Credit Eligibility Analyst

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’re looking for a Credit Eligibility Analyst who thrives on speed, accuracy, and quality, and who can operate seamlessly as part of our wider Production Line. In this role, you’ll apply credit eligibility guidelines to qualify and prepare applications ahead of underwriting, ensuring every submission is consistent, accurate, and decision-ready.

This detail-focused position sits at the core of our credit function and plays a critical role in enabling fast, high-quality credit decisions.

Requirements

Responsibilities:

• Qualify and prepare applications in line with YouLend credit eligibility guidelines prior to underwriting
• Package deals accurately to ensure a smooth and efficient decision-making process for the Credit Decision team
• Identify and resolve discrepancies by collaborating closely with Sales and Credit Decision teams
• Confidently navigate and utilise internal and external platforms, including YLI, HubSpot, Creditsafe, and other relevant tools
• Demonstrate strong attention to detail and confidence working with numbers and data
• Execute all packaging processes to a high standard, including Manual, KTPS and Platform
• Adapt to and support team culture while consistently meeting KPIs and SLAs
• Communicate clearly and professionally with internal stakeholders

Essential Skills:

• Strong attention to detail with confidence working with numbers and data
• Ability to accurately qualify and package applications in line with guidelines
• Clear and effective communication skills
• Comfortable navigating multiple internal and external systems
• Ability to manage workload in a fast-paced environment
• Strong organisational skills with the ability to meet KPIs and SLAs
• Problem-solving mindset and ability to resolve discrepancies collaboratively

The ideal candidate will have the following skillset:

• Experience using YLI, HubSpot, Creditsafe, or similar CRM / credit platforms
• Previous experience in a credit, underwriting, risk, or financial services role
• Strong understanding of credit eligibility or underwriting preparation processes
• Experience executing multiple packaging processes (Manual, KTPS, Platform)
• Ability to support or mentor junior team members
• Demonstrated track record of exceeding quality and productivity targets
• Proactive approach to process improvement and team efficiency

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