Underwriting Manager

Key Responsibilities

• Lead, coach, and develop a team of underwriters, fostering a culture of accountability, collaboration, and continuous improvement
• Support hiring, onboarding, training, and performance management of team members
• Act as an escalation point for complex underwriting decisions and provide guidance on credit risk assessments
• Review and approve financing applications within delegated authority levels
• Monitor team performance, underwriting quality, portfolio trends, and operational KPIs
• Ensure underwriting decisions align with company policies, risk appetite, and customer experience standards
• Identify workflow bottlenecks and implement process improvements to increase efficiency and decision quality
• Partner closely with Credit Risk, Product, Compliance, Operations, Capital Markets, and Commercial teams to support business growth and continuous improvement
• Support the launch of new products, partners, and underwriting initiatives

Skills, Knowledge & Expertise Required

• Ideally 2 - 3 plus years of underwriting, credit risk, lending, or financial services experience
• Previous experience leading, mentoring, or managing underwriting teams
• Strong understanding of credit risk assessment and lending principles
• Demonstrated ability to take ownership, make sound decisions, and drive results in a fast-paced environment
• Strong analytical, problem-solving, and communication skills
• Ability to balance commercial objectives with sound risk management
• Hands-on mentality with a willingness to support the team wherever needed

Job Benefits

• YouLend is backed by EQT, one of the world’s leading private equity firms
• YouLend is scaling rapidly across North America, with some exciting brands launching imminently
• Clear path for progression as the US business scales
• Award-Winning Workplace: YouLend has been recognized as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times
• Award-Winning Fintech: YouLend has been recognized as a “Top 250 Fintech Worldwide” company by CNBC
• High-growth (>100% growth during 2025), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business)
• Well-capitalized 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 and transparent team culture, we have each other’s backs
• Data-driven culture and emphasis on speed (anti-red tape)
• We offer a comprehensive benefits package that includes:
• Health Care Coverage. Youlend covers 80%; employee contribution is 20% of the premium
• Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare
• Dental plan coverage
• Vision plan coverage
• Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family
• Retirement - 401K match. Employee match $1 for $1 up to 5% of salary
• Basic Life & AD&D Insurance
• International travel insurance covered if traveling abroad for work purposes
• Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays
• Paid Office Parking