Payments Specialist

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 several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.

You Lend has an incredible opportunity available within our dynamic Credit Operations team. You will join our Payments sub-team to build and maintain an in-depth understanding of our platform and provide support to the rest of the business which includes problem solving, data analysis and other ad hoc projects. We are constantly innovating and automating workflow, and you will be expected to contribute your views on how we can continuously improve and better integrate workflows.

You will support your Team Lead and agree strategies to improve both our customer service, payments and funding processes.

• Daily execution of payments, including Faster Payments, International Payments, in line with the agreed cut offs.
• Reconcile the correct allocation of incoming payments within agreed times scales.
• Investigate and correctly resolve payment exceptions, (e.g. rejections, bounce backs, etc.)
• Completing Post Funding Requests in line with SLAs
• Liaising with internal and external partners regarding payment delays, as applicable, and managing the solution to those delays with the Payments Team Lead
• Assigning payments from third party debt purchasers
• Monitoring transactions to identify and prevent fraud
• Liaise with colleagues and external parties to promptly and effectively answer any payment related queries. Ensure service provided is to a high standard and make recommendations to improve and streamline processes and interactions.
• Develop an in-depth understanding of the payments platform.
• Manage your time effectively to ensure all critical tasks are completed and deadlines achieved.
• Ensure timely completion of projects and goals in accordance with engagement and requirements.
• Be the point of contact for payment related queries

• Ability to be flexible, quickly learn new skills, and meet uncompromising quality requirements and production expectations while working closely with others in a team environment.
• Ability to work independently; take initiative; and adapt to change.
• Strong problem solving ability.
• Strong processing and analytic skills with the ability to analyse large amounts of data, decipher higher risk attributes, and handle appropriately.
• Strong interpersonal and verbal/written communication skills.
• Must be able to multi-task and thrive in a busy paced, high intensity, high demand and on time environment.
• Demonstrate a strong sense of urgency by responding immediately to escalated issues and rapidly changing priorities.
• Must possess critical thinking, analytic and problem solving skills to be used in operational planning and evaluation
• Ability to deal with highly confidential information in a professional manner

• Working knowledge of AML procedures
• Payments experience in a fintech environment
• Demonstrated competency with all Microsoft Office products and SQL based product
• Be ambitious and motivated - as the company grows there will be opportunity for development

• 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

• 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…