Senior Credit Risk Analyst - Europe

YouLend; City Of London; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading fintech company in the UK is seeking a Senior Credit Risk Analyst with strong experience in the German market for consumer or SME lending. The role involves developing analytical tools, monitoring credit risk across portfolios, and collaborating with various stakeholders to ensure effective strategies. Candidates should have a degree in a relevant field and proficiency in SQL.

Benefits

Stock Options

Private Medical insurance

Dental Insurance

Enhanced Maternity and Paternity Leave

Free Gym

Subsidised Lunch

Deliveroo Allowance

Monthly in office Masseuse

Team and Company Socials

Qualifications

• Degree in a related field.
• Proficient in SQL.
• Experience with credit scoring systems in Europe, ideally France or Germany.
• Strong understanding of credit risk metrics and financial modelling.
• Experience with data visualization tools.

Responsibilities

• Utilize statistical techniques to assess credit risk.
• Identify trends and risks across customer segments.
• Support creation of credit risk policies and strategies.
• Deliver actionable insights for risk optimization.
• Collaborate with internal teams to align objectives.

Skills

SQL

Credit risk metrics (PD, LGD, EAD)

Financial modelling

Data visualization

Analytical problem-solving skills

Education

Degree in Finance, Statistics, Economics, Mathematics

Tools

Python

Job description

Overview

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 Take payments. 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.

Role

We are seeking a Senior Credit Risk Analyst with strong experience in the German 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.

Qualifications

• A degree in Finance, Statistics, Economics, Mathematics, or a related field.
• Proficient in SQL.
• Experience with credit scoring systems, credit policy and methodologies in the European market, ideally France or Germany (consumer or SME)
• 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 2024” 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.

Benefits

• 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

Equal Opportunity Statement: 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.