Senior Credit Risk Analyst

YouLend

. Support the Credit Strategy for the US market.

Posted 9/17/2026full-timeAtlanta • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in Credit Risk Management, including credit underwriting principles and portfolio risk management, while effectively communicating complex risk concepts to diverse stakeholders. Proven ability to analyze financial data and trends to inform strategic risk decisions and optimize portfolio outcomes.

Highest-signal resume keywords

Credit Risk ManagementCredit Underwriting PrinciplesSQL SkillsQuantitative AnalysisRisk Reporting

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit Risk AnalysisData Science Model ApplicationPortfolio Risk ManagementFinancial Statement EvaluationCash Flow Analysis

Soft Skills

Strong Communication SkillsOrganizational SkillsProblem-Solving Skills

Tools & Technologies

SQLPython

Industry Keywords

Financial ServicesFintechLendingCommercial CreditUS Lending Regulations

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

2+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit.
Proven understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management.
Outstanding quantitative and deductive reasoning skills.
Ability to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions.
Strong written and verbal communication skills, including explaining risk concepts to non-technical audiences.
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.
Competent SQL skills.
Nice to have: Python skills.
Nice to have: Experience in SME Lending.
Nice to have: Familiarity with US lending regulations and compliance requirements.
Nice to have: Experience working across international teams.

Benefits

Comp & perks

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.
High-growth organisation with clear outlook to compensation through bonus or share option appreciation 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 with direct feedback and aligned incentives.
Strong and transparent team culture.
Independent work environment where results matter.
Data-driven culture and emphasis on speed.
Health Care Coverage: YouLend covers 80%; employee contribution is 20% of the premium.
Medical insurance and prescription drug coverage through a choice of 5 United Healthcare plans.
Dental plan coverage.
Vision plan coverage.
Coverage options for employee only, employee and spouse, employee and child, or employee and family.
401K match: employee match $1 for $1 up to 5% of salary.
Basic Life & AD&D Insurance.
International travel insurance covered for work-related travel abroad.
Paid Time Off: 20 working days (4 weeks) plus US public holidays.
Paid office parking.