Senior Credit Risk Analyst, YouLend

United Kingdom

£60-80k

+ Stock Options + Up to 15% annual bonus

SQL

Python

Senior and Expert level

London

Embedded merchant financing

Be an early applicant

Embedded merchant financing

201-500 employees

FintechB2BEnterprisePaymentsInvestingFinancial ServiceseCommerce

Be an early applicant

£60-80k

+ Stock Options + Up to 15% annual bonus

SQL

Python

Senior and Expert level

London

201-500 employees

FintechB2BEnterprisePaymentsInvestingFinancial ServiceseCommerce

Company mission

To enable future financial services to embed their operations within customer-oriented product suites.

Job

Company

Role

Who you are

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

Experience in SME lending
Python

What the job involves

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

Salary benchmarks

Our take

Securing funding can be complicated, arduous and often inaccessible to many companies. YouLend solves this problem by giving eCommerce platforms and tech companies better access to fast and flexible funding.

YouLend has benefited from the boom in the financial services industry, but this also means the company has had to compete with a number of other embedded finance startups, such as Weavr. Despite this, YouLend's focus on online merchants has allowed it to remain competitive in its offering. What's more, the company's revenue-based repayments system differentiates its solution from more established loan options.

YouLend's flexibility and the speed with which merchants can obtain funding has allowed it to gain a foothold in the growing embedded finance market. However, it will need to focus on growing its customer base even further if it wants to scale in this competitive space.

Steph

Company Specialist at Welcome to the Jungle

Insights

39% female employees

101% employee growth in 12 months

Glassdoor (4.1)

Trustpilot (4.8)

Company

Company 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 HQ

Holborn, London, UK

Articles

CTO Talk: Q&A with Mark Ufland from YouLend

Mikkel Velin, Co-CEO at Embedded Lending Provider YouLend, Comments on Challenges Facing UK SMEs

EXCLUSIVE: “One For All” – Anders la Cour, Banking Circle Group and Mikkel Velin, YouLend in ‘Discover Money20/20’

Leadership

Mikkel Sølvsten Velin

(Co-CEO)

Started out as a Junior Associate at Bech-Bruun, and was an External Lecturer at the University of Copenhagen. Was a Partner at Rogge Global Partners (now Allianz Global Investors).

Diversity, Equity & Inclusion at YouLend

Joanne Savage (Talent Acquisition Manager)

At YouLend we’re providing a technology first approach to finance. Our product helps smaller businesses that are the backbone of the economy, and our teams are at the core of delivering our product. We strive to create an equitable culture and we believe our teams are strongest when they are diverse and inclusive.

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