Job Description

Quality Control Associate

Department: Credit Operations (UK)

Employment Type: Permanent

Location: London

Reporting To: Brandon Harris

YouLend is looking to hire a Quality Control (QC) Associate. As a QC Associate, you will perform quality control checks for Credit Decisions (CD), Credit Eligibility (CE), and Loan Closing (LC) processes.

Key Responsibilities

• Conduct regular quality control (QC) checks on underwriting decisions for both initial applications and renewals.
• Perform thorough reviews of (SME) underwriting decisions, ensuring accuracy and adherence to internal guidelines, policies, and external regulations. - This includes analysis of management accounts and reports, assessing commercial bureau data, and ensuring appropriate financial metrics and risk factors are evaluated correctly.
• Identify underwriting errors, inconsistencies, or areas for improvement, and provide feedback to the respective teams or individuals to enhance performance.
• Conduct targeted reviews of potential fraud cases, ensuring that fraud detection policies and measures are effectively implemented.
• Collaborate with the Credit Policy and Oversight Manager to maintain a proactive and comprehensive QC framework across underwriting and Loan Decision processes.
• Supporting in refining underwriting policies and procedures to improve overall quality and operational efficiency.
• Prepare regular reports summarising QC findings, recommendations for improvements, and performance against key metrics.
• Work closely with the CR team and other departments to ensure continuous improvement in underwriting and decision-making quality.

Skills, Knowledge & Expertise

• SME Underwriting Experience: Minimum of [2 years] in underwriting, with hands-on experience in assessing management accounts and commercial bureaus.
• Proven ability to work within a structured QC framework, identifying inconsistencies or errors, and driving improvements.
• Strong analytical skills with attention to detail, ensuring all reviews are thorough and accurate.
• Excellent communication skills, both written and verbal, with the ability to provide clear, actionable feedback to improve underwriting performance.
• Ability to work independently and collaborate with cross-functional teams.
• QC Experience: Previous experience in conducting QC checks, including reviewing underwriting decisions, assessing quality metrics, and providing constructive feedback to individuals or teams.

Job Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024 and 2025” 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.

It's just getting fun

• We have developed powerful solutions, secured significant partnerships, and are growing rapidly.
• The global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with the business).
• Well-capitalised with supportive private equity backing.
• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.
• Strong, transparent team culture: we have each other’s backs.
• Independent work environment where results matter.
• Data-driven culture and emphasis on speed (anti-red tape).

We offer a comprehensive benefits package that includes:

• Stock options
• Private Medical Insurance (via Vitality)
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Great office space (including a gym!) in Central London
• Subsidised lunch (via Feedr)
• Deliveroo allowance if working late in the office
• Monthly in-office masseuse
• Team and Company socials
• Sports clubs

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.