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.
The Role:
We are seeking a highly motivated and analytical professional to lead portfolio pricing decisions by collaborating with cross-functional teams, including commercial, risk, and capital. The ideal candidate will have a strong strategic mindset, excellent communication skills, and the ability to balance commercial objectives, risk tolerance, and financial outcomes to drive optimal pricing strategies.
Requirements
* Pricing Strategy Development:
o Lead the development and refinement of portfolio pricing strategies to meet revenue, margin, and risk objectives
o Align pricing decisions with market dynamics, customer behavior, and business goals
* Stakeholder Collaboration:
o Act as the key liaison between commercial, risk, and capital teams to ensure cohesive pricing approaches
o Facilitate regular discussions to balance profitability, competitiveness, and risk appetite in pricing decisions
* Portfolio Analysis and Insights:
o Analyze portfolio performance to identify trends and opportunities for pricing adjustments
o Provide actionable insights to enhance portfolio returns and ensure compliance with capital requirements
* Modeling and Scenario Analysis:
o Build and maintain pricing models to evaluate the impact of pricing changes on portfolio performance and risk
o Conduct scenario analysis to forecast the outcomes of pricing strategies under various economic and market conditions
* Governance and Reporting:
o Establish governance frameworks for pricing decisions, ensuring consistency and alignment with company policies
o Prepare and present pricing performance reports and recommendations to senior management and stakeholders
Essential Skills:
* Strong analytical and problem-solving skills, with proficiency in pricing and financial modelling
* Excellent communication and interpersonal skills to influence and align cross-functional teams
* Advanced proficiency in data analysis tools (e.g., Excel, SQL, Python) and familiarity with business intelligence software
Desirable:
* Prior experience in small-medium business financing space, asset-backed securities, embedded finance platforms
* Familiarity with AI/ML tools for pricing optimization
* Comfort with ambiguity
Benefits
Why join YouLend?
* Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2024” 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
* 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.