21 jobs in YouLend Limited

YouLend Limited in London is seeking a Partner Solutions Engineer to lead partner integrations and ensure the delivery of outstanding solutions. You'll be involved in all phases of the process, from discovery to go-live support, while collaborating with various internal teams.

The ideal candidate has a strong technical background, excellent communication skills, and a desire to solve complex problems. Join a rapidly growing fintech company recognized for its outstanding workplace culture and comprehensive benefits.

YouLend Limited is looking for a Senior Credit Risk Manager to drive growth across global business, based in London. In this role, you'll lead the Credit Strategy and underwriting team, ensuring quality credit decisions aligned with the company's risk appetite.

The ideal candidate will have over 5 years in credit risk management, strong leadership skills, and deep understanding of credit principles. YouLend offers a dynamic work environment, supported by a robust benefits package including stock options, private medical insurance, and a modern office in Central London.

Senior Credit Risk Manager – All Global Markets

Department: Credit Risk

Employment Type: Permanent

Location: London

Reporting To: Elliot Jackson

We are seeking a Senior Credit Risk Manager to oversee and drive the next phase of growth across our global business based out of our London headquarters.

In this role, you will lead the Credit Strategy and underwriting team, owning, developing and innovating our credit strategy 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, Decision Science, Compliance, and Commercial teams to strengthen credit policies, optimise decisioning frameworks, and drive continuous improvements in portfolio performance.

This role requires deep credit risk expertise and an ability to thrive in a fast paced environment. Outstanding interpersonal skills will be required both to lead the team and collaborate with business partners and senior management. You will be empowered to manage and be accountable for team performance, underwriting quality, operational efficiency, and the delivery of key risk outcomes across all of our UK, US, EU and future markets.

Overall market Credit Risk

• Ownership of the Credit Strategy for all of our current (UK, US, EU) and future geographic markets
• Directly contribute to delivery of business KPIs as part of the wider management team (e.g. growth, profitability, loss rate etc.)
• Collaborate with broader leadership teams across all geographic markets driving strategic alignment, initiative prioritisation and sharing of toolkit, insights, emergent risks and best practice to achieve shared global targets

Credit strategy development and innovation

• Ownership and delivery of the Global Credit Strategy development and innovation roadmap socialised and agreed with business partners and senior leadership
• Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capability
• Close collaboration with capital markets, product, tech, legal, compliance and operational teams to ensure strategic alignment, regulatory compliance and an integrated customer proposition

Portfolio performance monitoring and management

• Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators
• Lead the presentation of risk reporting and insights to senior management including preparing for and leading Credit Committee discussions
• Recommend actions to mitigate emerging risks and optimise portfolio outcomes

Team Leadership & Management

• Lead, manage, mentor, and develop a talented and ambitious team of credit risk analysts and underwriters
• Recruit for and develop the team in line with our culture and values creating a tenured, talented and recognised centre of Credit Risk excellence

Governance, Compliance and Quality Assurance

• Be accountable for the ownership and maintenance the Risk Governance Framework including Credit Risk Policy and Process documentation in relation to all markets and associated regulatory requirements
• Oversee credit underwriting and risk assessment processes to ensure consistent application of credit policies and risk appetite including calling out issues and collaborating with 2nd line Quality Assurance teams
• Review complex or escalated cases and provide guidance on structured risk decisions

Required Skills

• 5+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit
• Strong understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management
• Outstanding quantitative and deductive reasoning skills; quickly able to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions
• Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences
• Proven ability to lead teams, recruit and develop talent, drive accountability, and influence cross-functional stakeholders
• Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions
• Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment

Desirable Skills, Knowledge and Expertise

• Experience in SME Lending
• Familiarity with EU and US lending regulations and compliance requirements
• Experience working across multiple international markets

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 incentive
• 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
• Employee Assistance Program 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.

Senior Credit Risk Analyst

Department: Credit Risk

Employment Type: Permanent

Location: London

We are seeking a Senior Credit Risk Analyst with strong experience in the UK 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.
• 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.

