Credit Eligibility Analyst
Department: Credit Operations (UK)
Employment Type: Permanent
Location: London
Reporting To: Benjamin Gallagher
Description
As a Credit Eligibility Analyst, you will play a vital part in our lending pipeline at YouLend, as the first part of the merchant assessment journey. This involves preparing business funding applications from our merchants, ensuring that data has been entered correctly and that there are no gaps, so that you can qualify the application for readiness to decision – and thus pass to our Credit Decision team to be underwritten.
Key Responsibilities
* Prepare or ‘package’ business funding applications to ensure a seamless decision‑making process for the Credit Decision team.
* Utilise excellent attention to detail and data entry skills to ensure all funding applications meet YouLend’s minimum lending requirements, enabling a smooth handover to our decisioning team.
* Maintain control over a queue of un‑packaged deals, ensuring to work within business SLAs.
* Work on a team level with fellow eligibility analysts to ensure daily KPIs are achieved and no merchant is left waiting for an outcome.
* Solve any discrepancies between merchant application data with bureaus and databases by collaborating with the Sales and Credit Decision teams.
Skills, Knowledge & Expertise
* Have 1-2 years’ experience in a similar role, such as underwriting, credit control or KYC.
* Have excellent attention to detail and be confident working with numbers and data.
* Be confident in your ability to analyse data and conclude and present outcomes.
* Strong use of Excel or any data analysis software.
* Driven to hit, and excited to exceed, targets!
* Ability to work under pressure, and be motivated by daily SLAs. Team player, and thrive working cross‑functionally.
Job Benefits
* Stock options
* Private Medical Insurance (via Vitality)
* EAP with Health Assured
* Enhanced Maternity and Paternity Leave
* Great office space (including a gym) in Central London
* Subsidised lunch (via Feedr)
* Deliveroo allowance if working late in the office
* Monthly in‑office masseuse
* Team and Company socials
* Sports clubs
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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