Senior Credit Risk Analyst

About Us

You Lend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With You Lend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding.

We operate in 9+ geographies across the UK, EU and the US.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

A Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.

• 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.

• A degree in Finance, Statistics, Economics, Mathematics, or a related field.
• Proficient in SQL.
• Experience in Credit Risk.
• 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.

• Experience in SME lending
• Python

• Health Care Coverage:
  You Lend 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 for work-related travel
• PTO - 20 working days (4 weeks) + US public holidays
• Paid Office Parking

At You Lend, we are actively creating an equitable and inclusive environment for every You Lender to thrive. We champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion process are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.