Credit Risk Pricing Analyst

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 Pricing Analyst 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 (SQL, VBA, Python) 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.

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.