Credit Fraud Strategy Manager

YouLend Limited; London; On-site; GBP 80,000 - 100,000

Job description

About Us

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.

The Role:

We’re seeking a Credit Fraud Strategy Manager with strong experience in credit fraud detection and prevention to lead and enhance our strategic approach to managing fraud risk.

In this role, you’ll take ownership of our fraud strategy across all operating regions (currently the UK, EU and US), ensuring the right balance between loss mitigation and customer experience by minimising false positives and reducing unnecessary friction.

You’ll work closely with our fraud operations and underwriting teams to evaluate current fraud exposures, assess the effectiveness of our controls, monitor performance, and implement improvements that strengthen our fraud defences.

Responsibilities:

This is a high-impact role where you'll help shape the future of fraud prevention at YouLend, ensuring robust defences while supporting a seamless customer experience.

1. Define, manage, and continuously improve our fraud prevention and detection strategies.
2. Ensure optimal trade-off between fraud losses and customer experience.
3. Analyse and monitor fraud trends using data insights, case reviews, and analytics tools.
4. Provide clear oversight of fraud performance metrics across 9 countries.
5. Collaborate with internal teams to design and roll out enhancements to fraud systems and processes.
6. Proactively identify and respond to emerging fraud threats with appropriate mitigation actions.
7. Deliver clear reporting on fraud trends, performance, and actions taken.

Minimum Requirements:

1. Experience leading Fraud Analytics in a Credit company.
2. Proficiency in SQL.

Why join YouLend?

1. Award-Winning Workplace:YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
2. Award-Winning Fintech:YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

We offer a comprehensive benefits package that includes:

1. Stock Options
2. Private Medical insurance via Vitality
3. EAP with Health Assured
4. Enhanced Maternity and Paternity Leave
5. Modern and sophisticated office space in Central London
6. Free Gym in office building in Holborn
7. Subsidised Lunch via Feedr
8. Deliveroo Allowance if working late in office
9. Monthly in office Masseuse
10. Team and Company Socials
11. Football Power League / Squash Club

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.

Salary Range: £80,000 - £100,000 + up to 20% annual bonus.