Key Responsibilities

• Be at the forefront of building an independent underwriting function in EU, balancing growth with risk-adjusted returns (not just approvals) – bridging market standards with the best of YouLend
• This includes recruiting and developing Team Leaders who can support you in the day-to- day management of the underwriting team (25+ people expected within 12 months)
• Play an active role in Credit Committee, acting as a trusted expert in your field
• Own end-to-end performance: Manage the implementation of global Credit Risk guidance, analysing bottlenecks and delivering strategies to increase adoption
• Collaborate with cross-functional teams (e.g. Credit Risk, Compliance, Capital Markets, Product and Commercial) to continuously optimise underwriting tools, processes, and policies. Use data to proactively identify, propose and execute solutions to bridge policy gaps and adjust Credit Risk models, aimed at improving efficiency or returns
• Establish quality control measures to maintain high standards of accuracy and consistency across teams, including regular audits to verify adherence to internal policies and processes
• Hire and develop managers and individual underwriters alike, cemented in scalable training infrastructure
• Help take new products, partners, and markets from zero to one with the appropriate conversion-risk trade-off
• Act as a change leader, implementing improvements quickly and effectively and embedding them sustainably within the teams — with minimal disruption to day-to-day operations

Skills, Knowledge and Expertise

• 3+ years’ direct experience with underwriting or risk. Ideally, working as a senior stakeholder in a growing FinTech company, in the financial services sector or at a bank
• A strong understanding of credit risk in continental EU, specifically Germany, coupled with a commercial mindset
• A strong track-record of managing people (ideally 10+) and mentoring your direct reports. Ideally, you also have experience in managing managers
• Hands-on mentality: You are proactive, act with urgency, drive projects forward, remove obstacles, and consistently implement solutions
• You take responsibility for outcomes, not tasks, and drive projects to completion without supervision
• You are data-driven, comfortable in numbers, and able to make decisions with imperfect information
• Successful track-record of achieving ambitious goals
• Strong change management skills and experience in managing change processes
• Excellent written and verbal communication skills
• Fluent in German and English

Desirable skills:

• Strong analytical and problem-solving skills, with experience working with large datasets (e.g. SQL, Python, R)
• Exposure to SME financing in continental EU, ideally with Merchant Cash Advances

Benefits

Why YouLend?

• We have built powerful solutions, secured major partnerships, and are growing at exceptional speed
• The global growth opportunity is substantial — YouLend is still in build mode, and this is just the beginning
• You will join the fastest-growing part of the business and play a key role in building and scaling our newest office in Germany

Significant Growth Potential

• Strong growth (>100% YoY since 2020) → clear perspectives for salary, bonus, equity, and career development
• Financially strong thanks to private equity backing
• Part of the Banking Circle Group with a fully licensed bank in Luxembourg – enabling expansion into complexly regulated markets

Motivating Work Environment

• A top-level team that pushes each other and thrives on direct feedback
• Strong, transparent culture – we stick together
• High degree of autonomy; results matter
• Data-driven work style, minimal bureaucracy, fast pace

Start date: As soon as possible

Salary: Competitive market salary plus bonus

Location: Berlin, Germany (office-based role)