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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.
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
The Senior Credit Risk Pricing Analyst will be reporting into the Pricing and Analytics Team lead and is responsible for developing and managing analytical tools to evaluate and monitor credit risk and returns across portfolios, ensuring effective pricing strategies
Responsibilities
* Pricing and Credit Risk Analysis: Utilising statistical techniques and data analysis to assess portfolio-level credit risk, returns, and risk aligned pricing
* Portfolio Monitoring: Identifying trends, risks, and opportunities across customer segments using advanced analytics to ensure portfolio performance is in alignment with risk and return targets
* Policy and Strategy Development: Supporting the creation of credit risk policies, underwriting strategies, and pricing proposals
* Data-Driven Insights: Delivering actionable insights and recommendations to optimise risk-adjusted returns, and creating / maintaining monitoring post strategy implementation
* Stakeholder Collaboration: Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals
* Analytical expertise and strong coding skills in SQL are essential
Requirements
* A degree in Finance, Statistics, Economics, Mathematics, or a related field
* Proficient in SQL
* Experience with cash flow simulations and IRR calculations
* Experience in Credit Risk
* Understanding of credit risk metrics (PD, LGD, EAD) and financial modelling
* Experience with data visualization tools and techniques
* Excellent analytical, problem-solvings kills and attention to detail
* Credit Risk and / Or Risk Pricing experience
Desirable Skills
* Experience in SME lending
* Tableau experience
* Python and VBA experience
Benefits
Why join YouLend?
* Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work 2024" 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 offer comprehensive benefits package that includes:
* Stock Options
* Private Medical insurance via Vitality
* 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 / Squash Club
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.
Seniority level
* Seniority level
Mid-Senior level
Employment type
* Employment type
Full-time
Job function
* Job function
Finance and Sales
* Industries
IT Services and IT Consulting
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