Junior Credit Decision Analyst

Description

Key Responsibilities

• Utilize intermediate Excel skills to analyze, interpret, and visualize key data trends. 
• Identify and assess data patterns to support accurate credit decision-making. 
• Apply critical thinking to evaluate merchant applications and assess associated risks. 
• Underwrite and evaluate deals to determine creditworthiness and risk exposure. 
• Collaborate closely with cross-functional teams, including Credit Risk, to ensure alignment in credit decisions.
•  Ensure the accuracy, completeness, and consistency of deal information throughout the decisioning process.
•  Contribute ideas and feedback to improve operational processes and enhance automation or efficiency.

Skills, Knowledge & Expertise

• Desirable Skills Strong analytical mindset with an ability to derive insights from data. 
• Detail-oriented and organized, with a focus on accuracy and quality.
•  Excellent communication and collaboration skills. 
• Curiosity and enthusiasm for learning credit risk management in a fast-growing fintech environment. 
• An Ideal Candidate will Have A degree in Finance, Economics, Data Science, or a related field (or equivalent practical experience). 
• Experience in a credit, financial analysis, or data-related role (internships included). 
• Proficiency in Excel (pivot tables, lookups, data visualization). 
• Familiarity with SQL or data tools (e.g., Looker, Tableau, Power BI) is a plus.
•  A proactive and adaptable attitude, thriving in a fast-paced, tech-driven environment.
•  A passion for using data and technology to drive better business decisions.

Job Benefits

• Award-Winning Workplace: YouLend has been recognized 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 recognized as a “Top 250 Fintech Worldwide” company by CNBC. 
  
  

• 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 organization where we are only just getting started. 
  
  

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with the business). 
• Well-capitalized 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. 
  
  

• 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). 
  
  

• Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare.
• Dental plan coverage
• Vision plan coverage
• Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family
• Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.
• Basic Life & AD&D Insurance.
• International travel insurance covered if traveling abroad for work purposes.
• Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays
• Paid Office Parking