• Experience in SME lending
• Python

• 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.
• High-growth expansion with clear outlook to compensation and career growth.
• Well-capitalised with supportive private equity backing.
• Part of Banking Circle Group with a fully licensed Luxembourg bank, supporting European expansion.
• High-quality team that pushes each other to succeed.
• Strong and transparent team culture.
• Independent work environment where results matter.
• Data-driven culture and emphasis on speed.
• Stock Options, Private Medical insurance via Vitality, Dental Insurance with BUPA, EAP with Health Assured, Enhanced Maternity and Paternity Leave, Modern office space in Central London, Free Gym, Subsidised Lunch, Deliveroo Allowance, Monthly massage, 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.

YouLend Limited is seeking a Senior Credit Risk Analyst to manage and evaluate credit risk across portfolios. The role requires strong analytical skills and proficiency in SQL, alongside experience in the UK Market particularly regarding SME lending.

Offering a supportive workplace culture recognized as one of the “Best Places to Work”, the position includes extensive benefits such as stock options, private medical insurance, and subsidized lunch. Candidates should possess a degree in a relevant field and be capable of delivering actionable insights.

Machine Learning Lead Engineer

Department: Platform

Employment Type: Permanent

Location: London

Compensation: £110,000 / year

We’re looking for a Machine Learning Lead Engineer who wants to operate as a player‑coach — someone still very hands‑on, but excited to grow into a proper management role over time. This is not a pure manager role from day one. You’ll be building, shipping, and improving ML systems while gradually taking on more team leadership responsibilities.

What you’ll do:

• Build and maintain production‑grade ML systems and pipelines
• Stay hands‑on (coding, reviews, debugging, deployments)
• Mentor a small team of ML engineers (2–3 people initially)
• Establish ML engineering & MLOps best practices
• Improve deployment, monitoring, and model lifecycle management
• Collaborate with DS, Risk, Product, and Engineering
• Help shape roadmap and hiring

• Strong background as an ML Engineer (not purely DS/research)
• Experience deploying and running ML models in production
• Solid software engineering skills (Python, APIs, systems)
• Good understanding of MLOps stack (CI/CD, monitoring, pipelines)
• Familiarity with tools like MLflow, Airflow, Evidently, DVC, Docker, Kubernetes.
• Cloud experience (AWS/GCP/Azure)
• Some mentoring/leadership experience + desire to grow into management
• Nice to have:
  • Experience scaling ML platforms or teams
  • Fintech / lending / risk domain exposure

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

About Us:

YouLendis a rapidly growing FinTech and embedded financing platform used by leading e-commerce platforms, technology companies and payment service providers. Our platform enables partners to offer flexible financing products to their merchant base under their own branding, without capital at risk. We operate across the UK, EU and US, with offices in London, Atlanta and Berlin, and support partners including eBay, Amazon, Shopify and Stripe. YouLendis backed by EQT and continues to scale its product, geographic and regulatory footprint.

The Head of Financial Crime & MLRO will lead YouLend’s financial crime function and ensure that our financial crime framework remains effective, risk‑based and aligned with our continued growth across the UK, EU and US. YouLend has made significant investment in its financial crime infrastructure, including enhancements to KYC/KYB, AML controls, transaction monitoring, screening, MI, governance and Financial Crime Operations. This is not a greenfield role. The focus is now on owning, refining, assuring and future‑proofing the framework so that it remains proportionate to YouLend’s business model, regulatory obligations and risk appetite.

The role will work closely with Legal, Regulatory Compliance, Financial Crime Operations, Product, Data, Engineering, Transformation and Commercial teams. It will also own key financial crime governance forums, including the Financial Crime Committee, and support regulatory engagement and reporting where required.

• Own YouLend’s financial crime strategy across the UK, EU and US, ensuring that the framework remains effective, proportionate and aligned to YouLend’s business model, regulatory obligations and risk appetite.
• Lead the ongoing refinement of YouLend’s financial crime framework, including AML/CTF, screening, fraud, KYC/KYB, customer risk assessment, transaction monitoring, ongoing monitoring and SAR processes.
• Maintain and enhance YouLend’s financial crime risk assessments, including the Business Wide Risk Assessment, Customer Risk Assessment, Country Risk Assessment and relevant product, partner and channel risk assessments.
• Ensure financial crime policies, standards and procedures remain current, practical and embedded across relevant first and second line teams.
• Provide senior financial crime advice to the business on new products, partners, markets, operational changes and strategic initiatives.

