Senior Credit Risk Manager

YouLend; London; On-site; GBP 60,000 - 100,000; Full time

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

We are looking for an experienced Senior Credit Risk Manager to join the Credit Risk team at YouLend. In this role, you will oversee credit portfolios across the UK, EU, and US, lead a team of analysts, and develop data-driven strategies that deliver direct commercial impact.

Responsibilities:

1. Develop and implement credit risk strategies across various portfolios to support business growth and profitability.
2. Lead and mentor a team of analytics professionals to execute projects that impact business performance.
3. Design and optimise underwriting procedures to enhance commercial outcomes across credit risk and other key business areas.
4. Work closely with senior stakeholders, using data-driven insights to influence strategic decisions.
5. Utilise SQL regularly to develop strategies for credit risk management.
6. Partner with cross-functional teams to create innovative, data-led strategies.

Requirements

1. Strong experience in credit risk analytics, underwriting policies and credit strategy in an SME or unsecured consumer lending company. (8+ years)
2. A proven track record in leading large analytics teams and managing high-impact projects.
3. Expertise in SQL and/or Python for data analytics.
4. The ability to develop commercially focused business models that drive strategic outcomes.
5. Excellent communication and stakeholder management skills, with the ability to influence at all levels.

Benefits

Why join YouLend?

1. 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.
2. Award-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBC.

We offer a comprehensive benefits package that includes:

1. Stock Options
2. Private Medical insurance via Vitality
3. EAP with Health Assured
4. Enhanced Maternity and Paternity Leave
5. Modern and sophisticated office space in Central London
6. Free Gym in office building in Holborn
7. Subsidised Lunch via Feedr
8. Deliveroo Allowance if working late in office
9. Monthly in office Masseuse
10. Team and Company Socials
11. 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.