Application Deadline: 2 July 2026
Department: Credit Operations (Europe)
Employment Type: Permanent
Location: Berlin
Reporting To: Weronika Cieraszewska
Compensation: €42,000 / year
Description
Ideal for graduates or profiles with initial experience who want to work analytically and have an interest in FinTech, data, and credit processes.
The Berlin office is still being built - so you are joining a team that is just being formed.
You work at the intersection of Operations, data, and Credit Decisions and gain direct insight into how financing decisions are prepared in a fast-growing FinTech.
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 work with a high volume of Merchant Cash Advance (MCA) applications from thousands of German companies coming to us via partners such as eBay, Amazon, Just Eat, Shopify, and Stripe.
You prepare these cases for our Credit Decisions Team, which determines the final credit amount.
Key Responsibilities
- Reviewing and validating financing applications at high volume
- Analysis of revenue patterns, ownership structures, and business activities
- Ensuring that all applications meet minimum requirements and internal credit guidelines
- Preparing structured and complete cases for the Credit Decisions Team
- Analysis of German bank statements and large volumes of transaction data
- Identifying relevant payment flows and business activities
- Precise capturing and structuring of financial data
- 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
- You enjoy working analytically and are detail-oriented
- Confident use of Excel
- Structured and careful way of working
- You are proactive, solution-oriented, and comfortable in a dynamic environment
- You are fluent in English and have German skills at a minimum C1 level
- Initial experience in areas such as KYC/KYB, quality assurance, or transaction monitoring
- Experience in SME financing in Germany, ideally with cash advances
We are growing fast but are 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.
- Strong growth (>100% YoY since 2020) ?' 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)
- Location: Berlin, Potsdamer Platz (office-based)
- Salary: Competitive salary + bonus
- Start: As soon as possible
- Intro
- Interview with the team
- Case study
Our goal: feedback within 1-2 weeks
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.
Even if you don't meet all the requirements, we look forward to your application.