Senior Credit Risk Analyst - Europe

About UsYouLend 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 Take payments. 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 RoleWe are seeking a Senior Credit Risk Analyst with strong experience in the German market, particularly in consumer or SME lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies..Risk Analysis : Utilising statistical techniques and data analysis to assess portfolio-level credit risk.Portfolio Monitoring : Identifying trends, risks, and opportunities across customer segments using advanced analytics.Policy and Strategy Development : Supporting the creation of credit risk policies, underwriting strategies, and pricing.Data-Driven Insights : Delivering actionable insights and recommendations to optimise risk-adjusted returns.Stakeholder Collaboration : Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.A degree in Finance, Statistics, Economics, Mathematics, or a related field.Proficient in SQL.Experience with credit scoring systems, credit policy and methodologies in the European market, ideally France or Germany (consumer or SME)Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.Experience with data visualization tools and techniques.Excellent analytical, problem-solving skills and attention to detail.Desirable SkillsExperience in SME lendingPythonWhy 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 OptionsPrivate Medical insurance via Vitality and Dental Insurance with BUPAEAP with Health AssuredEnhanced Maternity and Paternity LeaveModern and sophisticated office space in Central LondonFree Gym in office building in HolbornSubsidised Lunch via FeedrDeliveroo Allowance if working late in officeMonthly in office MasseuseTeam and Company SocialsFootball Power League / Paddle and Yoga ClubAt 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 ..... full job details .....