OverviewYouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world''s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.

We are owned by the leading private equity company, EQT, and have grown >100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States, where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.

The RoleYou will be working closely with the Head of European Operations to unite the decision-making and operational arm of our European Production Line. In this leadership role, you will be responsible for overseeing our underwriting teams in all seven European markets (Netherlands, Belgium, France, Poland, Spain, Ireland and Germany), as well as driving strategic projects to enhance our lending processes and capabilities.

The candidate would lead a team of approximately 30 FTEs including managers reporting into them:

Credit Eligibility: Responsible for conducting eligibility checks and preparing the deal for underwriting.

Credit Decisions: Underwriting and KYC/KYB teams responsible for making lending decisions.

Your primary objective will be to ensure that our European Production Line efficiently processes applications for merchant funding while maintaining high quality standards and low loss rates. The role requires strong analytical and problem-solving capabilities, as well as excellent people skills to communicate changes. It is expected that the candidate can work independently and proactively.

This role will focus on improving outcomes, processes, and efficiencies across the underwriting teams. You will work closely with stakeholders in Credit Risk, Compliance, and Product to implement policies that achieve a good risk-return trade-off and compliance with local regulations.

Requirements

A strong track record of managing people (ideally 15+ direct reports) and mentoring your team.

2+ years'' experience at a high-growth fintech, bank, or top strategy consulting firm. Exposure to SME lending in continental Europe is a plus (preferably cash advances).

Project management experience in fast-paced environments such as start-ups or scale-ups.

Strong problem solving, analytical, and mass data manipulation skills (SQL, Python, R, etc.).

Hands-on, proactive, and able to act with urgency—pushes projects forward, removes blockers, and gets things done.

Proven track record of delivering against ambitious targets.

Excellent written and verbal communication.

Excellent change management capability.

Why join YouLend?It\''s just getting fun:

We have developed powerful solutions, won significant partnerships, and are growing at a rapid pace.

The global opportunity is massive, and YouLend is a fast-growing, evolving organisation.

Upside and Benefits

High growth with >100% YoY since 2020, offering strong compensation potential (bonus or equity) and career progression.

Well-capitalised with private equity backing.

Part of Banking Circle Group with a fully licensed Luxembourg bank to support European expansion in regulated markets.

Motivating work environment with a high-quality team, direct feedback, and aligned incentives.

Strong, transparent team culture with a supportive environment.

Independent work environment where results matter; data-driven culture and speed.

Salary, Start Date and DetailsExpected start date: as soon as possible.

Salary: a competitive market salary + bonus + equity.

Benefits

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.

Role Details

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Other

Industries: IT Services and IT Consulting

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