Junior Credit Decisions Analyst

Department: Credit Operations (US)

Employment Type: Permanent

Location: Atlanta

Reporting To: Ravi Doshi

Description

About YouLend

YouLend provides technology and financing solutions that help our partners offer fast, flexible funding to their merchants.

We have built a strong product, secured significant partnerships, and grown quickly. The global opportunity remains substantial, and we are still early in our journey. This gives our people the chance to take ownership, influence how we work, and grow alongside the business.

We are now expanding our Credit Decisions team to meet growing demand for our technology and services.

The Role

We are looking for a Junior Credit Decisions Analyst who is analytical, curious, and ready to take action.

You will use YouLend's proprietary tools to assess and price merchant financing applications. You will review financial and operational information, identify potential risks, and support accurate, timely credit decisions.

You will also work closely with our Credit Risk team, contribute ideas to improve our processes, and help ensure that the information used to make each decision is accurate and complete.

This is an excellent opportunity to develop practical experience in underwriting and credit risk within a fast-growing fintech business.

Key Responsibilities

• Review and underwrite merchant financing applications in line with YouLend's credit policies and risk appetite.
• Use Excel and internal tools to analyze financial and operational data.
• Identify trends, patterns, and potential risks that may affect a merchant's creditworthiness.
• Assess applications and make or recommend clear, well-reasoned credit decisions.
• Validate the accuracy, completeness, and consistency of information provided for each deal.
• Clearly document the reasoning behind each decision.
• Escalate complex or higher-risk applications when appropriate.
• Work closely with other teams to support consistent decision-making.
• Manage applications efficiently while maintaining high standards of accuracy and quality.
• Suggest improvements to processes, controls, automation, and internal tools.
• Contribute feedback as YouLend's credit decisioning processes continue to develop.

Skills, Knowledge & Expertise

• Strong analytical and problem-solving skills.
• The ability to interpret data, identify relevant information, and reach sound conclusions.
• Intermediate Excel skills, including pivot tables, lookup functions, and data visualization.
• A high level of accuracy and attention to detail.
• Clear written and verbal communication skills.
• The confidence to explain your reasoning and contribute to discussions.
• Strong organization and time-management skills.
• The ability to manage competing priorities in a fast-paced environment.
• A proactive and adaptable approach to work.
• An interest in credit risk, financial analysis, data, and technology.

Relevant experience can come from employment, internships, academic work, or other practical settings.

Nice-to-haves

• Previous experience in credit, underwriting, lending, financial analysis, or another data-focused role.
• A degree or equivalent practical experience in finance, economics, data science, mathematics, or a related subject.
• An understanding of small-business finance, cash-flow analysis, or credit risk principles.
• Experience in fintech, financial services, or a fast-growing technology business.

You do not need to meet every preferred qualification to apply. If you are interested in the role and believe your experience is relevant, we would like to hear from you.

What success looks like after six months

After six months, you should be able to:

• Use YouLend's systems, tools, and credit policies confidently.
• Assess applications accurately within your agreed level of authority.
• Produce consistent, well-reasoned, and clearly documented credit decisions.
• Manage your workload while meeting expected quality and turnaround times.
• Recognize when an application requires additional review or escalation.
• Work effectively with colleagues across all teams.
• Identify at least one practical improvement to a process, control, or decisioning workflow.

Job Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work in 2024, 2025 and 2026" 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:

• Health Care Coverage. YouLend covers 80%; employee contribution is 20% of the premium.
• 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