Ideal for graduates or professionals with initial experience who want to work analytically and have an interest in FinTech, data, and credit processes.

Why the role is exciting The Berlin office is still being built, so you will join a team that is just forming. You will work at the intersection of Operations, data, and Credit Decisions, gaining direct insight into how financing decisions are prepared in a fast-growing FinTech.

Your role As the First Line of Defence in our Customer Journey, you play a central role: you ensure that financing applications are accurate, complete, and ready for the final decision. As a Junior Credit Eligibility Analyst, your primary goal is to review, validate, and ensure the quality of applications so that they meet YouLend’s minimum requirements. You will handle a high volume of Merchant Cash Advance (MCA) applications from thousands of German companies that come to us via partners such as eBay, Amazon, Just Eat, Shopify, and Stripe. You will prepare these cases for our Credit Decisions Team, which determines the final credit amount.

Key Responsibilities

• Reviewing and validating financing applications at high volume
• Analyzing revenue patterns, ownership structures, and business activities
• Ensuring all applications meet minimum requirements and internal credit guidelines
• Preparing structured and complete cases for the Credit Decisions Team
• Analyzing Dutch bank statements and large volumes of transaction data
• Identifying relevant payment flows and business activities
• Precisely capturing and structuring financial data

What you will learn

• How credit decisions are prepared in a FinTech
• Analysis of financial data and business models
• Working with large datasets and structured processes
• Collaboration between Operations, Risk, and Credit
• Working in a data-driven, fast-paced environment

Skills, Knowledge & Expertise Your profile

• You enjoy working analytically and are detail-oriented
• Confident use of Excel
• Structured and careful way of working
• Proactive, solution-oriented, and comfortable in a dynamic environment
• Fluent in English and Dutch at a minimum C1 level

Nice to have

• Initial experience in areas such as KYC/KYB, quality assurance, or transaction monitoring
• Experience in SME financing in Germany, ideally with cash advances

Job Benefits Why YouLend? We are growing fast but still in the build phase, especially in Berlin. This means a lot of responsibility, a steep learning curve, and the opportunity to have an early impact.

What we offer

• Strong growth (>100% YoY since 2020) with clear development opportunities
• Base salary + bonus
• Lunch in the office
• Fast development opportunities
• Direct feedback and minimal bureaucracy
• High level of ownership
• International environment (London, Copenhagen, Atlanta, Berlin)

Practical details

• Location: Berlin, Potsdamer Platz (office-based)
• Salary: Competitive salary + bonus
• Start: As soon as possible

Hiring process We keep the process simple and fast: 1) Intro 2) Interview with the team 3) Case study

Our goal: feedback within 1–2 weeks

Diversity and equal opportunity 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 discrimination based on race, gender, age, disability, religion, nationality, or any other protected characteristic under applicable law. Even if you don’t meet all the requirements, we look forward to your application.