Senior Pricing Analyst

Key Responsibilities

• Pricing Analysis: Utilising statistical techniques and data analysis to assess portfolio-level risk, returns, volatility, and risk aligned pricing.
• Portfolio Monitoring: Identifying trends, risks, and opportunities across customer segments using advanced analytics to ensure portfolio performance is in alignment with risk and return targets.
• Policy and Strategy Development: Supporting the creation of pricing proposals and strategies.
• Data-Driven Insights: Delivering actionable insights and recommendations to optimise risk-adjusted returns, and creating / maintaining monitoring post strategy implementation.
• Stakeholder Collaboration: Working with internal teams, including Capital Markets, Credit Risk, Commercial, Operations, and more.
• Analytical expertise and strong coding skills in SQL are essential.

Skills, Knowledge & Expertise

• A degree in Finance, Statistics, Economics, Mathematics, or a related field.
• Proficient in SQL, with python experience highly beneficial.
• Experience with cash flow simulations and IRR / NPV calculations.
• Experience in pricing or portfolio management.
• Understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
• Experience with data visualization tools and techniques.
• Excellent analytical, problem-solvings kills and attention to detail.
• Experience with statistical analysis. Desirable Skills
• Experience in SME lending.
• Tableau experience.
• Python and VBA experience.

Benefits

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024, 2025 and 2026” 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 have developed powerful solutions, secured significant partnerships, and are growing rapidly.
• The global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with the business).
• Well-capitalised with supportive private equity backing.
• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.
• Strong, transparent team culture: we have each other’s backs.
• Independent work environment where results matter.
• Data-driven culture and emphasis on speed (anti-red tape).

• Private Medical Insurance (via Vitality)
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Great office space (including a gym!) in Central London
• Subsidised lunch (via Feedr)
• Deliveroo allowance if working late in the office
• Monthly in-office masseuse
• Team and Company socials
• Sports clubs