Senior Credit Risk Analyst

YouLend

Atlanta (GA)

On-site

USD 90,000 - 130,000

Full time

14 days+

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Benefits offered by this job

Health Care Coverage

401K match

Paid Time Off (PTO)

Job summary

YouLend in Atlanta is seeking a Senior Credit Risk Analyst to support the US credit risk and underwriting functions. You will work with the US team and the central risk function in London to drive credit strategy, policies, and decisioning frameworks for high-quality outcomes.

Join a fast-paced FinTech environment with cross-functional collaboration across Product, Data, Compliance, and Commercial teams to deliver innovative risk strategies and maintain strong portfolio performance.

Qualifications

2+ years of experience in credit risk, underwriting, or related risk management within fintech or financial services.
Understanding of credit underwriting, data science models, risk appetite frameworks and portfolio risk management.
Strong quantitative and deductive reasoning; identify insights in complex data sets.
Excellent written and verbal communication; explain risk concepts to non-technical audiences.
Ability to evaluate financial statements, cash flow, and credit data for risk decisions.
Highly organized; manage multiple priorities in a fast-paced environment.
Proficient in SQL and ideally Python.

Responsibilities

Support the Credit Strategy for the US market.
Contribute to the delivery of US business KPIs (growth, profitability, loss rate).
Collaborate with Credit Risk teams across markets to share insights and risks.
Own and deliver key US Credit Strategy projects and innovations.
Continuously develop the Credit Strategy to maintain market leadership.
Monitor portfolio performance and identify trends in credit quality and losses.
Prepare risk reporting and insights for senior management and Credit Committee.
Foster strong relationships across risk analysts, underwriters and stakeholders.
Adhere to Risk Governance Frameworks and Credit Risk policy in the US market.

Skills

Credit risk

Data analysis

Quantitative reasoning

Communication

Financial statements

Organization

SQL

Python

Tools

SQL

Python

Job description

Senior Credit Risk Analyst

Department: Credit Risk

Employment Type: Permanent

Location: Atlanta

Reporting To: Elliot Jackson

Description

About us:

YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk. We are owned by the leading Private Equity company, EQT, and have grown +100% year on-year since 2020. We are headquartered in London, UK, but are also present in the United States and several European countries where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe

The Role:

We are seeking a Senior Credit Risk Analyst to support the next phase of growth in our US business. This role will be based out of our Atlanta office (hybrid in office 3-4 days per week) working directly with our US team and supported by our central Credit Risk function based in our London headquarters.

In this role, you will support the US credit risk and underwriting team, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the company’s risk appetite and regulatory obligations. You will work closely with senior risk leadership as well as Product, Data, Compliance, and Commercial teams to deliver credit strategy innovations, strong policies, optimised decisioning frameworks, and maintain strong portfolio performance.

This role requires strong credit risk analysis skills and an ability to thrive in a fast paced environment. interpersonal skills will be essential both to collaborate with risk colleagues, business partners and senior management. You will have an opportunity to work on high profile projects which will define and transform our approach to credit strategy.

Key Responsibilities

Overall market Credit Risk

Support the Credit Strategy for the US market

Directly contribute to delivery of US business KPIs (e.g. growth, profitability, loss rate etc.)

Collaborate with Credit Risk colleagues across all geographic markets contributing to global targets by sharing toolkit, insights, innovations and emerging risks

Credit strategy development and innovation

Ownership and delivery of key projects supporting the US Credit Strategy development and innovation roadmap

Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capability

Portfolio performance monitoring and management

Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators.

Prepare risk reporting and insights to senior management including preparing for and supporting Credit Committee discussions

Recommend actions to mitigate emerging risks and optimise portfolio outcomes

Team work

Engage and build strong, trusted relationships across the team of credit risk analysts and underwriters as well as key stakeholders across the wider business

Live our culture and values and contribute to our tenured, talented and recognised centre of Credit Risk excellence

Governance, Compliance and Quality Assurance

Be aware of our Risk Governance Frameworks including Credit Risk Policy and Process documentation in relation to the US market and ensure actions and strategies are always aligned

Skills, Knowledge & Expertise

2+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit

Proven understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management.

Outstanding quantitative and deductive reasoning skills; quickly able to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions

Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences

Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions

Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment

Competent SQL and ideally Python skills

Desirable Skills

Experience in SME Lending

Familiarity with US lending regulations and compliance requirements

Experience working across international teams

Job Benefits

Why join YouLend?

Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work in 2024 and 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.

It’s just getting fun:

We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.

But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides:

High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).

Well-capitalised with supportive private equity backing.

Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment: