Talent.com
Senior Credit Risk Analyst
Senior Credit Risk AnalystYouLend • Atlanta, GA, US
Senior Credit Risk Analyst

Senior Credit Risk Analyst

YouLend • Atlanta, GA, US
[job_card.30_days_ago]
[job_preview.job_type]
  • [job_card.full_time]
[job_card.job_description]

Job Description

Job Description

About Us

YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

A 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 in Credit Risk
  • Experience with credit scoring systems, credit bureaus, credit policy and methodologies (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 comprehensive benefits package that includes :

  • 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

    • At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.

    [job_alerts.create_a_job]

    Senior Credit Analyst • Atlanta, GA, US

    [internal_linking.similar_jobs]
    Specialty and CRE Lending Portfolio Credit Analyst

    Specialty and CRE Lending Portfolio Credit Analyst

    Atlanta Postal Credit Union • Atlanta, GA, US
    [job_card.full_time]
    Seeking a capable, detail-oriented individual to join our commercial lending TEAM! 3+ years' experience in Commercial credit review & analysis, Underwriting, Portfolio Management, CRE credi...[show_more]
    [last_updated.last_updated_30] • [promoted]
    CAT Risk Analyst

    CAT Risk Analyst

    Munich RE • Atlanta, GA, United States
    [job_card.full_time]
    Amelia, United States; Atlanta, United States; Austin, United States; Charlotte, United States; Chicago, United States; Dallas, United States. Hartford, United States; Houston, United States; Miami...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    CRE Credit Analyst

    CRE Credit Analyst

    U.S. Bancorp • Atlanta, GA, US
    [job_card.full_time]
    Supports Relationship Managers and Portfolio Managers to manage an assigned portfolio of customer relationships.Overseeing accurate and consistent financial statements spreads, quarterly trend anal...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    Analyst RECB Credit Delivery

    Analyst RECB Credit Delivery

    Truist Bank • Atlanta, Georgia, USA
    [job_card.full_time] +2
    The position is described below.If you want to apply click the Apply Now button at the top or bottom of this page.After you click Apply Now and complete your application youll be invited to create ...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    Compensation & HRIS Analyst

    Compensation & HRIS Analyst

    Scientific Research Corporation • Atlanta, GA, United States
    [job_card.full_time]
    Participating and assisting in the development, implementation and administration of compensation and HRIS policies and programs. Formulating recommendations regarding development of company salary ...[show_more]
    [last_updated.last_updated_30] • [promoted]
    Sales Representative and Trainer

    Sales Representative and Trainer

    Cleft of the Rock, Inc. • Griffin, GA, US
    [job_card.full_time]
    Sales Representative & Trainer.Sales Representative & Trainer.This role is ideal for someone who is.You'll combine hands-on sales with coaching to help your team grow and succeed.Meet w...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    CRE Credit Analyst

    CRE Credit Analyst

    Atlanta Staffing • Atlanta, GA, US
    [job_card.full_time]
    Bank, we're on a journey to do our best.Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.We b...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    Restaurant Delivery

    Restaurant Delivery

    DoorDash • Fayetteville, GA, United States
    [job_card.full_time] +1
    DoorDash is the #1 category leader in food delivery, food pickup, and convenience store delivery in the US, trusted by millions of customers every day. As a Dasher, you’ll stay busy with a var...[show_more]
    [last_updated.last_updated_30] • [promoted]
    Remote Investment Analyst – AI Trainer ($50-$60 / hour)

    Remote Investment Analyst – AI Trainer ($50-$60 / hour)

    Data Annotation • Alpharetta, Georgia
    [filters.remote]
    [job_card.full_time] +1
    We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the quality of ...[show_more]
    [last_updated.last_updated_30] • [promoted]
    Remote AI Content Reviewer

    Remote AI Content Reviewer

    Outlier • Fayetteville, GA, United States
    [filters.remote]
    [job_card.full_time]
    Earn up to $16 USD / hourly and work fully remotely and flexibly.Outlier, a platform owned and operated by Scale AI, is looking for. If you're passionate about improving models and excited by the futu...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    Encompass Business Systems Analyst II

    Encompass Business Systems Analyst II

    Atlantic Union Bank • Alpharetta, GA, United States
    [job_card.full_time]
    The Business System Analyst II will serve as the system administrator for the Encompass LOS and related mortgage platforms. This individual will be responsible for the design, administration, custom...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    CRE Credit Analyst (Job #3186)

    CRE Credit Analyst (Job #3186)

    BritePros Medical Staffing • Atlanta, Georgia, United States
    [job_card.full_time]
    [filters_job_card.quick_apply]
    CRE Credit Analyst – To $65K – Atlanta, GA – Job # 3186.The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & San Antonio, TX. Our nationally unique value propositi...[show_more]
    [last_updated.last_updated_30]
    Entry Level Insurance Sales

    Entry Level Insurance Sales

    Alleviation Enterprise LLC • Hampton, GA, US
    [job_card.full_time]
    Alleviation is a leading provider of supplemental insurance products aimed at providing financial security and peace of mind to individuals and families. We specialize in offering a range of insuran...[show_more]
    [last_updated.last_updated_variable_hours] • [promoted] • [new]
    Entry Level Sales Representative

    Entry Level Sales Representative

    True North Group LLC. • Hampton, GA, US
    [job_card.full_time]
    Join Our Team at True North Group.Position Title : Entry-Level Sales Representative.Open Role : 1 Territory, Outside Sales Opportunity. True North Group isn't just another insurance agency; We pri...[show_more]
    [last_updated.last_updated_30] • [promoted]
    Commercial Credit Analyst

    Commercial Credit Analyst

    Gpac • Atlanta, Georgia, United States
    [job_card.full_time] +1
    [filters_job_card.quick_apply]
    The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial clients. They will perform detailed financial analysis for all le...[show_more]
    [last_updated.last_updated_variable_days]
    Corporate Credit Analyst

    Corporate Credit Analyst

    Invesco • Atlanta, Georgia, USA
    [job_card.full_time] +1
    As one of the worlds leading independent global investment firms Invesco is dedicated to rethinking possibilities for our clients. By delivering the combined power of our distinctive investment mana...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    VCA Risk Practice Manager, Credit Risk

    VCA Risk Practice Manager, Credit Risk

    Visa • Atlanta, Georgia, USA
    [job_card.full_time]
    Visa Consulting and Analytics (VCA) drives tangible impactful and financial results for Visas network clients including both financial services and merchants. Drawing on our expertise in strate...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]
    Commercial Real Estate Sr. Servicing Analyst

    Commercial Real Estate Sr. Servicing Analyst

    Covius • Atlanta, GA, United States
    [job_card.full_time]
    It's fun to work in a company where people truly BELIEVE in what they're doing!.We're committed to bringing passion and customer focus to the business. Servicing Analyst is responsible for performin...[show_more]
    [last_updated.last_updated_variable_days] • [promoted]