Capital Market Junior Analyst

Department: Capital Markets

Employment Type: Permanent

Location: London

Reporting To: Ujjwal Singh Mehra

We are seeking a Capital Markets Junior Analyst to support the operational management of our Capital Mandates across the UK, EU, and US, working closely with cross-functional teams, including Finance, Data, Production Line and Capital. The successful candidate will play a key role in ensuring the smooth day-to-day operation of our capital mandates, supporting audits, reporting, cash movements, and debt purchase monitoring.

The Capital Market team is responsible for managing relationships with institutional investors that deploy capital via the You Lend platform, track performances of the investment mandates, identify early trends in the market to take relevant actions, deploy and report on the individual portfolios.

• Manage quarterly third-party audits, liaising with departments across You Lend to coordinate information requests and facilitate timely completion.
• Prepare investor regulatory reporting, ensuring accurate data and submission within required deadlines.
• Support day-to-day cash management and business-as-usual (BAU) processes, including cash movements, reconciliations, and timely resolution of operational queries.
• Maintain operational controls and documentation related to capital mandate processes.
• Collaborate closely with cross-functional teams including Finance, Data, and Production, gaining exposure to different parts of the business.
• Support ad-hoc analysis and operational projects, including the automation and continuous improvement of Capital Markets operational processes, as the function scales.

• High attention to detail and a structured, process-driven mindset.
• A relevant degree in Finance, Accounting, Economics, or a related discipline is advantageous.
• Prior experience in finance, fintech, or financial operations (internship or graduate experience acceptable).
• Working knowledge of SQL (ability to query and validate data).
• Strong proficiency in Microsoft Office, particularly Excel, with the ability to analyse and manipulate financial data effectively.
• Excellent organisational and time management skills, with the ability to prioritise tasks and meet deadlines in a fast-paced environment.
• Strong communication and coordination skills, with the ability to liaise with external auditors and teams across You Lend.
• An understanding of investor regulatory reporting requirements and the ability to prepare accurate reports within deadlines.
• An understanding of cash management and reconciliations, with a reliable approach to routine BAU processes and the ability to identify and elevate issues.

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…