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- Tasks: Join us as a Loan Underwriter, shaping the future of SME financing in Germany.
- Company: YouLend is a leading global embedded financing platform for top e-commerce and tech companies.
- Benefits: Enjoy stock options, private medical insurance, gym access, and subsidised lunches.
- Why this job: Be part of an award-winning fintech, recognised for its supportive and diverse workplace culture.
- Qualifications: 3-5+ years in SME loan underwriting with strong knowledge of German credit practices required.
- Other info: Work in a modern office in Central London with great team socials and perks.
The predicted salary is between 36000 - 60000 £ per year.
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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.
About The Role
We are looking for a proactive and analytical Loan Underwriter to join our European team and take full ownership of the underwriting function for the German market. You will be instrumental in setting up and optimising the underwriting framework from the ground up. This is a unique opportunity to combine hands-on underwriting and strategic process building in a fast-growing fintech environment.
Key Responsibilities
- Design and set up the full underwriting process for SME loans in Germany, aligning with local regulatory and market expectations.
- Conduct in-depth financial analysis, reviewing creditworthiness of businesses using financial statements, cash flow, credit reports, and sector-specific insights.
- Assess and underwrite deals in real-time, using a combination of automated and manual decisioning tools.
- Partner with product, data, and engineering teams to integrate underwriting logic into scalable platform tools.
- Serve as the go-to subject matter expert on underwriting in the German SME lending space.
Requirements
- 3-5+ years of experience in SME or commercial loan underwriting, with deep understanding of German credit practices and financial documentation.
- Familiarity with German regulatory environment (e.g., BaFin, KWG) as it pertains to credit risk.
- Comfortable working in a fast-paced, entrepreneurial setting with ambiguity and autonomy.
- Native-level German; fluent English is required.
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the \”Best Places to Work 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
We offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality and dental 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 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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SME Loan Underwriter - German market employer: YouLend
Contact Detail:
YouLend Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land SME Loan Underwriter - German market
✨Tip Number 1
Familiarise yourself with the German credit practices and regulatory environment, especially BaFin and KWG. This knowledge will not only help you in interviews but also demonstrate your commitment to understanding the local market.
✨Tip Number 2
Network with professionals in the fintech and SME lending sectors, particularly those who have experience in the German market. Attend industry events or webinars to make connections that could lead to valuable insights or referrals.
✨Tip Number 3
Showcase your analytical skills by preparing case studies or examples of past underwriting experiences. Be ready to discuss how you approached financial analysis and decision-making in previous roles, particularly in a fast-paced environment.
✨Tip Number 4
Research YouLend’s products and their integration into e-commerce platforms. Understanding their technology and how it impacts the underwriting process will give you an edge in discussions about how you can contribute to their team.
We think you need these skills to ace SME Loan Underwriter - German market
Some tips for your application 🫡
Understand the Role: Before applying, make sure to thoroughly understand the responsibilities and requirements of the SME Loan Underwriter position. Familiarise yourself with the key tasks such as financial analysis and underwriting processes specific to the German market.
Tailor Your CV: Customise your CV to highlight relevant experience in SME or commercial loan underwriting. Emphasise your understanding of German credit practices and any familiarity with the regulatory environment, such as BaFin and KWG.
Craft a Compelling Cover Letter: Write a cover letter that showcases your analytical skills and proactive approach. Mention specific examples of how you've successfully managed underwriting processes or contributed to financial assessments in previous roles.
Highlight Language Proficiency: Since native-level German and fluent English are required, ensure you clearly state your language proficiency in your application. If applicable, provide examples of how you've used these languages in a professional context.
How to prepare for a job interview at YouLend
✨Understand the German Market
Make sure to brush up on your knowledge of the German SME lending landscape. Familiarise yourself with local credit practices, regulatory requirements, and market expectations. This will show your potential employer that you are proactive and well-prepared.
✨Showcase Your Analytical Skills
As a Loan Underwriter, you'll need to demonstrate strong analytical abilities. Be ready to discuss your experience in conducting financial analyses and assessing creditworthiness. Prepare examples of how you've successfully underwritten loans in the past.
✨Highlight Your Collaborative Spirit
YouLend values teamwork, so be prepared to talk about your experience working with cross-functional teams. Share examples of how you've partnered with product, data, or engineering teams to enhance underwriting processes or tools.
✨Prepare Questions About the Role
Show your interest in the position by preparing thoughtful questions about the underwriting framework and the company's future plans. This not only demonstrates your enthusiasm but also helps you assess if the role aligns with your career goals.