Junior Credit Decision Analyst

About us

You Lend is a rapidly growing Fin Tech 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 several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.

The Role:

To meet the growing demand for our technology and services, we are currently growing our Credit Decisions Team. We are looking for a Junior Credit Decisions Associate with a strong bias to action who is excited about leveraging technology and design to deliver meaningful business outcomes for our partners and their merchants. As a Junior Credit Decisions Analyst, you will be using You Lend proprietary solutions to decision and price applications.

You will be 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 influence decisions.

• Utilize intermediate Excel skills to analyze, interpret, and visualize key data trends.
• Identify and assess data patterns to support accurate credit decision‑making.
• Apply critical thinking to evaluate merchant applications and assess associated risks.
• Underwrite and evaluate deals to determine creditworthiness and risk exposure.
• Collaborate closely with cross‑functional teams
  , including Credit Risk, to ensure alignment in credit decisions.
• Ensure the accuracy, completeness, and consistency of deal information throughout the decisioning process.
• Contribute ideas and feedback to improve operational processes and enhance automation or efficiency.

• Strong analytical mindset with an ability to derive insights from data.
• Detail‑oriented and organized, with a focus on accuracy and quality.
• Excellent communication and collaboration skills.
• Curiosity and enthusiasm for learning credit risk management in a fast‑growing fintech environment.

• A degree in Finance, Economics, Data Science
  , or a related field (or equivalent practical experience).
• Experience in a credit, financial analysis, or data‑related role (internships included).
• Proficiency in Excel (pivot tables, lookups, data visualization).
• Familiarity with SQL or data tools (e.g., Looker, Tableau, Power BI) is a plus.
• A proactive and adaptable attitude
  , thriving in a fast‑paced, tech‑driven environment.
• A passion for using data and technology to drive better business decisions.

Why join You Lend?

• Award‑Winning Workplace:
  You Lend 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:
  You Lend 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 You Lend 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 comprehensive benefits package that…