Senior Credit Risk Analyst
Description
We are seeking a Senior Credit Risk Analyst with strong experience in the UK Market, particularly in consumer or SME lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.
Key Responsibilities
- 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.
Skills, Knowledge and Expertise
- A degree in Finance, Statistics, Economics, Mathematics, or a related field.
- Proficient in SQL.
- Experience with credit scoring systems, credit policy and methodologies
- 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.
- Python
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
- But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.
- 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).
- Stock Options
- Private Medical insurance via Vitality and Dental Insurance with BUPA
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Paddle and Yoga Club
About YouLend
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% yearon\-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
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