Senior Credit Risk Analyst

Senior Credit Risk Analyst

Department: Credit Risk

Employment Type: Permanent

Location: Atlanta

Reporting To: Elliot Jackson

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  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.

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

• 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…