Jobbeschreibung
Key Responsibilities
* In-depth Analysis: You assess repayment capacity and risk profiles by analyzing financial data, financial statements, and revenue/payment data.
* Structuring: You decide on the terms of financing offers (amount, duration, price), balancing risk with growth.
* Risk & Compliance: Using state-of-the-art third-party systems, you manage KYC checks as well as onboarding and compliance risks.
* Process Optimization: You work closely with other teams to continuously improve our risk engine and internal workflows.
Voraussetzungen
Skills & Expertise
* Analytical Focus: You enjoy working with data and possess high attention to detail.
* Experience: Ideally, you have 1–2 years of experience in underwriting or finance; however, we also welcome highly motivated talents with a strong analytical background.
* Tech Savvy: Proficiency in Excel is a prerequisite.
* Hands-on Mentality: You are proactive, solution-oriented, and comfortable working in a dynamic environment with daily deadlines.
* Languages: You communicate confidently and professionally in German and English.
Nice to Have:
* Strong analytical and problem-solving skills, as well as experience handling large datasets (e.g., SQL, Python, R).
* Experience in the field of SME financing in Germany, ideally with Cash Advances.
Wir bieten Ihnen
Benefits
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.
* You will be a part of the fastest-growing area of the business with a unique opportunity to open and scale our newest office in Germany.
Lots of upside:
* High-growth (>100% growth YoY since 2020), 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).