Credit Risk Analytics Manager

What’s Yonder?

“It's as if Time Out, Amex and Monzo had a baby” - Will T, Yonder Member

We’re building the financial membership of the future. One that works for how you live now. Not how your parents banked in the ‘90s.

Yonder combines credit and debit in one membership, designed to be fair, flexible, and actually enjoyable to use. No confusing terms. No dusty points system. Just rewards that actually feel rewarding - from bao to beer to a boarding pass.

We raised £23.4M in September 2024 to grow the team, launch even better rewards, and expand beyond the UK. If that sounds good to you, you’ll probably like it here 🎉

Sounds cool. What’s my part in this?

Over the last year we've added a debit card, a free membership tier, hundreds of new independent partners around the country, and countless product improvements. As our customer base continues to grow and expand, we need to be even smarter about the lending decisions we make and the credit lines we offer. We’re hiring for two Credit Risk Analytics Managers to join Chief Risk Officer Theso in protecting Yonder and its customers from lending and underwriting risk - while also driving growth.

You’ll be at the centre of Yonder’s credit risk strategy - owning the design, implementation, and improvement of how we acquire, manage, and grow our customer base. This is a hands-on role where you’ll have space to try new strategies, measure their impact, and adjust quickly without the red tape of a slow-moving bank. If you love credit risk, have a few years’ experience, and are itching to take full ownership in a fast-paced environment, this is the role for you.

What you’ll do

• Bring in the right customers: You’ll continuously improve our lending decisions, making sure we can approve customers who’ll love Yonder and pay us back on time - and decline those who won’t.
• Help our members grow with us: You’ll find ways to responsibly boost spending, balances, and long-term value from our existing customers. You’ll own this end-to-end: from coming up with an idea, to deploying it quickly, to learning from the result.
• Make changes that stick, fast: You’ll build and tweak credit rules directly in our decisioning tool, Taktile. At Yonder, you can implement good ideas yourself, and changes go live without the wait.
• Solve problems across the business: Credit risk is an important factor in many decisions at Yonder. You’ll work with the marketing team to help attract the right members, with finance to sharpen our credit loss forecasts and provisioning, and with collections to identify customers who are likely to miss a payment and help them get back on track before they do.
• Spot what’s coming: You’ll build monitoring and dashboards, and use these to spot new risks or opportunities before they happen. You’ll also partner with fraud to spot signs of risky early behaviour in new customers, before this turns into losses.

You're a great fit if you

✅ Have a few years’ experience in credit risk, ideally with credit cards or unsecured lending. Bonus points if you have experience with collections or portfolio management!

✅ Get how lending decisions affect commercial outcomes and know your way around scorecards and predictive models.

✅ Can write SQL or Python to dig into data and keep an eye on risk and performance.

✅ Have experience working hands-on in decisioning tools like Taktile (or similar).

✅ Own problems end-to-end: you see an issue, dive in, and fix it fast.

You won’t be a great fit if you

👎 Haven’t worked in credit risk or don’t understand how lending choices impact the business.

👎 Shy away from hands-on work: this isn’t an advisory role, and you’ll need to jump in to deliver changes yourself.

👎 Prefer highly structured environments or struggle with ambiguity. Credit risk at Yonder is constantly evolving, requiring adaptability and creative problem-solving.

👎 Are hesitant to take ownership and lead projects. This role requires proactivity and the ability to drive initiatives forward.

👎 Prefer working solo or in a specialised area, rather than teaming up and solving problems across marketing, collections, finance, and fraud.

What’s it like working at Yonder?

🏢 We’re office-first, remote-friendly

We’re based in our Hoxton office, complete with a terrace, breakfast, coffee (from a barista), dogs, beer taps and plenty of comfortable space to do your best work. We expect you to come into the office at least 3 days a week, with everyone coming in on Mondays.

🤍 We take a values-led approach

Our principles are incredibly important to us, so we recommend you check them out here: Our DNA

📚 We take development really seriously

We have a pretty structured process for progression, with fortnightly one-on-ones and quarterly peer perspectives. We also take some time at the end of each week to reflect and celebrate what we’ve learned and achieved.

What’s in it for me?

Depending on your skill set and what you can bring from day one, you’ll be looking at:

💰 £64,617 - £73,389 annual salary

📈 £43,605 - £59,149 stock options

Plus

✈️ 35 holidays (27 days annual leave + 8 days public leave)

⛷ 2x team-building offsites per year (1 in the UK, 1 abroad)

❤️‍🩹 Private healthcare with Vitality, including mental health, dental & vision cover

🐣 16 weeks enhanced parental leave for all parents after being with Yonder for 1 year

🐙 Financial coaching with Octopus Money

🧠 Learning & training allowance (£750/year) that you can use on books, courses, etc

🍳 Regular team breakfasts and lunch

⛳️ Regular team events like Mini-golf, Escape Room, Cocktail making

🚴 Cycle-to-work scheme

☕️ Fresh pour-over coffee made by our very own CEO, Tim

What’s the interview process like?

We take the candidate experience really seriously, so we’ve made the process as transparent as possible. We also promise to be super responsive, and will never leave you wondering where you stand for weeks on end.

Here’s how it works:

• Stage 1: Intro call (45 mins): We’ll have an initial call with to find out more about you and to tell you more about us.
• Stage 2: Take home task (48 hours to complete): A take-home task designed to see how you think about credit risk and make the right credit risk decision with data that is provided.
• Stage 3: Face-to-face interview (2.5 hours): One 90-minute and one 60-minute interview to learn more about how you work. This will also be a great opportunity for you to meet the rest of the team so we would love it if you can come into the office for it! Interviews will be structured as follows:

We’ll also include a 15-minute comfort break ☕️

• Experience interview: We’ll have two tasks for 45-minutes each. Each task is designed to give you a feel for what you’ll likely expect to see in the role and also gives you an opportunity to showcase your experience. This stage will be with Theso and a fellow member from our risk team.
• Values interview: We want to learn more about how you work - we’ll ask you questions related to our principles ( Our DNA ). This stage will be with two people from our wider team.
• Stage 4: We always complete reference checks at this stage - ideally with a previous manager and a peer over the phone
• Stage 5: Offer If everyone’s happy, we’ll make you an offer to join us - YAY! 🎉 We hope to always give you a decision between each stage within 24 hours (where possible).

Other things to know:

• We love closing the feedback loop at Yonder. You can expect specific feedback on our decision from Stage 2 onwards, and you can always ask for more.
• We must complete right to work & criminal, politically exposed persons, and default to credit notice background checks for every new Yonder-er for compliance purposes because we handle sensitive customer data.
• We like to move quickly at Yonder, so we will be ready to onboard you once the above checks are complete - the entire process can take between 2 - 6 weeks.

🌈 We know that diverse teams build better products. If you’re from an under-represented community, we’d especially love to hear from you.

👉 Even if you don’t feel 100% qualified, please do apply anyway. Your attitude and desire to grow are just as important as your experience.