YouLend

Revenue-based financing for ecommerce merchants

Senior Credit Risk Analyst

Risk ManagementUpdated on Nov 13

Full-timeLondon, UKNo salary listedHybrid

About the Job

Requirements

At least 2 years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit.
A proven understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management.
Strong quantitative and deductive reasoning skills, including the ability to identify insights in complex multidimensional datasets and independently develop and pursue solutions.
Strong written and verbal communication skills, including the ability to explain risk concepts to nontechnical audiences.
Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions.
Ability to manage multiple priorities in a fast-paced, growth-oriented environment.
Competence in SQL; Python skills are ideal.

Responsibilities

Support the Credit Strategy for the German market.
Contribute directly to business key performance indicators, including growth, profitability, and loss rate.
Collaborate with Credit Risk colleagues across geographic markets, sharing tools, insights, innovations, and emerging risks to contribute to global targets.
Own and deliver key projects supporting the German Credit Strategy development and innovation roadmap.
Continuously develop and innovate Credit Strategy to maintain a market-leading strategic capability.
Monitor portfolio performance and identify trends in credit quality, losses, and early risk indicators.
Prepare risk reporting and insights for senior management, including preparing for and supporting Credit Committee discussions.
Recommend actions to mitigate emerging risks and optimize portfolio outcomes.
Build trusted relationships with credit risk analysts, underwriters, and stakeholders across the business.
Follow the Risk Governance Framework, including Credit Risk Policy and Process documentation for the German market, and ensure actions and strategies remain aligned.

Desired Qualifications

Experience in SME lending.
Familiarity with U.S. lending regulations and compliance requirements.
Experience working in other international markets.

We are seeking a Senior Credit Risk Analyst to support the next phase of growth. This role will be based out of our global headquarters in London from where we support all of global businesses.

In this role, you will support Credit Risk in the German Market, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the company’s risk appetite and regulatory obligations. You will work closely with senior risk leadership as well as Product, Data, Compliance, and Commercial teams to deliver credit strategy innovations, strong policies, optimised decisioning frameworks, and maintain strong portfolio performance.

This role requires strong credit risk analysis skills and an ability to thrive in a fast paced environment. interpersonal skills will be essential both to collaborate with risk colleagues, business partners and senior management. You will have an opportunity to work on high profile projects which will define and transform our approach to credit strategy.

Overall market Credit Risk

Support the Credit Strategy for the German market
Directly contribute to the delivery of the business KPIs (e.g. growth, profitability, loss rate etc.)
Collaborate with Credit Risk colleagues across all geographic markets contributing to global targets by sharing toolkit, insights, innovations and emerging risks.

Credit strategy development and innovation

Ownership and delivery of key projects supporting the German Credit Strategy development and innovation roadmap
Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capability

Portfolio performance monitoring and management

Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators.
Prepare risk reporting and insights to senior management including preparing for and supporting Credit Committee discussions
Recommend actions to mitigate emerging risks and optimise portfolio outcomes

Team work

Engage and build strong, trusted relationships across the team of credit risk analysts and underwriters as well as key stakeholders across the wider business
Live our culture and values and contribute to our tenured, talented and recognised centre of Credit Risk excellence

Governance, Compliance and Quality Assurance

Be aware of our Risk Governance Frameworks including Credit Risk Policy and Process documentation in relation to the German market and ensure actions and strategies are always aligned

2+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit
Proven understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management.
Outstanding quantitative and deductive reasoning skills; quickly able to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions
Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences
Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions
Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment
Competent SQL and ideally Python skills

Desirable Skills

Experience in SME Lending
Familiarity with US lending regulations and compliance requirements
Experience working in other international markets

About the Company

YouLend

Revenue-based financing for ecommerce merchants

YouLend provides revenue-based financing to merchants, letting businesses access funding tied to their sales. Funds are disbursed quickly (offers often the same day, funds next day) and repayments are automatically deducted as a fixed percentage of ongoing sales. The platform supports no-code and API integrations, making it easy to connect and go live, with real-time payouts that don’t wait for acquirer settlements. Its goal is to help merchants grow by offering fast, flexible funding that aligns with revenue and avoids traditional debt payments.

Company size: 501-1,000
Company stage: Not listed
Total funding: Not listed
Headquarters: London, United Kingdom
Founded: 2015

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