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Junior Credit Decisions Analyst - Europe

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YouLend

5d ago

  • Job
    Full-time
    Junior Level
  • Data
    Banking & Finance
  • London

AI generated summary

  • You should have experience in Credit Risk or similar fields, strong attention to detail, the ability to work under pressure, and be a methodical team player focused on targets.
  • You will analyze credit applications, recommend terms, validate information, collaborate with teams, document guidelines, test models, and review merchants’ financial data under pressure.

Requirements

  • Building and documenting localised guidance and policies for our Credit Decisions team
  • Testing and providing feedback for our local Credit Risk models
  • Assessing merchants on ability to repay by reviewing credit reports, assessing revenue and payment data, and pricing deals
  • Methodical and has strong attention to detail
  • Ability to work under pressure
  • Team player / Target orientated
  • Experience working in similar industries and/or roles (Credit Risk, Underwriting, Banking, Finance, Accounting etc.)

Responsibilities

  • As a credit decisions analyst using YouLend proprietary solutions and guidelines to decision applications and price deals, being responsible for ensuring acceptable terms while deciding the size, duration, and price of an application and recommending terms of the deals for KYC and funding checks. 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 analyse and influence decisions.
  • Building and documenting localised guidance and policies for our Credit Decisions team
  • Testing and providing feedback for our local Credit Risk models
  • Assessing merchants on ability to repay by reviewing credit reports, assessing revenue and payment data, and pricing deals
  • Methodical and has strong attention to detail
  • Ability to work under pressure
  • Team player / Target orientated
  • Experience working in similar industries and/or roles (Credit Risk, Underwriting, Banking, Finance, Accounting etc.)

FAQs

What is the role of a Junior Credit Decisions Analyst at YouLend?

The Junior Credit Decisions Analyst is responsible for using YouLend's proprietary solutions to make decisions on credit applications, determining acceptable terms, and recommending deal terms for KYC and funding checks while collaborating with the Credit Risk and Data Science teams.

What qualifications are required for this position?

Candidates should have experience in similar industries or roles such as Credit Risk, Underwriting, Banking, Finance, or Accounting, possess strong attention to detail, and be methodical in their work.

What is the salary range for this position?

The salary range for the Junior Credit Decisions Analyst role is £31,000, with an additional 5% quarterly bonus based on performance.

What benefits does YouLend offer to its employees?

YouLend offers a comprehensive benefits package that includes stock options, private medical insurance via Vitality, enhanced maternity and paternity leave, a modern office space, subsidized lunch, and various team and company social activities.

Where is the office located?

The YouLend office is located in Central London.

Does YouLend provide support for personal health and well-being?

Yes, YouLend offers private medical insurance, an Employee Assistance Program (EAP) with Health Assured, and amenities like a free gym in the office building.

What kind of company culture does YouLend promote?

YouLend champions diversity and embraces equal opportunity employment practices. It fosters a supportive, diverse, and rewarding workplace, recognized as one of the "Best Places to Work 2024".

Is there an opportunity for career progression in this role?

Yes, YouLend provides opportunities for career development, and decisions on hiring, transfer, and promotion are based on qualifications and merit.

How does YouLend recognize employee performance?

YouLend offers a quarterly bonus system based on performance, along with various team and company social events that contribute to employee recognition.

Are team activities and social events part of the company culture?

Yes, YouLend organizes team and company socials, as well as activities like a Football Power League and Squash Club for employees to engage with each other outside of work tasks.

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YouLend

Enabling e-commerce and payment platforms to support their merchants with fast, flexible embedded finance solutions

Finance
Industry
201-500
Employees
2016
Founded Year

Mission & Purpose

YouLend is the preferred embedded financing platform for many of the world’s leading providers in e-commerce, payments, and tech: eBay, Shopify, Mastercard, Mollie, Google, Just Eat Takeaway, and many more. Our software platform and APIs enable our partners to extend their value proposition by offering flexible financing products in their desired branding to their merchant base without necessarily putting capital at risk. With YouLend's data-backed credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We have offices in London, UK, and Atlanta, Georgia, and we operate across Europe and the United States. To find out more about how we create value for our partners and their customers, visit www.youlend.com or get in touch with a member of our team.