Credit Risk Delivery Manager

YouLend; Greater London; Hybrid; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Private Medical Insurance

Dental Insurance

EAP

Office in Central London

Gym in office

Lunch subsidies

Deliveroo allowance

Monthly masseuse

Team socials

Sports clubs

Job summary

YouLend Limited in London seeks a Credit Risk Delivery Manager to lead global risk initiatives, align with risk appetite, and partner with Product, Engineering and Data teams across UK, Europe, and US portfolios.

The role emphasizes delivering on high-profile credit strategy projects, translating analytics into deliverable requirements, and ensuring governance and compliance in a fast-paced environment with strong stakeholder collaboration.

Qualifications

• Proven delivery experience in credit risk or lending technology through project management, business analysis, product ownership or implementation.
• Strong understanding of underwriting, risk appetite, credit strategy and models in automated decisioning.
• Working knowledge of decision engines, rules, data flows and APIs to challenge constraints and implement options.
• Translate analytical recommendations into requirements and coordinate testing and release readiness.
• Practical SQL for data checks and decision reconciliation; knowledge of Python is a plus.
• Experience managing Agile backlogs, dependencies and delivery risks using Jira/Confluence or similar tools.
• Highly organized and able to manage multiple priorities in a fast-paced environment.
• Clear communication and stakeholder management; ability to influence without formal authority.

Responsibilities

• Prioritisation and proposal development: own the global Credit Risk roadmap and backlog and align with risk leadership and technology teams.
• Requirements and platform knowledge: translate proposals into clear requirements, rules and acceptance criteria across markets.
• Delivery and stakeholder management: coordinate delivery, track milestones, and report progress to leadership.
• Teamwork: build trusted relationships across Credit Risk and wider business.
• Governance, Compliance and Quality Assurance: align with Risk Governance Frameworks and policy documentation.

Skills

Credit risk

Project management

Business analysis

Product ownership

Agile / Jira

SQL

Python

Stakeholder management

Communication

Decision engines

Tools

Jira

Confluence

Job description

We are seeking a Credit Risk Delivery Manager to support the next phase of growth. This hybrid role will be based in our London headquarters from where we support all of our global businesses.

In this role, you will support Credit Risk across our UK, European and US portfolios, helping to deliver innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the company's risk appetite and regulatory obligations.

You will work closely with senior risk leadership and the Product, Engineering and Data teams responsible for implementing changes in our platforms, helping to prioritise initiatives, communicate progress to the wider business and remove blockers where necessary. Strong knowledge of decisioning platforms will help you identify what is possible and guide proposals towards delivery.

This role requires strong project delivery skills, fluency in data, analytics and credit risk, technical understanding of credit decisioning systems and an ability to thrive in a fast-paced environment. Interpersonal skills will be essential both to collaborate with risk colleagues, business partners and senior management. You will have an opportunity to work on high profile projects which will define and transform our approach to credit strategy.

Key Responsibilities

Prioritisation and proposal development

• Own the global Credit Risk roadmap and backlog; agree priorities with risk leadership and technology teams.
• Assess feasibility, effort and dependencies with engineers; identify reusable solutions and phased delivery options

Requirements and platform knowledge

• Translate analytical proposals into clear requirements, decision rules, user stories and acceptance criteria, covering exceptions and market differences.
• Build deep knowledge of our platforms, data flows and integrations to shape implementable proposals; resolve ambiguity with analysts and engineers.

Delivery and stakeholder management

• Coordinate delivery from proposal to post-live review, agreeing scope, milestones, owners, quantified business benefit and target dates.
• Track every initiative’s delivery stage, dependencies and blockers; report progress to leadership and the wider business.
• Remove blockers across teams and external providers; escal…

Teamwork

• Engage and build strong, trusted relationships across the Credit Risk team as well as key stakeholders across the wider business
• Live our culture and values and contribute to our tenured, talented and recognised centre of Credit Risk excellence

Governance, Compliance and Quality Assurance

• Be aware of our Risk Governance Frameworks including Credit Risk Policy and Process documentation in relation to the relevant markets and ensure actions and strategies are always aligned

Skills, Knowledge & Expertise

Essential Skills

• Proven delivery experience in credit risk or lending technology, through project management, business analysis, product ownership or implementation
• Strong understanding of underwriting, risk appetite, credit strategy and models in automated decisioning
• Working knowledge of decision engines, rules, data flows and APIs to challenge technical constraints and implementation options
• Ability to translate analytical recommendations into requirements and coordinate testing and release readiness
• Practical SQL for data checks and decision reconciliation; ideally some knowledge of Python
• Experience managing Agile backlogs, dependencies and delivery risks using Jira, Confluence or equivalent tools
• Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment
• Clear communication and strong stakeholder management; able to resolve disagreements and influence without direct authority

Desirable Skills

• Experience in SME lending, commercial credit or embedded finance, ideally across international markets
• Hands-on decision-engine configuration or implementation of credit policies, scorecards or models
• Experience with credit bureaux, open banking or other third-party data integrations
• Awareness of UK, EU or US lending governance and compliance requirements

Job Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work in 2024, 2025 and 2026" 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

It's just getting fun:

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.
• The global opportunity is massive, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides:

• High-growth (>60% year-on-year growth since 2022), 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:

• 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:

• 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 via Feedr
• Deliveroo allowance if working late in office
• Monthly in-office Masseuse
• Team and Company Socials
• Football Power League / Padel and Yoga 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.