Senior Credit Risk Analyst

Description

We are seeking a Senior Credit Risk Analyst to support the next phase of growth in our UK business. This role will be based out of our global headquarters in London from where we support all of global businesses.

Credit Risk

London

• Support the Credit Strategy for the UK market
• Directly contribute to delivery of UK 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 from the UK as our largest and most mature market

• Ownership and delivery of key projects supporting the UK Credit Strategy development and innovation roadmap
• Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capability

• 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

• 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

• Be aware of our Risk Governance Frameworks including Credit Risk Policy and Process documentation in relation to the UK 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 organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment
• Competent SQL and ideally Python skills

• Experience in SME Lending
• Familiarity with US lending regulations and compliance requirements
• Experience working in other international markets

• 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 only just getting started.

• 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…