Quality Control Associate

Department: Credit Operations (UK)

Employment Type: Permanent

Location: London

Reporting To: Brandon Harris

Description

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

• 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. 

• 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. 

• 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. 

•  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). 

• 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