What are the responsibilities and job description for the Credit Eligibility Analyst position at YouLend?
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 YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9 geographies across the UK, EU and the US.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role:
As a Credit Eligibility Analyst at YouLend, you will play a vital role in the credit application lifecycle by ensuring deals are qualified and prepared for underwriting. This includes reviewing applications for accuracy, resolving discrepancies, and collaborating across departments to ensure efficient and successful funding decisions.
Responsibilities:
- Assess and qualify credit applications using internal guidelines.
- Prepare deals to streamline the underwriting process.
- Ensure accuracy and completeness of information received for each deal.
- Resolve any discrepancies by liaising with the Sales and Credit Decision teams.
- Work to meet team SLAs and contribute to overall KPIs.
- Propose process improvements and contribute ideas for operational efficiency.
- Develop and deliver internal training where applicable.
- Maintain data integrity using CRM systems and maintain strong documentation practices.
- Strong attention to detail and ability to work with financial data.
- Confident analytical mindset with comfort in interpreting numerical information.
- Ability to collaborate cross-functionally with Sales and Credit teams.
- Familiarity with CRM systems and managing case pipelines.
- Effective verbal and written communication skills.
- Ability to work in a target- and performance-driven environment.
Desirable Skills:
- Prior experience in financial services, lending, or credit analysis.
- Familiarity with embedded finance platforms or fintech environments.
- Experience using automation tools or data dashboards (e.g., Excel, Looker, Salesforce).
- Process improvement mindset or experience with lean methodologies.
- Experience working in a start-up or scale-up environment.
We offer comprehensive benefits package that includes:
- Health Care Coverage. YouLend covers 80%; employee contribution is 20% of the premium.
- Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare.
- Dental plan coverage
- Vision plan coverage
- Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family
- Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.
- Basic Life & AD&D Insurance.
- International travel insurance covered if traveling abroad for work purposes.
- Paid Time Off (PTO)- 20 working days (4 weeks) US public holidays
- Paid Office Parking
Why join YouLend?
At YouLend, we are actively creating an equitable and inclusive environment for every YouLender to thrive. We champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion process are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.
Salary: $50,000 up to 20% annual Bonus
Salary : $50,000
