Junior Credit Decisions Analyst (m/f/d)

About us

YouLend is the preferred embedded finance platform for many of the world’s leading e-commerce platforms, tech companies, and payment service providers. Our software enables partners like eBay, Amazon, Shopify, and Stripe to extend their value proposition by offering flexible financing products to their merchants under their own brand – without taking on capital risk.

Part of the leading private equity firm EQT, we have grown by more than 100% annually since 2020. While our headquarters are in London, we are present in several European countries and the US. For 2026, we are planning a massive expansion in Germany and are opening our new office in Berlin – a unique opportunity for you to join us from the very beginning.

Your Role & Impact

As part of our Credit Decision Team, you will be responsible for the credit assessment of new and existing customers applying for Merchant Cash Advances (MCAs). You will process applications from thousands of German and Danish businesses coming through our global partners.

• In-depth Analysis: You assess repayment capacity and risk profiles by analyzing financial data, financial statements, and revenue/payment data.
• Structuring: You decide on the terms of financing offers (amount, duration, price), balancing risk with growth.
• Risk & Compliance: Using state-of-the-art third-party systems, you manage KYC checks as well as onboarding and compliance risks.
• Process Optimization: You work closely with other teams to continuously improve our risk engine and internal workflows.

Requirements

Your Profile

• Analytical Focus: You enjoy working with data and possess high attention to detail.
• Experience: Ideally, you have 1–2 years of experience in underwriting or finance; however, we also welcome highly motivated talents with a strong analytical background.
• Tech Savvy: Proficiency in Excel is a prerequisite.
• Hands-on Mentality: You are proactive, solution-oriented, and comfortable working in a dynamic environment with daily deadlines.
• Languages: You communicate confidently and professionally in German and English.

Nice to Have

• Strong analytical and problem-solving skills, as well as experience handling large datasets (e.g., SQL, Python, R).
• Experience in the field of SME financing in Germany, ideally with Cash Advances.

Benefits

At YouLend, we work in an environment that fosters personal responsibility and excellence. Our culture is characterized by:

• High Performance: A highly skilled team that drives each other to peak performance through direct feedback and aligned incentive systems.
• Team Spirit: A strong, transparent culture – we stand up for one another.
• Impact: An empowered work environment where results matter.
• Agility: A data-driven way of working with a focus on speed and minimal bureaucracy.

Why YouLend?

It is an exciting time to join; YouLend is an organization in the making. We are just at the beginning and growing at high speed.

• Build-up Opportunity: You will become part of our new team in Berlin and actively help scale the German market.
• Growth & Stability: Over 100% YoY growth meets the security of the Banking Circle Group (with a banking license in Luxembourg) and the backing of EQT.
• Development: Clear career paths and an attractive salary package, including bonus or equity programs.

Salary: Competitive market salary plus bonus

Location: Berlin, Germany (Office-based position)