Underwriter (Credit Decisions Analyst)

YouLend Limited; London; On-site; GBP 31,000 - 41,000; Full time

Job summary

A leading fintech company in London is seeking a Credit Decision Analyst to make decisive assessments on loan applications. You will assess merchants’ ability to repay, price deals, and ensure compliance, working closely with KYC processes. This role requires 1-2 years' experience in underwriting, with strong attention to detail and proficiency in data analysis tools. The position offers a competitive salary range of £31,000 - £41,000, plus bonuses and a comprehensive benefits package.

Benefits

Stock Options

Private Medical insurance

Enhanced Maternity and Paternity Leave

Free Gym

Monthly in office Masseuse

Qualifications

• 1-2 years' experience in a similar role with strong exposure to Underwriting.
• Strong use of Excel or any data analysis software.
• Ability to work under pressure.

Responsibilities

• Assessing merchants on ability to repay.
• Pricing deals.
• Reviewing credit reports.
• Assessing revenue and payment data.
• Verifying identity.
• Assessing onboarding risks.
• Confirming PEP/Sanction matches.
• Reviewing Cifas flags.
• Assisting team members with queries.
• Identifying and flagging problems.
• Suggesting improvements to processes.

Skills

Attention to detail

Data analysis

Confidence in presenting results

Organizational skills

Reliability

Team player

Target driven

Customer focused

Tools

Excel

Data analysis software

Job description

The Role

As a Credit Decision Analyst, you will decision applications and price deals, being responsible for ensuring acceptable terms while deciding the size, duration, and price of an application. You will complete KYC checks using 3rd party tools to verify our customer, flagging high risk applications.

Key Responsibilities

• Assessing merchants on ability to repay
• Pricing deals
• Reviewing credit reports
• Assessing revenue and payment data
• Verifying identity
• Assessing onboarding risks
• Confirming PEP/Sanction matches
• Reviewing Cifas flags
• Assist team members with queries
• Identify and flags problems
• Suggests improvements to processes

Salary: £31,000 - £41,000 (dependent on experience) +5% quarterly performance bonus

• 1-2 years\' experience in a similar role, with strong exposure to Underwriting
• Have excellent attention to detail and be confident working with numbers and data
• Be confident while analysing data and presenting results
• Strong use of excel or any data analysis software

• Be highly organised and reliable
• Ability to work under pressure
• Team player
• Target driven
• Passionate and customer focused

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work 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.

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
• Cycle to work scheme
• 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.