Senior Credit Risk Analyst

Funding Circle Ltd.; London; Hybrid; GBP 40,000 - 80,000

Job description

Senior Credit Risk Analyst

We are looking for a Senior Credit Risk Analyst in our Portfolio Management team.

Funding Circle’s Portfolio Management team plays an essential role in the business. They monitor risk performance across all of our products, forecast the performance and returns of our portfolios, and are key to supporting other areas in the business. To do this, they work with a number of teams, including Credit Strategy, Finance, Capital Markets, Collections, Recoveries, and Data, to truly understand our objectives and shape analytical solutions.

Who are we?

We’re Funding Circle. We back small businesses to succeed.

At Funding Circle, we believe the world needs small businesses. That’s why we’ve made it our mission to help them get the finance they need to grow.

With more than a decade of expertise under our belt, we’ve built a game-changer of a platform with cutting-edge data and technology that’s reshaping the landscape of SME lending. Say goodbye to lengthy applications and hello to lightning-fast decisions! In just minutes, SMEs across the UK can get a decision, giving them access to competitive funding in a flash.

We know that good business is about good people. So we pride ourselves on providing meaningful, human support as well as fast, hassle-free processes to deliver an unbeatable customer experience.

The role

1. Deliver value for Funding Circle through analysis and reporting, working closely with Capital Markets to help maintain a good relationship with our investors.
2. Generate cash flow forecasts across various products and portfolios, working closely with Finance on Fair Value and IFRS 9 modelling.
3. Deliver regular risk monitoring and provide analysis and insight across all of our products for relevant stakeholders and committees.
4. Identify, develop and maintain key relationships with internal stakeholders.
5. Proactively problem-solve, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day.

What we’re looking for

1. 3+ years’ experience working in credit risk analytics, ideally in a SME/Retail Lending context.
2. Exceptional problem-solving skills using logical reasoning and analytical methods.
3. Be an excellent communicator and presenter. Turn complex analysis into simply articulated visions/insights.
4. Advanced knowledge of Excel.
5. Working knowledge of SQL.
6. One programming language (R, SAS, Python).
7. Experience with IFRS 9/ECL modelling.

At Funding Circle we are committed to building diverse teams so please apply even if your past experience doesn’t align perfectly with the requirements.

Why join us?

At Funding Circle, we celebrate and support the differences that make you, you. We’re proud to be an equal-opportunity workplace and affirmative-action employer. We truly believe that diversity makes us better.

As a flexible-first employer we offer hybrid working at Funding Circle, and we've long believed in a 'best of both' approach to in-office collaboration and non-office days. We expect our teams to be in our London office three times a week, where you can take advantage of our newly refurbished hybrid working space, barista-made coffee and subsidised lunches (via JustEat) every day!

We back our Circlers to build their own incredible career, making a difference to small businesses every day. Our Circler proposition is designed to support employees both in and out of work, and it is anchored around four pillars: Health, Wealth, Development & Lifestyle.

A few highlights:

1. Health: Private Medical Insurance through Aviva, Dental Insurance through Bupa, MediCash, access to free online therapy sessions and exclusive discounts with Hertility for reproductive health support.
2. Wealth: Octopus Money Coach, free mortgage advisor partnership and discounts across numerous retailers through Perks at Work.
3. Development: Dedicated annual learning allowance and full access to internal learning platform.
4. Lifestyle: Wellhub (for fitness discounts), Electric Car Scheme and more!

And finally, we have award-winning parental leave policies supporting parents through enhanced maternity, partner and adoption leave, as well as additional leave for parental bereavement and for fertility treatments.

Ready to make a difference? We’d love to hear from you.