Credit Decisions Analyst (Underwriter) - French Speaking

YouLend; London; On-site; GBP 33,000 - 35,000; Full time

Job summary

A global embedded financing platform in London is seeking a Credit Decision Analyst to assess financial applications and price deals. The ideal candidate should have experience in a similar role and be proficient in data analysis with strong attention to detail. This role offers a salary of £33,000 to £35,000 plus a quarterly performance bonus and comprehensive benefits including stock options and private medical insurance.

Benefits

Stock Options

Private Medical insurance

Free Gym

Cycle to work scheme

Monthly in office Masseuse

Qualifications

• 1-2 years' experience within a similar role.
• Ability to work under pressure.
• Highly organised and reliable.

Responsibilities

• Assessing merchants on ability to repay.
• Pricing deals.
• Reviewing credit reports.

Skills

Attention to detail

Data analysis

Customer-focused

Team player

Fluent in French

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: £33,000 - £35,000 (dependent on experience) +5% quarterly performance bonus

• 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 focused
• Fluent in French and English

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.