Senior Credit Risk AnalystYouLend • Atlanta, GA, US
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]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. Experience in SME lending Python 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. 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 (> 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
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 :
Desirable skills :
Benefits
Why join YouLend?
It’s just getting fun :
Lots of upsides :
100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).
Motivating work environment :
We offer comprehensive benefits package that includes :
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.
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