YouLend

Revenue-based financing for ecommerce merchants

Credit Risk Delivery Manager

Program ManagementUpdated on Nov 13

Full-timeLondon, UKNo salary listed

About the Job

Requirements

Proven delivery experience in credit risk or lending technology through project management, business analysis, product ownership, or implementation.
Strong understanding of underwriting, risk appetite, credit strategy, and models in automated decisioning.
Working knowledge of decision engines, rules, data flows, and APIs to assess technical constraints and implementation options.
Ability to translate analytical recommendations into requirements and coordinate testing and release readiness.
Practical SQL skills for data checks and decision reconciliation; some knowledge of Python is desirable.
Experience managing Agile backlogs, dependencies, and delivery risks using Jira, Confluence, or equivalent tools.
Ability to manage multiple priorities in a fast-paced, growth-oriented environment.
Clear communication and stakeholder management skills, including resolving disagreements and influencing without direct authority.

Responsibilities

Own the global Credit Risk roadmap and backlog, agreeing priorities with risk leadership and technology teams.
Assess feasibility, effort, and dependencies with engineers; identify reusable solutions and phased delivery options.
Translate analytical proposals into clear requirements, decision rules, user stories, and acceptance criteria, covering exceptions and market differences.
Build knowledge of platforms, data flows, and integrations to shape implementable proposals; resolve ambiguity with analysts and engineers.
Coordinate delivery from proposal to post-live review, agreeing scope, milestones, owners, quantified business benefit, and target dates.
Track each initiative’s delivery stage, dependencies, and blockers; report progress to leadership and the wider business.
Remove blockers across teams and external providers; escalate unresolved issues with clear recommendations.
Build trusted relationships across the Credit Risk team and key stakeholders across the wider business.
Follow the Risk Governance Frameworks, including Credit Risk Policy and Process documentation for relevant markets, and ensure actions and strategies remain aligned.

Desired Qualifications

Some knowledge of Python.
Experience in SME lending, commercial credit, or embedded finance, ideally across international markets.
Hands-on decision-engine configuration or implementation of credit policies, scorecards, or models.
Experience with credit bureaux, open banking, or other third-party data integrations.
Awareness of UK, EU, or US lending governance and compliance requirements.

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

In this role, you will support Credit Risk across our UK, European and US portfolios, helping to deliver 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 and the Product, Engineering and Data teams responsible for implementing changes in our platforms, helping to prioritise initiatives, communicate progress to the wider business and remove blockers where necessary. Strong knowledge of decisioning platforms will help you identify what is possible and guide proposals towards delivery.

This role requires strong project delivery skills, fluency in data, analytics and credit risk, technical understanding of credit decisioning systems 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.

Prioritisation and proposal development

Own the global Credit Risk roadmap and backlog; agree priorities with risk leadership and technology teams.
Assess feasibility, effort and dependencies with engineers; identify reusable solutions and phased delivery options

Requirements and platform knowledge

Translate analytical proposals into clear requirements, decision rules, user stories and acceptance criteria, covering exceptions and market differences.
Build deep knowledge of our platforms, data flows and integrations to shape implementable proposals; resolve ambiguity with analysts and engineers.

Delivery and stakeholder management

Coordinate delivery from proposal to post-live review, agreeing scope, milestones, owners, quantified business benefit and target dates.
Track every initiative’s delivery stage, dependencies and blockers; report progress to leadership and the wider business.
Remove blockers across teams and external providers; escalate unresolved issues with clear recommendations.

Teamwork

Engage and build strong, trusted relationships across the Credit Risk team 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 relevant markets and ensure actions and strategies are always aligned

Essential Skills

Proven delivery experience in credit risk or lending technology, through project management, business analysis, product ownership or implementation
Strong understanding of underwriting, risk appetite, credit strategy and models in automated decisioning
Working knowledge of decision engines, rules, data flows and APIs to challenge technical constraints and implementation options
Ability to translate analytical recommendations into requirements and coordinate testing and release readiness
Practical SQL for data checks and decision reconciliation; ideally some knowledge of Python
Experience managing Agile backlogs, dependencies and delivery risks using Jira, Confluence or equivalent tools
Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment
Clear communication and strong stakeholder management; able to resolve disagreements and influence without direct authority

Desirable Skills

Experience in SME lending, commercial credit or embedded finance, ideally across international markets
Hands-on decision-engine configuration or implementation of credit policies, scorecards or models
Experience with credit bureaux, open banking or other third-party data integrations
Awareness of UK, EU or US lending governance and compliance requirements

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

Recently Posted Jobs

Explore more opportunities at YouLend

See more jobs