YouLend

Collections

• **The Role**
• To meet the growing demand for our technology and services, we are seeking a Collections Team Lead to join our Collections & Recoveries department. In this role, you will be instrumental in unlocking the full potential of our people and driving exceptional team performance. You will recruit, develop and empower a high-performing team while fostering a culture of accountability, growth and results. Working closely with other team leaders and senior leadership, ensuring our operations deliver maximum impact and efficiency.
• As one of the fastest-growing FinTech businesses globally, we are looking for an exceptionally talented and self-motivated individual with the ambition to build a long-term career within our company.
• **What you will do **
• As a leader, you will recruit, develop, and manage a high-performing team of Collections Agents, inspiring and motivating them to consistently meet and exceed KPIs and SLAs. You will provide ongoing coaching through regular one-to-one meetings, performance reviews, and team sessions, fostering a collaborative, accountable, and growth-oriented culture.
• In this role, you will oversee daily collections activities across multiple lending geographies, handle escalated or complex customer cases with professionalism and empathy, and work closely with Customer Success and other departments to resolve issues and embed best practices.
• You will drive efficiency through process improvements and the smart use of data and automation, ensuring all activities comply with internal policies, FCA guidelines, and TCF principles. Using data and analytics, you will monitor performance, identify trends, and inform strategic decisions, while championing fair customer outcomes and sustainable repayment solutions.

Collections Team Lead

Payroll

• Manage end-to-end payroll processing for employees in the UK, US, and future EU countries, in partnership with payroll providers.
• Collect, review, and input payroll data (new hires, terminations, salary changes, bonuses, deductions, etc.) ensuring accuracy and timeliness.
• Reconcile payroll reports and coordinate approvals with Finance each pay cycle.
• Act as primary point of contact with payroll providers and monitor service levels.
• Stay informed of regulatory changes affecting payroll and benefits in all relevant jurisdictions.
• Manage employee benefits programs liaising with vendors and employees as needed.
• Respond to employee inquiries regarding payroll and benefits matters.
• Collaborate with HR and Finance to support audits and reporting.
• Identify and implement process improvements for payroll and benefits operations.

Payroll and Benefits Manager

Analyst

• Decision applications and price deals
• Ensure acceptable terms while deciding the size, duration, and price of an application
• Complete KYC checks using 3rd party tools to verify customer, flagging high risk applications

Credit Decisions Analyst – Underwriter, French Speaking

• **The Role**
• To meet the growing demand for our technology and services, we are now seeking a French-speaking Collections Executive to join our department. You will be responsible for promoting and sustaining a constructive, supportive and professional working relationship with all customers and colleagues. Being one of the fastest growing Fintech businesses globally we are looking for exceptionally talented and self-motivated person who has a desire to build a career within the Company.

Collections Executive, French Speaking

• As a Credit Eligibility Analyst, you will be using YouLend guidelines to quality and prepare applications before they are underwritten by our Credit Decision team.
• Contributing ideas to improve the ongoing process, validating the accuracy and completeness of information received for each deal and liaising with the Credit Decisions and Sales teams to ensure the success of every deal!!

Junior Credit Eligibility Analyst, German Speaking

Financial Planning and Analysis

• Utilising NetSuite to manage ledgers and complete balance sheet reconciliations in accordance with month-end closing timelines
• Assist in preparation of statutory accounts (IFRS / Local GAAP)
• Key involvement in statutory audits for group and local entities, partnering with external auditors and ensuring compliance with audit standards and local accounting regulations
• Maintain internal control standards and supporting the implementation of best practices in financial compliance
• Provide financial insight to senior management and support decision-making with data-driven analysis
• Drive and support accounting system and process enhancements, identifying opportunities for automation and efficiency gains

Financial Accountant

• Support the day-to-day operations of the finance function.
• Assist with key transactional and reporting processes while maintaining accuracy and efficiency in all financial records.
• Collaborate with the wider finance team and participate in projects and tasks relevant to financial operations.

Junior Finance Assistant

Platform Engineer

• Drive the design and improvement of YouLend’s developer platform and infrastructure
• Write and reason about code (preferably in C#/.NET or Python)
• Build scalable infra using Terraform and Kubernetes
• Shape standards, tooling, and infrastructure patterns

Senior Platform Engineer

Financial Crime

• Review customer transactions and alerts (including disbursements, repayments, and account activity) to identify unusual patterns or red flags in real-time and post-event scenarios.
• Conduct in-depth reviews on higher risk customers, including gathering additional documentation, performing open-source intelligence (OSINT) checks, and assessing risk indicators.
• Investigate suspicious transactions, credit applications, identity mismatches, and fraud attempts (e.g., synthetic identities, mule activity, account takeovers), escalating where appropriate.
• Maintain accurate and complete investigation records, create internal case files, and support the preparation of Suspicious Activity Reports (SARs) in line with regulatory standards.
• Work closely with credit risk, underwriting, collections, and engineering teams to resolve fraud cases and help build smarter detection workflows.
• Contribute to the improvement of financial crime detection systems by feeding back learnings and supporting updates to monitoring rules, alerts, and internal procedures.
• Stay current on relevant AML, fraud, and fintech regulatory obligations (e.g., UK FCA, JMLSG, MLRs, POCA, PSD2) and ensure investigations are aligned with compliance requirements.

Financial Crime Operations Analyst

• **The Role**
• We are seeking a Senior Credit Risk Analyst with strong experience in the German 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..

Senior Credit Risk Analyst

• Develop and manage analytical tools to evaluate and monitor credit risk across portfolios.
• Utilise statistical techniques and data analysis to assess portfolio-level credit risk.
• Identify trends, risks, and opportunities across customer segments using advanced analytics.
• Support the creation of credit risk policies, underwriting strategies, and pricing.
• Deliver actionable insights and recommendations to optimise risk-adjusted returns.
• Collaborate with operations, product, finance, and compliance to align risk management with business goals.

Underwriter

• YouLend is a rapidly growing FinTech and the preferred embedded financing platform for many leading e-commerce platforms, tech companies, and Payment Service Providers.
• Enables partners to extend their value proposition by offering flexible financing products in their own branding without capital at risk.
• Owned by EQT and has grown >100% year-on-year since 2020.
• Headquartered in London, UK, and present in several European countries and the United States.
• Services partners including eBay, Amazon, Just Eat, Shopify, and Stripe.
• Expected start date: As soon as possible.
• Salary: A competitive market salary + bonus + equity.

Head of Credit Operations/Underwriting

Human Resources

• About Us: YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments.
• Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base; with AI-driven credit risk assessment solutions to deliver fast, flexible and affordable funding.
• We operate in 9+ geographies across the UK, EU and the US.
• We believe the future of financial services will be delivered by customer-oriented tech companies embedding financing in customer journeys.
• The Role: As the HR Manager, you'll manage the entire employee lifecycle, develop targeted training programs, resolve ER cases, and perform HR administrative duties to drive our people strategy and ensure we continue to attract, retain, and develop exceptional talent.