Junior Credit Decisions Analyst
YouLend
full-time
Posted on:
Location Type: Hybrid
Location: Berlin • Germany
Visit company websiteExplore more
Job Level
About the role
- As part of our Credit Decision Team, you will be responsible for the credit assessment of new and existing customers applying for Merchant Cash Advances (MCAs).
- You will process applications from thousands of German and Danish businesses coming through our global partners.
- You assess repayment capacity and risk profiles by analyzing financial data, financial statements, and revenue/payment data.
- You decide on the terms of financing offers (amount, duration, price), balancing risk with growth.
- Using state-of-the-art third-party systems, you manage KYC checks as well as onboarding and compliance risks.
- You work closely with other teams to continuously improve our risk engine and internal workflows.
Requirements
- 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).
Benefits
- High Performance: A highly skilled team that drives each other to peak performance through direct feedback and aligned incentive systems.
- Team Spirit: A strong, transparent culture – we stand up for one another.
- Impact: An empowered work environment where results matter.
- Agility: A data-driven way of working with a focus on speed and minimal bureaucracy.
- Build-up Opportunity: You will become part of our new team in Berlin and actively help scale the German market.
- Growth & Stability: Over 100% YoY growth meets the security of the Banking Circle Group (with a banking license in Luxembourg) and the backing of EQT.
- Development: Clear career paths and an attractive salary package, including bonus or equity programs.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
underwritingfinancial analysisdata analysisrisk assessmentKYC checkscomplianceSQLPythonRExcel
Soft Skills
analytical focusattention to detailproactivesolution-orientedproblem-solvingcommunicationteam collaborationadaptabilitytime managementdynamic work environment