Credit Operations Team Leader

Youlend Credit Operations Manager

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.

Key Responsibilities

• Leadership & Team Management
  • Lead, coach, and develop a team of between 7-10 Credit Operations Specialists in a fast-paced, high-volume environment.
  • Manage team capacity, workload balancing, and performance reviews to ensure operational coverage and excellence.
  • Foster a collaborative, motivated, and accountable team culture aligned with company values.
• Operational Oversight
  • Monitor daily pipelines and ensure that resource is being allocated in accordance with volume fluctuations and trends.
  • Troubleshoot bottlenecks, escalations, and process exceptions quickly and effectively.
  • Ensure service-level agreements (SLAs), turnaround times, and accuracy targets are consistently met or exceeded.
• Process Improvement
  • Identify and implement process efficiencies, automation opportunities, and documentation improvements.
  • Act as a key liaison between the Credit Operations, Sales and Tech teams to continuously refine and evolve eligibility processes.
• Reporting & Analytics
  • Track team KPIs and performance metrics, and report on key trends, risks, and opportunities to leadership.
  • Provide data-driven insights to enhance decision readiness and operational effectiveness.
• Compliance & Quality Assurance
  • Maintain rigorous attention to detail and ensure full compliance with internal credit policies and regulatory requirements.
  • Champion quality control practices and contribute to regular audits and feedback loops.