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For Companies At a Glance
- Tasks: Analyze credit risk using data and statistical techniques to optimize financial strategies.
- 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: Salary ranges from £60,000 to £80,000 with up to 15% annual bonus.
The predicted salary is between 60000 - 80000 £ per year.
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 a 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 - UK employer: YouLend
Contact Detail:
YouLend Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst - UK
✨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 explain 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
Network with current or former employees of YouLend on platforms like LinkedIn. Engaging with them can provide valuable insights into the company culture and expectations, which can be beneficial during your application process.
We think you need these skills to ace Senior Credit Risk Analyst - UK
Some tips for your application 🫡
Understand the Role: Make sure you fully understand the responsibilities of a Senior Credit Risk Analyst at YouLend. Highlight your experience with risk analysis, portfolio monitoring, and data-driven insights in your application.
Tailor Your CV: Customize your CV to reflect your relevant skills and experiences, particularly in credit risk metrics and financial modeling. Use specific examples that demonstrate your analytical and problem-solving abilities.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for fintech and your understanding of YouLend's mission. Mention how your background in finance or statistics aligns with their needs and how you can contribute to their goals.
Highlight Technical Skills: Emphasize your proficiency in SQL and any experience with data visualization tools. If you have knowledge of Python, make sure to include that as well, as it is a desirable skill for this position.
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 statistical techniques and data analysis. Be prepared to discuss specific examples of how you've utilized these skills in previous roles, particularly in assessing credit risk.
✨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). Be ready to explain how these metrics influence risk management strategies and decision-making.
✨Prepare for Stakeholder Collaboration Questions
Since the role involves working with various internal teams, think of examples where you've successfully collaborated with stakeholders. Highlight your communication skills and how you align risk management objectives with business goals.
✨Familiarize Yourself with YouLend's Products
Research YouLend's embedded financing solutions and understand how they integrate with e-commerce platforms. Being knowledgeable about the company's offerings will show your genuine interest and help you articulate how you can contribute to their success.
