Payment Specialist

Payment Specialist

Department: Credit Operations (US)

Employment Type: Permanent

Location: Atlanta

Reporting To: Nicholas Greenfield

Description

YouLend has an incredible opportunity available within our dynamic Operations Team. You will join our Payments sub-team to build and maintain an in-depth understanding of our platform, provide support to the rest of the business which includes problem solving, data analysis and other ad hoc projects. We are constantly innovating and automating workflow, and you will be expected to contribute your views on how we can continuously improve and better integrate workflows. You will support your Team Lead and agree strategies to improve both our customer service, payments and funding processes

Key Responsibilities

• Daily execution of payments, including Faster Payments, International Payments, in line with the agreed cut offs
• Reconcile the correct allocation of incoming payments within agreed times scales.
• Investigate and correctly resolve payment exceptions, (e.g. rejections, bounce backs, etc.)
• Completing Post Funding Requests in line with SLAs
• Liaising with internal and external partners regarding payment delays, as applicable, and managing the solution to those delays with the Payments Team Lead
• Assigning payments from third party debt purchasers
• Monitoring transactions to identify and prevent fraud
• Liaise with colleagues and external parties to promptly and effectively answer any payment related queries.
• Ensure service provided is to a high standard and make recommendations to improve and streamline processes and interactions.
• Develop an in-depth understanding of the payments platform.
• Manage your time effectively to ensure all critical tasks are completed and deadlines achieved.
• Ensure timely completion of projects and goals in accordance with engagement and requirements.
• Be the point of contact for payment related queries

An Ideal Candidate will have:

• Understanding of reconciliation processes and statement reporting • Working knowledge of AML procedures
• Ability to be flexible, quickly learn new skills, and meet uncompromising quality requirements and production expectations while working closely with others in a team environment.
• Demonstrated competency with computers, including proficiency with all Microsoft Office products.
• Ability to work independently; take initiative; and adapt to change
• Strong problem solving ability.
• Strong processing and analytic skills with the ability to analyse large amounts of data, decipher higher risk attributes, and handle appropriately.
• Strong interpersonal and verbal/written communication skills.
• Must be able to multi-task and thrive in a busy paced, high intensity, high demand and on time environment.
• Demonstrate a strong sense of urgency by responding immediately to escalated issues and rapidly changing priorities.
• Must possess critical thinking, analytic and problem solving skills to be used in operational planning and evaluation.
• Ability to deal with highly confidential information in a professional manner.
• Be ambitious and motivated - as the company grows there will be opportunity for development

Desirable skills:

• A target-driven mindset with a strong interest in payments and commercial success.
• 3+ years in a Payments role in a Fintech environment preferred
• Excellent written and verbal communication skills, with confidence interacting over phone and email.
• Comfortable using Microsoft Excel and working with data.
• A customer-first attitude with a passion for helping small businesses succeed.

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