YouLend

Analyst

• Support the Credit Strategy for the US market.
• Directly contribute to US business KPIs, including growth, profitability, and loss rate.
• Collaborate with Credit Risk colleagues across geographic markets by sharing tools, insights, innovations, and emerging risks.
• Own and deliver key projects supporting the US Credit Strategy development and innovation roadmap.
• Continuously develop and innovate Credit Strategy capabilities.
• Monitor portfolio performance and identify trends in credit quality, losses, and early risk indicators.
• Prepare risk reporting and insights for senior management, including supporting Credit Committee discussions.
• Recommend actions to mitigate emerging risks and optimise portfolio outcomes.
• Build trusted relationships with credit risk analysts, underwriters, and wider business stakeholders.
• Contribute to the Credit Risk centre of excellence and uphold company culture and values.
• Ensure actions and strategies align with US Risk Governance Frameworks, Credit Risk Policy, and process documentation.
• Report to Elliot Jackson.
• Work directly with the US team and central Credit Risk function in London.

Senior Credit Risk Analyst

Human Resources

• Act as the first point of contact for HR matters across the US business
• Manage, support and develop the HR Coordinator
• Manage employee relations matters, including performance, conduct, attendance, absence and other employee issues
• Coach and provide practical HR guidance to managers
• Oversee the full employee lifecycle, including recruitment, onboarding, probation, performance management, engagement, development and offboarding
• Manage the end-to-end recruitment process with hiring managers
• Support performance conversations, employee development and engagement initiatives
• Ensure HR policies, processes and practices comply with US federal, state and local employment requirements
• Develop and implement HR policies, processes and ways of working as the US organisation grows
• Improve HR processes and the overall employee experience
• Support organisational change and business growth
• Collaborate with the wider HR team to maintain regional consistency while addressing US-specific requirements
• Contribute to HR initiatives and projects relating to culture, talent, engagement and organisational development

HR Manager

General Counsel

• Act as the primary legal business partner for YouLend’s US business
• Lead negotiations on major US partnerships with global e-commerce platforms, payment service providers and other strategic partners
• Draft, negotiate and manage complex commercial and partnership agreements
• Work with product, tech, commercial, finance and operations teams to deliver pragmatic legal advice
• Advise on scalable US product, payments and SME financing structures
• Advise on new product launches and the evolution of YouLend’s US financing offering
• Work on strategic US matters, including capital markets, restructurings, non-performing assets, group structuring and corporate governance
• Advise on US regulatory matters, including state-level regulatory considerations and bank partnership structures
• Manage external US counsel and supervise Legal team members
• Build scalable legal processes, templates and playbooks for the US business
• Lead and help shape legal strategy for YouLend’s rapidly scaling US fintech business
• Serve as primary legal business partner for US matters while working with senior stakeholders across the US business and wider group
• Collaborate with the global Legal team and use external counsel support where needed

Senior Credit Risk Analyst

HR Manager

Senior Legal Counsel