Senior Credit Risk Analyst - UK

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

Job summary

YouLend Limited is seeking a Senior Credit Risk Analyst to develop and manage tools for evaluating credit risk. This role involves risk analysis, portfolio monitoring, and policy development, ensuring effective risk management strategies. Join an award-winning fintech recognized for its supportive workplace and comprehensive benefits package.

Benefits

Stock Options

Private Medical Insurance via Vitality

Enhanced Maternity and Paternity Leave

Free Gym in office building

Subsidised Lunch via Feedr

Monthly in office Masseuse

Team and Company Socials

Qualifications

• Degree in Finance or related field is required.
• Proficient in SQL and experienced in Credit Risk.
• Strong understanding of credit risk metrics (PD, LGD, EAD).

Responsibilities

• Develop and manage analytical tools for credit risk evaluation.
• Identify trends and risks across customer segments using analytics.
• Deliver actionable insights to optimize risk-adjusted returns.

Skills

SQL

Credit Risk

Data Analysis

Financial Modelling

Data Visualization

Analytical Skills

Problem-Solving

Attention to Detail

Education

Degree in Finance, Statistics, Economics, Mathematics, or related field

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 in Credit Risk
• 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

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.

Salary Range: £60,000 - £80,000 + up to 15% annual bonus.