Senior Credit Risk Analyst

Department: Credit Risk

Employment Type: Permanent

Location: London

Description

We are seeking a Senior Credit Risk Analyst with strong experience in the UK 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.

Key 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.

Skills, Knowledge and Expertise

A degree in Finance, Statistics, Economics, Mathematics, or a related field.
Proficient in SQL.
Experience with credit scoring systems, credit policy and methodologies
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

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.

Phone Call

Face-to-Face Interview

Technical Interview