Credit Decisions Analyst - Underwriter (French Speaking)

YouLend; City Of London; On-site; GBP 31,000 - 38,000; Full time

Job summary

A leading FinTech company in London is seeking a Credit Decision Analyst to evaluate merchant applications and manage pricing deals. Responsibilities include assessing repayment abilities, verifying identities, and analyzing credit data. They offer a competitive salary, stock options, and a vibrant workplace culture focused on diversity and growth. Ideal candidates should have 1-2 years of related experience and strong analytical skills.

Benefits

Stock Options

Private Medical insurance

Gym access

Subsidised Lunch

Monthly in-office massage

Team social events

Qualifications

• 1-2 years' experience in a similar role, with strong exposure to underwriting.
• Confident working with numbers and data.
• Strong analytical and presentation skills.

Responsibilities

• Assessing merchants on ability to repay.
• Pricing deals and reviewing credit reports.
• Verifying identity and assessing onboarding risks.

Skills

Underwriting experience

Attention to detail

Data analysis

Excel proficiency

Organizational skills

Team collaboration

Target driven mindset

Job description

About Us

YouLendis a rapidly growing FinTech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.

We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.

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.

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

The ideal candidate will have the following skillset:

• 1-2 years' experience in a similar role, with strong exposure to Underwriting
• 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 focused

WhyjoinYouLend?

• Award-Winning Workplace:YouLendhas been recognised as one of the “Best Places to Workin 2024 and2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.

• Award-Winning Fintech:YouLendhas been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

It’sjust getting fun:

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.

• But the global opportunity is still massive, andYouLendis a raw organisation where we are only just getting started.

Lots ofupsides:

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).

• Well-capitalised with supportive private equity backing.

• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment:

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.

• Strong and transparent team culture, we have each other’s backs.

• Independent work environment where results matter.

• Data-driven culture and emphasis on speed (anti-red tape).

We offer a comprehensive benefits package that includes:

• Stock Options

• Private Medical insurance via Vitality and Dental Insurance with BUPA

• 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 viaFeedr

• Deliveroo Allowance if working late in office

• Monthly in office Masseuse

• Team and Company Socials

• Football Power League /Paddle and Yoga Club

AtYouLend, 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.

Salary Range: £31,000 - £38,000 + 20% OTE Bonus