Full-Time

Commercial Associate

Updated on 4/30/2025

YouLend

YouLend

201-500 employees

Provides revenue-based financing for merchants

No salary listed

Entry, Junior, Mid

London, UK

Category
Commercial Banking
Finance & Banking
Required Skills
Python
SQL
Tableau
Data Analysis
Snowflake
Excel/Numbers/Sheets
Requirements
  • A strong interest in fintech, partnerships, and commercial strategy.
  • Understanding of commercial metrics, unit economics, and financial concepts (or a strong willingness to learn).
  • Ability to work on multiple projects simultaneously, balancing strategic initiatives and hands-on execution.
  • Strong ability to create clear, structured, and visually compelling presentations for both internal stakeholders and external partners.
  • Comfortable presenting insights and strategic recommendations to senior stakeholders and external partners, ensuring clarity and impact.
  • Strong problem-solving and critical-thinking skills, with the ability to extract insights from large datasets.
  • Experience with SQL and Python is a plus, but not required – a strong willingness to learn is essential.
  • Proficiency in Excel/Google Sheets.
  • Excellent communication skills, with the ability to engage both partners and internal stakeholders effectively.
  • Comfortable working cross-functionally in a fast-moving, high-growth environment.
  • A fast learner who enjoys tackling new challenges.
  • Proactive, self-motivated, and eager to take ownership of projects.
Responsibilities
  • Work closely with Product, Risk, and Operations to optimise partnerships and ensure commercial success.
  • Evaluate commercial performance, customer behaviour, and transaction data to identify trends and opportunities for partner expansion.
  • Analyse data to generate actionable insights for quarterly and monthly partnership meetings, driving partner growth strategies.
  • Support partnership sales, partner management, and RFPs, ensuring we secure and scale key relationships.
  • Present insights, initiatives, and growth strategies to partners in collaboration with the Partnerships team.
  • Facilitate expansion into new markets and geographies, ensuring smooth commercial execution.
  • Develop and maintain financial and commercial models to support pricing strategies, unit economics, and forecasting.
  • Deliver impactful reports and proposals to present to both internal and external stakeholders.
  • Leverage SQL, Python, and data visualisation tools (e.g. Metabase, Snowflake, Tableau) to identify growth opportunities and provide actionable insights.
Desired Qualifications
  • Experience with SQL and Python is a plus, but not required – a strong willingness to learn is essential.

YouLend provides revenue-based financing solutions tailored for merchants in the ecommerce, technology, and payment service sectors. Their platform allows businesses to access quick funding based on their sales performance, enabling them to receive instant payouts from sales without waiting for traditional settlement processes. Repayment is structured as a fixed percentage of sales, which alleviates the pressure of standard loan repayments and supports merchant growth. YouLend serves over 10,000 merchants with a user-friendly application process that typically delivers final offers on the same day and funds the next day. The platform supports both no-code and code-first integrations, allowing businesses to implement it easily. Unlike traditional financing methods, YouLend charges a fee on the funds advanced, aligning its success with the growth of its clients. The goal of YouLend is to help businesses manage their cash flow effectively and invest in growth opportunities.

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

London, United Kingdom

Founded

2015

Simplify Jobs

Simplify's Take

What believers are saying

  • YouLend secured a $1 billion facility to expand U.S. SMB lending.
  • Partnerships with Dojo and Tpay expand YouLend's reach in Europe.
  • Increased demand for embedded financing during peak sales periods boosts YouLend's market potential.

What critics are saying

  • Rising interest rates may increase costs for YouLend and its merchants.
  • Increased competition in embedded finance could erode YouLend's market share.
  • Regulatory scrutiny on fintech lending could raise compliance costs for YouLend.

What makes YouLend unique

  • YouLend offers revenue-based financing, aligning repayment with merchant sales performance.
  • The platform supports both no-code and code-first integrations for quick business onboarding.
  • YouLend provides instant payouts, eliminating the wait for acquirer settlements.

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Benefits

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

Company News

Fintech Futures
Jan 7th, 2025
Video: YouLend at Money20/20 USA 2024 - Fuelling business growth with embedded financing

Video: YouLend at Money20/20 USA 2024 - fuelling business growth with embedded financing.

Crowdfund Insider
Dec 10th, 2024
SumUp to Offer Cash Advance Product, Available in Several European Countries

SumUp has partnered with YouLend to provide the credit.in Germany and France.

Financial News
Dec 4th, 2024
Embedded finance platform giant YouLend teams up with Tpay to introduce financing services for Polish SMEs

YouLend, the leading global embedded finance platform, announces its strategic partnership with Polish payments service operator, Tpay.

FF News
Nov 27th, 2024
Youlend Data Shows Uk Smes Turn To Embedded Financing To Meet Capital Needs Ahead Of Black Friday And Christmas

YouLend, the leading global embedded financing platform, reports that a growing number of UK SMEs are turning to embedded financing to secure vital capital ahead of the most important sales period of the year—Black Friday and Christmas. YouLend data reveals a 30% surge in financing applications leading up to Black Friday in 2024, with ecommerce platforms being the main driver of this jump, illustrating the growing demand for flexible financing options at the point-of-need.As the festive season approaches, many UK small businesses face significant challenges, including inventory shortages, understaffing, and rising costs. These obstacles often prevent SMEs from fully benefitting from the year-end sales surge, even as 72% of consumers plan to shop with small businesses during the holiday season. The pressure is ever more pronounced for e-commerce businesses that are overwhelmed with soaring demand and operational pressure.For instance, during Black Friday weekend in 2023, UK shoppers spent an estimated £13.3 billion—a 7.3% increase in sales. Despite this, many businesses were unprepared for the seasonal rush and lacked the capital needed to fully leverage the increased demand.Looking ahead, embedded finance is emerging as a true lifeline for SMEs. Small businesses operating on platforms that already offer integrated financing solutions can quickly secure fast and convenient capital that enables them to stock up on inventory, launch marketing campaigns, and better manage cash flow

FF News
Nov 12th, 2024
Dojo Partners With Youlend To Expand Flexible Financing To Spanish Businesses

Dojo, a leading provider of payment technology, has joined forces with global embedded financing platform YouLend to introduce flexible, business-friendly financing to its Spanish customers.Thanks to this partnership, Dojo customers can access personalised financing options, empowering them to navigate cash flow challenges or invest in business growth. YouLend’s AI-powered platform analyses key business metrics to offer financing that aligns with the individual needs of each SME.Dojo customers can apply for funding between €3,000 and €100,000, with minimal requirements: businesses must have been operating for at least 3 months and generate more than €1,000 in monthly sales through Dojo’s card machines. Repayment is streamlined, with financing repaid as a fixed percentage of future sales, automatically adjusting based on the business’s revenue flow.This partnership reflects Dojo’s commitment to helping its customers achieve greater growth and scalability while maintaining financial stability. It’s a tailored solution aimed at SMEs and startups, most of whom often struggle to secure financing through traditional means.“More businesses are telling us about the challenges they face when investing in digital transformation to secure their financial future. This partnership provides SMEs with the tools to keep advancing without worrying about their financial footing,” said Jesús Molina, Head of Partners at Dojo Spain.Ariam Rodríguez Pou, Country Head for YouLend Spain, adds: “We’ve been partners with Dojo in the UK since 2020, and we’re thrilled to extend our collaboration to Spain. This partnership reflects the strong demand from Spanish small businesses for fast, flexible, and affordable working capital to invest and take their business to new heights