Senior Credit Risk Analyst
Atlanta, GA · On-site
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 ...
Senior Credit Risk Analyst
Atlanta, GA · On-site
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 ...
YouLend Limited in Atlanta, GA is seeking a Head of Sales to own and scale the US sales team, driving conversion, funded volume, and exceptional merchant experience. You will collaborate with ...
New
YouLend Limited in Atlanta, GA is seeking a Head of Sales to own and scale the US sales team, driving conversion, funded volume, and exceptional merchant experience. You will collaborate with ...
New
Head of Collections, US
Atlanta, GA · On-site
$180 - $240/hr
Kasper Thomsen Description The mandate YouLend is hiring a Head of Collections, US to take ownership of collections performance across the US. The business is rapidly expanding in the market (+100 ...
Head of Collections, US
Atlanta, GA · On-site
$180 - $240/hr
Kasper Thomsen Description The mandate YouLend is hiring a Head of Collections, US to take ownership of collections performance across the US. The business is rapidly expanding in the market (+100 ...
Head of Collections, US
Atlanta, GA · On-site
$180 - $240/hr
Kasper Thomsen Description The mandate YouLend is hiring a Head of Collections, US to take ownership of collections performance across the US. The business is rapidly expanding in the market (+100 ...
Head of Collections, US
Atlanta, GA · On-site
$180 - $240/hr
Kasper Thomsen Description The mandate YouLend is hiring a Head of Collections, US to take ownership of collections performance across the US. The business is rapidly expanding in the market (+100 ...
HR Manager (US)
Atlanta, GA · On-site
Free Food & Snacks in the office YouLend champions diversity and equal opportunity employment. Hiring, transfer, and promotion decisions are based exclusively on qualifications, merit, and business ...
HR Manager (US)
Atlanta, GA · On-site
Free Food & Snacks in the office YouLend champions diversity and equal opportunity employment. Hiring, transfer, and promotion decisions are based exclusively on qualifications, merit, and business ...
HR Generalist
Atlanta, GA · On-site
Free Food & Snacks in the office YouLend champions diversity and equal opportunity employment. Hiring, transfer, and promotion decisions are based exclusively on qualifications, merit, and business ...
HR Generalist
Atlanta, GA · On-site
Free Food & Snacks in the office YouLend champions diversity and equal opportunity employment. Hiring, transfer, and promotion decisions are based exclusively on qualifications, merit, and business ...
Head of Collections
Atlanta, GA · On-site
Kasper Thomsen Description The mandate YouLend is hiring a Head of Collections, US to take ownership of collections performance across the US. The business is rapidly expanding in the market (+100 ...
Head of Collections
Atlanta, GA · On-site
Kasper Thomsen Description The mandate YouLend is hiring a Head of Collections, US to take ownership of collections performance across the US. The business is rapidly expanding in the market (+100 ...
HR Manager (US)
Atlanta, GA · On-site
$85 - $120/hr
Free Food & Snacks in the office YouLend champions diversity and equal opportunity employment. Hiring, transfer, and promotion decisions are based exclusively on qualifications, merit, and business ...
HR Manager (US)
Atlanta, GA · On-site
$85 - $120/hr
Free Food & Snacks in the office YouLend champions diversity and equal opportunity employment. Hiring, transfer, and promotion decisions are based exclusively on qualifications, merit, and business ...
HR Manager (US)
Atlanta, GA · On-site
$90 - $120/hr
Free Food & Snacks in the office YouLend champions diversity and equal opportunity employment. Hiring, transfer, and promotion decisions are based exclusively on qualifications, merit, and business ...
HR Manager (US)
Atlanta, GA · On-site
$90 - $120/hr
Free Food & Snacks in the office YouLend champions diversity and equal opportunity employment. Hiring, transfer, and promotion decisions are based exclusively on qualifications, merit, and business ...
Head of Sales (Atlanta)
Atlanta, GA · On-site
Mathias Søberg Description About us 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 ...
New
Head of Sales (Atlanta)
Atlanta, GA · On-site
Mathias Søberg Description About us 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 ...
New
Youlend information
What does Youlend do?
Youlend is a platform that connects borrowers with lenders for personal or business loans. It facilitates loan applications, credit assessments, and fund transfers, often requiring financial documentation and credit checks for approval.
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Medical, Dental, Vision, Life, Retirement, PTO
Posted 26 days ago
Key responsibilities
Support the US credit risk and underwriting team in credit strategy initiatives.
Monitor portfolio performance, identify trends, and prepare risk reports for senior management.
Collaborate with risk colleagues and stakeholders to develop and innovate credit strategies.
Job description
Senior Credit Risk Analyst
Department: Credit Risk
Employment Type: Permanent
Location: Atlanta
Reporting To: Elliot Jackson
Description
About us:
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 the United States and several European countries where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe
The Role:
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
Credit strategy development and innovation
Portfolio performance monitoring and management
Team work
Governance, Compliance and Quality Assurance
Skills, Knowledge & Expertise
Desirable Skills
Job Benefits
Why join YouLend?
It's just getting fun:
Lots of upsides:
Motivating work environment:
We offer a comprehensive benefits package that includes:
Department: Credit Risk
Employment Type: Permanent
Location: Atlanta
Reporting To: Elliot Jackson
Description
About us:
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 the United States and several European countries where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe
The Role:
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
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
Desirable Skills
- 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 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.
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