Credit Decisions Analyst (Underwriter) - Europe

YouLend; London; On-site; GBP 31,000 - 35,000; Full time

Job summary

YouLend recherche un analyste en décision de crédit pour aider à évaluer les demandes de financement. Le candidat idéal doit posséder des compétences analytiques solides, une attention aux détails et la capacité de travailler en équipe. Notre culture d'entreprise valorise la diversité et l'impartialité, offrant une rémunération compétitive et des avantages attrayants dans un environnement dynamique à Londres.

Benefits

Stock Options

Private Medical Insurance via Vitality

EAP with Health Assured

Enhanced Maternity and Paternity Leave

Free Gym in office building

Subsidised Lunch via Feedr

Monthly in office Masseuse

Football Power League/Squash Club

Qualifications

• 1-2 ans d'expérience dans un rôle similaire.
• Capacité à travailler sous pression et à analyser des données.
• Confiance dans la présentation des résultats.

Responsibilities

• Évaluer la capacité de remboursement des marchands.
• Tarifer les offres et examiner les rapports de crédit.
• Vérifier l'identité et évaluer les risques d'intégration.

Skills

Attention to detail

Data analysis

Teamwork

Target-driven

Organizational skills

Tools

Excel

Data analysis software

Job description

About Us

YouLend is the preferred global embedded financing platform for many of the world's leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

As a Credit Decision Analyst, you will decision applications and price deals, being responsible for ensuring acceptable terms while deciding the size, duration, and price of an application. You will complete KYC checks using 3rd party tools to verify our customer, flagging high risk applications.

Key Responsibilities

• Assessing merchants on ability to repay
• Pricing deals
• Reviewing credit reports
• Assessing revenue and payment data
• Verifying identity
• Assessing onboarding risks
• Confirming PEP/Sanction matches
• Reviewing Cifas flags
• Assist team members with queries
• Identify and flags problems
• Suggests improvements to processes
  
  
  

Salary: £31,000 - £35,000 (dependent on experience) + 5% performance bonus

Requirements

• 1-2 years' experience within a similar role
• Have excellent attention to detail and be confident working with numbers and data
• Be confident while analysing data and presenting results
• Strong use of excel or any data analysis software
• Be highly organised and reliable
• Ability to work under pressure
• Team player
• Target driven
• Passionate and customer focusses
  
  
  

Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work 2025" by the Sunday Times for being a supportive, diverse, and rewarding workplace
• Award-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBC
  
  
  

We offer comprehensive benefits package that includes:

• 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
• Cycle to work scheme
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Squash Club
  
  

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.