• Oversee the effectiveness of YouLend’s financial crime systems and controls, including CDD, screening, transaction monitoring, escalation processes, SAR decisioning, high‑risk customer management and ongoing monitoring.
• Work closely with Financial Crime Operations to ensure financial crime controls are applied consistently, efficiently and in line with YouLend’s policies and risk appetite.
• Set clear standards for escalations, investigations, closure rationale, quality assurance and operational decision‑making.
• Review and refine transaction monitoring, KYC/KYB and AML processes, working closely with Operations, Product, Data, Engineering and Transformation teams.
• Review third‑party financial crime tools and identify responsible opportunities to use automation and AI to improve efficiency, consistency, quality assurance, monitoring and MI.

• Act as MLRO and key financial crime contact for regulators, law enforcement, external advisors and internal stakeholders, as appropriate.
• Own the Financial Crime Committee, including agenda setting, MI, papers, action tracking and escalation of material issues.
• Refine financial crime MI so that senior stakeholders have clear insight into risk trends, control effectiveness, operational performance, backlogs, alerts, SARs, high‑risk customers, screening outcomes and agreed actions.
• Prepare clear and concise reporting for senior management, board‑level forums and regulators where required.
• Support regulatory notifications, information requests, audits, thematic reviews and other regulatory engagement relating to financial crime.

• Lead and support financial crime compliance assurance reviews, thematic reviews and control testing.
• Track assurance actions through to closure, ensuring outcomes are clearly documented and appropriately evidenced.
• Use MI, assurance findings and operational feedback to identify trends, improve controls and support continuous improvement.
• Ensure relevant first and second line teams are trained and equipped to identify, escale and manage financial crime risks.
• Continue to mature YouLend’s risk‑based approach, ensuring controls are commercially workable while remaining regulatorily defensible.

• Significant experience in financial crime within regulated financial services, ideally within a payment institution, electronic money institution, fintech, SME lending, merchant acquiring, corporate lending or similar environment.
• Experience acting as MLRO, Deputy MLRO or in a senior financial crime leadership role within a regulated financial services business.
• Strong understanding of UK financial crime requirements, including the MLRs, JMLSG guidance, sanctions, SARs, NCA reporting and FCA expectations.
• Experience working with EU financial crime requirements, cross‑border financial crime frameworks or multi‑jurisdictional financial crime governance. US financial crime exposure is helpful.
• Experience overseeing KYC/KYB, CDD, transaction monitoring, sanctions screening, PEP/adverse media screening, fraud controls, customer risk assessment and ongoing monitoring.
• Experience working with financial crime operations teams, including escalation frameworks, QA, MI, training and continuous improvement.
• Experience working with Product, Data, Engineering or Transformation teams to improve financial crime systems, controls and reporting.
• Strong experience preparing senior management reporting, committee papers, regulatory responses and clear written assessments.

• Strong judgment and ability to apply a practical, risk‑based approach in a fast‑moving business.
• Ability to use data, MI and assurance findings to assess control effectiveness and drive improvements.
• Clear and credible communicator, with the ability to challenge constructively and influence senior stakeholders.
• Comfortable working across Legal, Regulatory Compliance, Operations, Product, Data, Engineering and Commercial teams.
• Strong written skills, with the ability to produce clear, concise and regulatorily defensible analysis.
• Pragmatic, structured and execution‑focused, with the ability to improve controls without creating unnecessary complexity.

This is an opportunity to lead the financial crime function in a high‑growth fintech with a complex and evolving international footprint. YouLend has already made significant investment in its financial crime infrastructure, governance and operations. The next phase is about making the framework sharper, more data‑led, more efficient and resilient as the business continues to scale.

YouLend offers a comprehensive benefits package, including stock options, private medical and dental insurance, enhanced parental leave, modern central London office space, subsidised daily lunch, wellness benefits and regular team and company socials.

• 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.
• Award‑Winning Team: Our Legal team won “In‑House Banking & Financial Services Team of the Year” at The Lawyer Awards, showcasing our commitment to excellence and industry leadership.

YouLend Limited seeks a Head of Financial Crime & MLRO to lead its financial crime function using a risk-based approach. This role ensures the financial crime framework remains effective across the UK, EU, and US, focusing on governance and regulatory engagement.

The ideal candidate will have significant experience in financial crime in financial services and act as MLRO, ensuring compliance and effective operations.

YouLend offers a comprehensive benefits package and has been recognized as a top workplace.