Junior Credit Decision Analyst
About The Position
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 several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe. To meet the growing demand for our technology and services, we are currently growing our Credit Decisions Team. We are looking for a Junior Credit Decisions Associate with a strong bias to action who is excited about leveraging technology and design to deliver meaningful business outcomes for our partners and their merchants. As a Junior Credit Decisions Analyst, you will be using YouLend proprietary solutions to decision and price applications. You will be contributing ideas to improve the ongoing processes, validating the accuracy and completeness of information received for each deal and liaising with the Credit Risk/Data Science teams to influence decisions.
Requirements
- Strong analytical mindset with an ability to derive insights from data.
- Detail-oriented and organized, with a focus on accuracy and quality.
- Excellent communication and collaboration skills.
- Curiosity and enthusiasm for learning credit risk management in a fast-growing fintech environment.
- A degree in Finance, Economics, Data Science, or a related field (or equivalent practical experience).
- Experience in a credit, financial analysis, or data-related role (internships included).
- Proficiency in Excel (pivot tables, lookups, data visualization).
- A proactive and adaptable attitude, thriving in a fast-paced, tech-driven environment.
- A passion for using data and technology to drive better business decisions.
Nice To Haves
- Familiarity with SQL or data tools (e.g., Looker, Tableau, Power BI) is a plus.
Responsibilities
- Utilize intermediate Excel skills to analyze, interpret, and visualize key data trends.
- Identify and assess data patterns to support accurate credit decision-making.
- Apply critical thinking to evaluate merchant applications and assess associated risks.
- Underwrite and evaluate deals to determine creditworthiness and risk exposure.
- Collaborate closely with cross-functional teams, including Credit Risk, to ensure alignment in credit decisions.
- Ensure the accuracy, completeness, and consistency of deal information throughout the decisioning process.
- Contribute ideas and feedback to improve operational processes and enhance automation or efficiency.
Benefits
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
