US Collections Analyst

Key Responsibilities
Manage a portfolio of merchant accounts across various stages of delinquency.
Contact merchants via phone and email to resolve outstanding balances and support repayment.
Build professional relationships with merchants and handle sensitive conversations with confidence and empathy. Negotiate and implement payment solutions aligned with merchant circumstances and business objectives.
Monitor account status and take ownership of progressing cases through to resolution.
Maintain accurate and detailed records of all account activity within internal systems.
Handle a high volume of tasks while maintaining strong attention to detail and organization.
Assess account risk and escalate appropriately based on complexity, exposure, and stage within the collections process.
Partner with internal teams to support account resolution and ensure the timely progression of complex cases
Use available account data and payment behavior to prioritize follow-up and support effective decision-making.
Contribute to a positive, accountable, and results-driven team environment.
Skills, Knowledge & Expertise
5+ years of experience in accounts receivable, collections, credit control, or debt recovery
Strong written and verbal communication skills
Ability to manage challenging conversations in a professional and solution-oriented manner
High attention to detail and accuracy across systems and documentation
Strong organizational and time management skills
Ability to work effectively in a fast-paced, target-driven environment with clear ownership of individual performance Proficiency in Microsoft Excel and Office tools
Reliable, proactive, and team-oriented approach
Desirable Traits:
Experience in fintech, financial services, or lending environments
Exposure to collections and recoveries across different stages of arrears
Experience managing higher-value or more complex accounts Familiarity with legal escalation, third-party collections, or recovery processes
Comfort working with data to guide prioritization and follow-up.
Adaptable and comfortable working in a high-growth environment
Strong sense of ownership and accountability Positive attitude with a willingness to learn and grow

Job Benefits
Why join YouLend?
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 organization 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-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 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