Jr. Credit Analyst - Kreditsachbearbeiter:in.

Do you enjoy working with numbers, spotting inconsistencies, and understanding how financial information supports financing decisions?

Then this could be the right opportunity for you.

As we build our new team in Berlin, we are looking for analytical, detail-oriented and motivated individuals who are excited to take ownership, learn and grow with us.

At YouLend, you will work at the intersection of financial data analysis, credit eligibility and operational processes. You will review financing applications from German businesses, analyse bank transactions and ensure our Credit Decision teams have accurate and reliable information to support their underwriting decisions.

What makes this opportunity different?
You don't need years of experience in credit or finance. What matters most to us is your analytical mindset, attention to detail, problem-solving ability and willingness to learn.

About YouLend

YouLend is a fast-growing international FinTech company specialising in embedded finance.

We enable leading e-commerce platforms and payment service providers, including eBay, Amazon, Shopify and Stripe, to offer flexible financing solutions to their business customers.

Headquartered in London, with international teams and the backing of the Banking Circle Group and EQT, we combine the agility of a technology-driven business with the strength of an established international organisation.

We are now building our team in Berlin and are looking for people who want to do more than simply follow processes. We value individuals who think critically, take initiative and actively contribute to improving the way we work.

Your Role & Responsibilities

Analyse financial data

• Review German bank statements and analyse business transaction activity.
• Identify and accurately categorise relevant transactions, particularly incoming customer payments and invoice-related transactions.
• Recognise unusual patterns, missing information and discrepancies, investigating these systematically to ensure data accuracy.

Review and prepare financing applications

• Assess financing applications for completeness, consistency and data quality.
• Organise and prepare relevant financial information for our Credit Decision teams.
• Ensure applications are processed accurately and efficiently in accordance with internal guidelines.

Collaborate and improve processes

• Work closely with our Credit Decision and Sales teams to resolve questions, discrepancies and missing information.
• Document findings clearly and communicate effectively with colleagues across different teams.
• Contribute ideas to improve workflows, data quality and operational efficiency.

What We're looking for

• Analytical thinking: You enjoy working with numbers and data, identifying patterns and questioning information when something doesn't add up.
• Attention to detail: You take pride in accuracy and can maintain high standards even when working on repetitive or detailed tasks.
• Excel skills: You are comfortable organising, filtering and analysing data in Excel. Familiarity with functions such as VLOOKUP/XLOOKUP and PivotTables is an advantage.
• Ownership and accountability: You manage your workload independently, prioritise effectively and take responsibility for delivering accurate work on time.
• Teamwork and communication: You communicate openly, respond constructively to feedback and enjoy collaborating with others.
• Language skills: You have excellent German skills (minimum C1), particularly in reading and interpreting financial documents, and good English skills for working within an international team.

A degree in Business Administration, Finance, Economics or a related field would be a good foundation. We also welcome applicants with relevant vocational training, including commercial or banking qualifications, who demonstrate strong analytical abilities.

More important than a specific qualification is how you think, approach problems and work with information.

Nice to Have

• Initial experience in finance, banking, FinTech, controlling or data analysis, including internships or working student positions.
• Familiarity with bank statements, payment transactions or financing applications.
• Experience working with larger datasets or tools such as SQL or Python.
• An interest in business financing, credit risk and digital financial products.

You don't need to meet every requirement. If you have a strong analytical mindset and are motivated to develop your skills, we'd still love to hear from you.