Senior Credit Risk Analyst - Europe

YouLend; London; On-site; GBP 45,000 - 70,000; Full time

Job summary

YouLend, a leading embedded financing platform, is seeking a Senior Credit Risk Analyst. In this role, you will develop analytical tools to monitor credit risk, deliver insights for risk management, and collaborate across departments. Join an award-winning workplace renowned for supporting a diverse culture and offering a comprehensive benefits package including stock options and health insurance.

Benefits

Stock Options

Private Medical Insurance

Enhanced Maternity and Paternity Leave

Free Gym

Subsidised Lunch

Deliveroo Allowance

Monthly In-Office Masseuse

Team Socials

Qualifications

• Proficient in SQL and experienced with credit scoring systems.
• Strong understanding of credit risk metrics (PD, LGD, EAD).
• Experience with data visualization and analytical tools.

Responsibilities

• Utilising statistical techniques to assess credit risk.
• Identifying trends and risks across customer segments.
• Supporting development of credit risk policies and strategies.

Skills

Risk Analysis

Data Analysis

Credit Risk Metrics

Problem-Solving

Education

Degree in Finance, Statistics, Economics, Mathematics

Tools

SQL

Data Visualization Tools

Python

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:

A 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.

• 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.

• 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 German market (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.

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
• 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.