Senior Credit Risk Analyst

YouLend; Greater London; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading FinTech company in the UK seeks a Senior Credit Risk Analyst to evaluate and manage credit risk using advanced analytics and statistical techniques. The ideal candidate will have a degree in a relevant field and proficiency in SQL, with experience in credit risk metrics and financial modeling. The role includes developing policies and collaborating with teams to ensure effective risk management. Join a high-growth, award-winning workplace that values diversity and offers an attractive benefits package, including stock options and health insurance.

Benefits

Stock Options

Private Medical Insurance

Enhanced Maternity and Paternity Leave

Free Gym Access

Monthly In-Office Masseuse

Team Socials

Qualifications

• Strong experience in the UK market, particularly in consumer or SME lending.
• Experience with credit scoring systems and credit policy methodologies.
• Proficient in financial modelling.

Responsibilities

• Utilise statistical techniques to assess portfolio-level credit risk.
• Identify trends and risks across customer segments.
• Support the creation of credit risk policies and underwriting strategies.

Skills

SQL

Analytical skills

Problem-solving skills

Attention to detail

Credit risk metrics understanding

Education

Degree in Finance, Statistics, Economics, Mathematics

Tools

Data visualization tools

Python

Job description

About Us

YouLend is 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

We are seeking a Senior Credit Risk Analyst with strong experience in the UK Market, particularly in consumer or SME lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.

Responsibilities

• Risk Analysis: Utilising statistical techniques and data analysis to assess portfolio-level credit risk.
• Portfolio Monitoring: Identifying trends, risks, and opportunities across customer segments using advanced analytics.
• Policy and Strategy Development: Supporting the creation of credit risk policies, underwriting strategies, and pricing.
• Data-Driven Insights: Delivering actionable insights and recommendations to optimise risk-adjusted returns.
• Stakeholder Collaboration: Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.

Ideal Candidate Skillset

• A degree in Finance, Statistics, Economics, Mathematics, or a related field.
• Proficient in SQL.
• Experience with credit scoring systems, credit policy and methodologies.
• Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
• Experience with data visualization tools and techniques.
• Excellent analytical, problem-solving skills and attention to detail.

Desirable Skills

• Experience in SME lending.
• Python.

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024 and 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.

It’s just 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, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides

• 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).

Benefits package

• 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 via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Paddle 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.