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About the role
- Senior Credit Risk Analyst evaluating and monitoring credit risk in consumer or SME lending at YouLend. Responsible for developing analytical tools aligning risk management with business objectives.
Responsibilities
- **The Role**
- We are seeking a Senior Credit Risk Analyst with strong experience in the German market, particularly in consumer or SME lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies..
Requirements
- **Responsibilities: **
- Risk Analysis: Utilising statistical techniques and data analysis to assess portfolio-level credit risk.
- Portfolio Monitoring: Identifying trends, risks, and opportunities across customer segments using advanced analytics.
- Policy and Strategy Development: Supporting the creation of credit risk policies, underwriting strategies, and pricing.
- Data-Driven Insights: Delivering actionable insights and recommendations to optimise risk-adjusted returns.
- Stakeholder Collaboration: Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.
- **The ideal candidate will have the following skillset: **
- A degree in Finance, Statistics, Economics, Mathematics, or a related field.
- Proficient in SQL.
- Experience with credit scoring systems, credit policy and methodologies in the European market, ideally France or Germany (consumer or SME)
- Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
- Experience with data visualization tools and techniques.
- Excellent analytical, problem-solving skills and attention to detail.
- **Desirable skills:**
- Experience in SME lending
- Python
Benefits
- **Why join YouLend?**
- Award-Winning Workplace: YouLend 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: YouLend 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 YouLend 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 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).
- **We offer a comprehensive benefits package that includes: **
- Stock Options
- Private Medical insurance via Vitality and Dental Insurance with BUPA
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Paddle and Yoga Club
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Tech skills
Location requirements
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