Credit Risk Lead - US Market
About Us
YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.
We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.
The Role
We are seeking a Credit Risk Lead to support the continued growth and oversight of our credit risk function as we scale across the US and international markets.
In this role, you will lead the day-to-day operations of the credit risk and underwriting team, ensuring consistent, high-quality credit decisions aligned with the company’s risk appetite and regulatory obligations. You will partner closely with senior risk leadership, Product, Data, Compliance, and Commercial teams to strengthen credit policies, optimize decisioning frameworks, and maintain strong portfolio performance.
This role requires deep credit risk expertise combined with proven people management experience. You will be accountable for team performance, underwriting quality, operational efficiency, and the delivery of key risk outcomes.
Key Responsibilities
- Team Leadership & Management
- Lead, mentor, and develop a team of credit risk analysts and underwriters.
- Manage performance, workload allocation, hiring, and professional development.
- Foster a culture of accountability, sound judgment, and continuous improvement.
- Credit Risk & Underwriting Oversight
- Oversee credit underwriting and risk assessment processes to ensure consistent application of credit policies and risk appetite.
- Review complex or escalated cases and provide guidance on structured risk decisions.
- Ensure adherence to internal controls and applicable federal and state regulations.
- Policy & Framework Development
- Support the development, implementation, and enhancement of credit risk policies, underwriting standards, and operating procedures.
- Contribute to risk governance frameworks and documentation aligned with US regulatory expectations.
- Portfolio Monitoring & Reporting
- Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators.
- Prepare and present risk reporting and insights to senior management.
- Recommend actions to mitigate emerging risks and optimise portfolio outcomes.
- Cross-Functional Partnership
- Collaborate with Product, Finance, Compliance, Legal and Capital Markets teams to align credit strategy with growth initiatives.
- Provide risk input on new products, market expansion, and strategic initiatives.
- Process Optimisation & Controls
- Drive continuous improvement in underwriting workflows, automation, and risk controls.
- Strengthen quality assurance practices to ensure decision accuracy and policy compliance.
- Training & Capability Building
- Deliver coaching and structured development opportunities for team members.
- Promote knowledge sharing and risk education across the business.
Requirements
The ideal candidate will have the following skillset:
- 5+ years of experience in credit risk, underwriting, or a related risk management function.
- 2+ years of direct people management or team leadership experience.
- Experience within financial services, fintech, lending, or commercial credit preferred.
- Strong understanding of credit underwriting principles, risk appetite frameworks, and portfolio risk management.
- Familiarity with US lending regulations and compliance requirements.
- Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions.
- Comfortable working with data and performance metrics to drive insights and action.
- Proven ability to lead teams, drive accountability, and influence cross-functional stakeholders.
- Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences.
- Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment.
Desirable
- Experience working in other international markets
- Experience in SME Lending
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.