Credit Risk Analyst

About Us

You Lend is a rapidly growing Fin Tech 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 partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital  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 several European countries as well as the United States where we service partners such as eBay, Amazon, Just Eat, Shopify, and Stripe.

£40,000 - £60,000 +10% annual bonus

We are seeking a motivated and detail‑oriented Credit Risk Analyst to join our Credit Risk team. The 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.

• Proficiency 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
• Experience in European Markets (ideally France or Germany)

• Experience in SME lending
• Python

• Award‑Winning Workplace:
  Recognised as one of the "Best Places to Work" by the Sunday Times.
• Award‑Winning Fintech:
  Recognised as a "Top 250 Fintech Worldwide" by CNBC.
• High‑growth environment with clear career and bonus potential.
• Well‑capitalised with private equity backing.
• Part of Banking Circle Group with a fully licensed Luxembourg bank, supporting European expansion.
• Comprehensive benefits package:
  Stock options; private medical insurance via Vitality; dental insurance with BUPA; EAP with Health Assured; enhanced maternity and paternity leave; modern office space in Central London; free gym; subsidised lunch;
  Deliveroo allowance for late work; monthly office masseuse; team and company socials; football power league, paddle, and yoga club.

Salary: £40,000 - £60,000 +10% annual bonus

At You Lend, 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.