Senior Credit Risk Analyst

Key Responsibilities

• 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

• 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

• 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

• 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

• 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

• 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

• Experience in SME Lending
• Familiarity with US lending regulations and compliance requirements
• Experience working across international teams

Job Benefits

• 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.

• 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.

• 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.

• 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).

• 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