Accounts Receivable Analyst II

About the job

YouLend is the preferred global embedded financing platform for many of the world's leading e-commerce sites, tech companies, and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway, and Take payments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible, and affordable funding. We operate in 9+ geographies across the US, UK, and the EU. We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

To meet the growing demand for our technology and services, we are now seeking an AR Analyst II to join our US Collections & Recoveries team. This role plays a key role in managing merchant accounts, supporting repayment performance, and contributing to overall portfolio outcomes.

You will be responsible for a portfolio of accounts, working directly with merchants to understand their situation, resolve underpayment or delinquency, and deliver balanced outcomes for both the customer and the business. The role requires strong communication, attention to detail, and the ability to manage multiple priorities in a fast-paced environment.

In this role, you will have direct ownership of account progression and resolution, with a clear impact on recovery performance and merchant outcomes.

This is a great opportunity for someone looking to build their career in fintech within a high-growth, performance-driven organization.

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.

The ideal candidate will have the following skillset:

• 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

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

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.