Credit Decisions (Underwriting) Team Lead

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:

This role sits within our European Operations. You will be responsible for supervising and motivating team members on a daily basis. As a team leader, you will be the contact point for all team members, so your communication skills should be excellent. You should also be able to act proactively to ensure smooth team operations and effective collaboration. You will report to Berna Sahin (Head of European Operations). You will manage a team of 5 - 10 and oversee applications from 1-2 key regions in EU.

Requirements

• Contribute to the creation of an inspiring team environment with an open communication culture. 1-2 years experience leading a team is essential.

• Set clear team goals. Monitor and manage team performance.
• Oversee day-to-day operation and queue management.
• Motivate team members. Quality check team members.
• Discover training needs and provide coaching. Develop and progress strong team members.
• Listen to feedback and resolve any issues or conflicts.
• Recognize high performance and reward accomplishments.
• Encourage creativity. Subject matter expert on projects.
• Suggest and organise team building activities.
• Assist with hiring and training employees.
• Credit decision large exposures on an ad-hoc basis.
• Liaise with key stake holders including auditors.
• Assist with case referrals and exceptions.
• Have experience with Underwriting

Desirable:

• Proven track-record in underwriting, KYC, or payments would be preferable, but not essential. 

Salary: £50,000 per year + quarterly performance bonus

Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 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.

We offer comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Squash Club

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions 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.