Senior Credit Decisions Analyst (m/w/d)

As a Senior Credit Decisions Analyst (Underwriter), you will be responsible for credit assessments of new and existing customers applying for Merchant Cash Advances (MCAs). You will process complex, medium to high value financing applications from thousands of local businesses in Germany. Your primary goal is to analyse customers’ financial data, assess their affordability and credit profile, and determine the terms of their financing offers, including amount, duration, and fees. It is important to make responsible, data‑driven credit decisions that balance growth, risk, and good customer service, while complying with internal guidelines and external regulations.

Department: Credit Operations (Europe)

Location: Berlin

Key Responsibilities

• In-depth analysis: Assess repayment capacity and risk profiles by analysing financial data, financial statements, and revenue/payment data.
• Structuring: Decide on the terms of financing offers (amount, duration, price), balancing risk with growth.
• Risk & Compliance: Using state‑of‑the‑art third‑party systems, manage KYC checks as well as onboarding and compliance risks.
• Process optimisation: Work closely with other teams to continuously improve our risk engine and internal workflows.
• Mentoring opportunities: Support the build‑out of the German Credit Decisions team (+25 expected in 12 months) and mentor junior team members as the team grows.
• Continuous improvements: Help shape and execute our credit policies and tools in Germany, ensuring they are aligned with the market and our risk appetite.

Skills, Knowledge and Expertise

• Analytical focus: Enjoy working with data and possess high attention to detail.
• Experience: 3+ years in underwriting or finance; highly motivated talents with a strong analytical background are also welcome.
• Tech savvy: Proficiency in Excel is a prerequisite.
• Hands‑on mentality: Proactive, solution‑oriented, and comfortable working in a dynamic environment with daily deadlines.
• Languages: 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.

Benefits

Why join YouLend?

• Award‑Winning Workplace – recognised as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times.
• Award‑Winning Fintech – recognised as a “Top 250 Fintech Worldwide” company by CNBC.

It’s just getting fun:

• We have developed powerful solutions, won significant partnerships, and are growing at a rapid pace.
• 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), offering clear outlook to compensation (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, 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).