlight any collaborative projects you've worked on with cross-functional teams. Emphasizing your ability to align risk management objectives with business goals will resonate well with YouLend's team-oriented culture.
We think you need these skills to ace Senior Credit Risk Analyst - Europe
Some tips for your application 🫡
Understand the Role: Make sure you fully understand the responsibilities of a Senior Credit Risk Analyst at YouLend. Familiarize yourself with key concepts like credit risk metrics (PD, LGD, EAD) and how they apply to the role.
Highlight Relevant Experience: In your CV and cover letter, emphasize your experience in credit risk analysis, particularly any work involving SQL and data visualization tools. Be specific about your achievements and how they relate to the job description.
Showcase Analytical Skills: Demonstrate your analytical and problem-solving skills in your application. Provide examples of how you've used statistical techniques and data analysis to assess credit risk or improve risk management strategies.
Tailor Your Application: Customize your application materials to reflect YouLend's values and mission. Mention your interest in working for a tech-driven financial services company and how you can contribute to their goals.
How to prepare for a job interview at YouLend
✨Showcase Your Analytical Skills
As a Senior Credit Risk Analyst, you'll need to demonstrate your proficiency in data analysis and statistical techniques. Be prepared to discuss specific examples of how you've utilized these skills in previous roles, particularly in assessing credit risk and developing analytical tools.
✨Understand Credit Risk Metrics
Make sure you have a strong grasp of key credit risk metrics such as Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD). During the interview, be ready to explain how these metrics influence risk management strategies and decision-making.
✨Familiarize Yourself with YouLend's Business Model
Research YouLend's embedded financing platform and its partnerships with major e-commerce sites and tech companies. Understanding their business model will help you align your answers with their objectives and demonstrate your interest in the company.
✨Prepare for Stakeholder Collaboration Questions
Since the role involves working closely with various internal teams, think of examples where you've successfully collaborated with stakeholders from different departments. Highlight your communication skills and ability to align risk management objectives with broader business goals.
