Underwriting Manager

Underwriting Manager

Department: Credit Operations (US)

Employment Type: Permanent

Location: Atlanta

Reporting To: Mathias Sberg

Description

We are seeking an experienced Underwriting Manager to support and develop our growing US underwriting team.

This is a hands-on leadership role for someone who combines strong underwriting expertise with a passion for developing people. You will lead a team of underwriters while remaining actively involved in underwriting decisions, escalations, workflow management, and process improvement. The ideal candidate is someone who enjoys rolling up their sleeves, takes ownership, learns quickly, and thrives in a fast-paced environment. This role offers a clear path for growth into a more senior leadership position as YouLend continues to scale across North America.

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
Preferred
Experience within FinTech, SME lending, merchant cash advance, alternative lending, or banking
Experience in a high-growth or scaling business environment
Exposure to underwriting technology, automated decisioning systems, or data analysis tools such as SQL, Python, or BI platforms

Job Benefits

Why join YouLend?

• 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 for being a supportive, diverse, and rewarding workplace.
• Award-Winning Fintech: YouLend has been recognized as a "Top 250 Fintech Worldwide" company by CNBC.

It's just getting fun:

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.
• But 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 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.
• Independent work environment where results matter.
• 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

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.