Credit Eligibility 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.

We are seeking a motivated and experienced Credit Eligibility Team Lead to oversee and drive the performance of our 13-person Eligibility team within the Credit Operations Department. This team plays a pivotal role in ensuring all submitted deals are thoroughly reviewed, verified, and ready for assessment by our Credit Decisions team. You will be responsible for managing daily workflows, supporting your team to meet key performance metrics, and fostering a culture of high standards, collaboration, and continuous improvement.

Key Responsibilities

• Leadership & Team Management
• Lead, coach, and develop a team of 13 Credit Eligibility Specialists in a fast-paced, high-volume environment.
• Manage team capacity, workload balancing, and performance reviews to ensure operational coverage and excellence.
• Foster a collaborative, motivated, and accountable team culture aligned with company values.
• Operational Oversight
• Monitor daily pipelines and ensure all deals meet the required quality and readiness standards for the Credit Decisions team.
• Troubleshoot bottlenecks, escalations, and process exceptions quickly and effectively.
• Ensure service-level agreements (SLAs), turnaround times, and accuracy targets are consistently met or exceeded.
• Process Improvement
• Identify and implement process efficiencies, automation opportunities, and documentation improvements.
• Act as a key liaison between the Credit Decisions, Sales and Tech teams to continuously refine and evolve eligibility processes.
• Reporting & Analytics
• Track team KPIs and performance metrics, and report on key trends, risks, and opportunities to leadership.
• Provide data-driven insights to enhance decision readiness and operational effectiveness.
• Compliance & Quality Assurance
• Maintain rigorous attention to detail and ensure full compliance with internal credit policies and regulatory requirements.
• Champion quality control practices and contribute to regular audits and feedback loops.

Requirements

Skills & Experience

• Proven experience in leading a large team (10+ members) within a high-volume, fast-paced operations or credit function.
• Strong leadership, coaching, and performance management skills.
• Deep attention to detail with a process-driven mindset and passion for quality.
• Excellent organizational and prioritization skills; able to balance strategic oversight with day-to-day execution.
• Experience working with cross-functional teams including credit, Sales, and tech stakeholders.
• Data-driven decision making and comfort working with performance dashboards and operational reporting tools.
• Prior experience in operations in financial services is strongly preferred.

Desirable Skills:

• At least 3 years working as a team lead in a fintech environment

Benefits

Salary: £50,000 and up to 7.5% performance-based bonus quarterly.

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2024 and 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
• Cycle to work scheme
• 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.