Junior Credit Decisions Analyst

Key Responsibilities

• Review and underwrite merchant financing applications in line with YouLend’s credit policies and risk appetite.
  
  
• Use Excel and internal tools to analyze financial and operational data.
  
  
• Identify trends, patterns, and potential risks that may affect a merchant’s creditworthiness.
  
  
• Assess applications and make or recommend clear, well-reasoned credit decisions.
  
  
• Validate the accuracy, completeness, and consistency of information provided for each deal.
  
  
• Clearly document the reasoning behind each decision.
  
  
• Escalate complex or higher-risk applications when appropriate.
  
  
• Work closely with other teams to support consistent decision-making.
  
  
• Manage applications efficiently while maintaining high standards of accuracy and quality.
  
  
• Suggest improvements to processes, controls, automation, and internal tools.
  
  
• Contribute feedback as YouLend’s credit decisioning processes continue to develop.

Skills, Knowledge and Expertise

Must-haves

• Strong analytical and problem-solving skills.
  
  
• The ability to interpret data, identify relevant information, and reach sound conclusions.
  
  
• Intermediate Excel skills, including pivot tables, lookup functions, and data visualization.
  
  
• A high level of accuracy and attention to detail.
  
  
• Clear written and verbal communication skills.
  
  
• The confidence to explain your reasoning and contribute to discussions.
  
  
• Strong organization and time-management skills.
  
  
• The ability to manage competing priorities in a fast-paced environment.
  
  
• A proactive and adaptable approach to work.
  
  
• An interest in credit risk, financial analysis, data, and technology.

• Previous experience in credit, underwriting, lending, financial analysis, or another data-focused role.
  
  
• A degree or equivalent practical experience in finance, economics, data science, mathematics, or a related subject.
  
  
• An understanding of small-business finance, cash-flow analysis, or credit risk principles.
  
  
• Experience in fintech, financial services, or a fast-growing technology business.
  
  

• Use YouLend’s systems, tools, and credit policies confidently.
  
  
• Assess applications accurately within your agreed level of authority.
  
  
• Produce consistent, well-reasoned, and clearly documented credit decisions.
  
  
• Manage your workload while meeting expected quality and turnaround times.
  
  
• Recognize when an application requires additional review or escalation.
  
  
• Work effectively with colleagues across all teams.
  
  
• Identify at least one practical improvement to a process, control, or decisioning workflow.

Benefits

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024, 2025 and 2026” by the Sunday Times for being a supportive, diverse, and rewarding workplace. 
• Award-Winning Fintech: YouLend 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 YouLend 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 complex regulated markets.  

• 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).  

• Health Care Coverage. YouLend covers 80%; employee contribution is 20% of the premium. 
• Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare. 
• Dental plan coverage 
• Vision plan coverage 
• Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family 
• Retirement - 401K match. Employee match $1 for $1 up to 5% of salary. 
• Basic Life & AD&D Insurance. 
• International travel insurance covered if traveling abroad for work purposes. 
• Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays 
• Paid Office Parking