Contribute to optimizing credit strategy and enhancing small business lending through data analysis and collaboration within the Credit Risk team.
Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.
At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.
We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.
The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy 📈 Come and join a mission that matters!
[Read our Impact Report] | [See our Trustpilot]
📍 London (Hybrid) | 🤝 3 days in the office | 💰 Competitive Salary + Benefits
This role sits in the Credit Risk team who are hugely influential to our overall lending process. They look at measuring our risk, optimising our credit risk funnel and forecasting the performance of our loan portfolios. To do this, they work with the credit risk modelling, engineering, data management, capital markets and business operations teams to truly understand our objectives and shape analytical solutions.
Focusing on our Credit Risk lending capabilities, you’ll be given the opportunity to think outside the box and come up with a wide range of suggestions and ideas to optimise our ability to lend to small businesses, while also delivering strong returns for our investors.
Primarily responsible for monitoring our Credit Strategy to identify useful trends and opportunities to optimise our lending strategy
Involved with all aspects of credit strategy analytics, from loss rate forecasting to segmentation analysis
Guiding business decisions by carrying out ad hoc analysis, providing credit risk insights and recommendations for optimising credit risk strategies and business processes
Collaborate with experts from different functions, particularly Engineering and Operations, to ensure daily running of our lending business and to implement any Credit Strategy changes
A degree from numerical subjects such as Mathematics, Engineering or Science
No work experience required, but work experience is advantageous, particularly in credit risk analytics / portfolio analytics, ideally in a Retail/Corporate/Investment Banking context
Experience in guiding business decisions through analytical insights, ideally covering all steps from initial stakeholder engagement and business analysis to data analysis and presentation of the results
Excellent communication skills, particularly with regards to translating data analyses and numbers into actionable insights tailored to the audience
Some understanding of the principles of portfolio modelling, particularly cash flow modelling and measurement of performance
Adequate to fluent in Excel and coding, any of: SQL, R, Python, Tableau (candidates with experience in other environments e.g. SAS and aptitude to quickly learn will also be considered)
Curious and eager to learn, and comfortable working independently on solving open-ended problems.
We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.
We back you to build an incredible career. As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!
Our Circler Proposition focuses on five areas:
Flexibility: We provide a benefit allowance you can tailor to your own life and family.
Health: This includes private medical and dental, health assessments, and access to a digital GP.
Wealth: We offer life assurance, share schemes, and financial coaching.
Development: You get a dedicated annual learning allowance to help you level up.
Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.
We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.
Health Insurance
This includes private medical and dental, health assessments, and access to a digital GP.
Annual learning allowance
You get a dedicated annual learning allowance to help you level up.
Paid Parental Leave
We also have award-winning parental leave policies.
Funding Circle is a lending platform designed specifically for small businesses, connecting them with investors for fast and affordable financing. By leveraging data analysis, it streamlines the funding process, enabling businesses to secure loans in as little as 48 hours, combining the agility of a startup with the reliability of a public company.
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