Senior Credit Risk Analyst

YouLend Limited; Atlanta (GA); Hybrid; USD 110,000 - 160,000; Full time

Benefits offered by this job

Health insurance

401K match

Paid time off

Dental plan

Job summary

YouLend Limited is seeking a Senior Credit Risk Analyst to support the US growth agenda from the Atlanta office, blending hybrid work with a strong central risk function in London. You will contribute to credit strategy, risk policy, and portfolio optimization while working with cross-functional teams to deliver high-quality credit decisions.

The role requires 2+ years in credit risk or underwriting, strong quantitative skills, and experience with SQL and Python.

Qualifications

• 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 identify insights in complex data sets and independently develop solutions.
• Strong written and verbal communication skills to explain risk concepts to non-technical audiences.
• Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions.

Responsibilities

• Support the Credit Strategy for the US market.
• Directly contribute to delivery of US business KPIs (growth, profitability, loss rate).
• Collaborate with Credit Risk colleagues across geographic markets to share toolkit and insights.
• Own and deliver key projects supporting the US Credit Strategy development and innovation roadmap.
• Monitor portfolio performance, identify trends in credit quality and losses, and prepare risk reporting for senior management.

Skills

Credit risk

SQL

Python

Underwriting

Tools

SQL

Python

Job description

Senior Credit Risk Analyst

Department: Credit Risk

Employment Type: Permanent

Location: Atlanta

Reporting To: Elliot Jackson

Description

At YouLend 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

Requirements

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

Nice to Have

• 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, 2025 and 2026” 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:

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.
• Strong and transparent team culture, we have each other’s backs.
• Independent work environment where results matter.
• Data-driven culture and emphasis on speed (anti-red tape).

We offer a comprehensive benefits package that includes:

• Health Care Coverage. YouLend covers 80%; employee contribution is 20% of the premium.
• Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare.
• Dental plan coverage
• Vision plan coverage
• Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family
• Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.
• Basic Life & AD&D Insurance.
• International travel insurance covered if traveling abroad for work purposes.
• Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays
• Paid Office Parking