Portfolio Analytics Associate, YouLend
Plus Stock Options
Embedded merchant financing
Job no longer available
Embedded merchant financing
201-500 employees
Job no longer available
Plus Stock Options
201-500 employees
Company mission
To enable future financial services to embed their operations within customer-oriented product suites.
Role
Who you are
- The ideal candidate will have a strong strategic mindset, excellent communication skills, and the ability to balance commercial objectives, risk tolerance, and financial outcomes to drive optimal pricing strategies
- Bachelor’s or Master’s degree in Finance, Economics, Business, or a related field
- 3+ years of experience in portfolio pricing, risk management, financial analysis, or a similar role
- Proven experience collaborating across multiple business units
- Strong analytical and problem-solving skills, with proficiency in financial modelling and SQL
- Excellent communication and interpersonal skills to influence and align cross-functional teams
- Advanced proficiency in data analysis tools (e.g., Excel, SQL, Python) and familiarity with business intelligence software
Desirable
- Prior experience in small-medium business financing space, asset-backed securities, embedded finance platforms
- Familiarity with AI/ML tools for pricing optimization
- Comfort with ambiguity
What the job involves
- We are seeking a highly motivated and analytical professional to lead portfolio monitoring and pricing decisions, working closely with cross-functional teams, including Commercial, Risk, and Capital
- The Capital Market team is responsible for managing relationships with institutional investors that deploy capital via the YouLend platform; track performances of the investment mandates; identify early trends in the market to take relevant actions; deploy and report on the individual portfolios
- Portfolio Monitoring & Performance Analysis: Monitor portfolio performance across products and vintages, ensuring alignment with capital mandates and covenant requirements, and identifying trends, risks, and return drivers to inform pricing and portfolio decisions
- Asset Allocation & Capital Mandates: Manage asset allocation across capital mandates, ensuring portfolios remain within mandate limits, concentration thresholds, and covenant requirements
- Pricing Impact & Sensitivity Analysis: Evaluate the impact of pricing changes on portfolio returns, risk metrics, and capital efficiency, including margin, loss, and yield sensitivities
- Scenario & Stress Testing: Build and run scenario and stress analyses to assess portfolio and pricing outcomes under different macro, credit, and funding assumptions
- Cross-Team Collaboration & Reporting: Work closely with commercial, risk, and capital teams to support pricing decisions, and prepare clear analysis and reporting for internal stakeholders
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
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
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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