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SME Credit Risk Analyst

2 months ago


London, Greater London, United Kingdom Funding Circle Full time

Position Overview

The Credit Risk Analyst role offers an opportunity to immerse yourself in a dynamic, high-performance lending environment while enhancing your expertise in risk assessment. Are you ready to take on a rewarding challenge? Our Credit Assessment Team is dedicated to empowering small enterprises by evaluating the creditworthiness of each applicant, enabling them to access our swift and adaptable financing solutions.

About Us

Our goal is to create a platform where small businesses can secure the funding necessary for their success. We achieve this by leveraging advanced data analytics and technology to provide an unparalleled customer experience. With over ten years of industry experience, we have developed a transformative platform that is revolutionizing the SME lending sector. Say farewell to cumbersome application processes and welcome rapid decision-making. In mere minutes, small businesses can receive immediate credit decisions, granting them access to affordable financing options.

The Impact We Make

  • Our contributions significantly influence the businesses utilizing our platform, the communities they support, and the broader economy, generating substantial GDP growth.
  • We are continuously evolving, expanding our offerings beyond core loans to address various SME financing challenges.

Key Responsibilities

  • Assess financial data (including annual reports, bank statements, and credit agency information) to evaluate the risk associated with granting credit to SME clients on an individual loan basis.
  • Improve the quality of lending decisions by incorporating market trends, industry insights, and portfolio analysis into your credit evaluations.
  • Deepen your understanding of UK SMEs, including accounting practices, industry standards, payment behaviors, and relevant legal considerations to accurately assess credit risk.
  • Deliver an exceptional experience for our clients by efficiently reviewing loan applications in line with our internal quality benchmarks.
  • Contribute to the enhancement of systems, processes, and operational practices by providing insights aimed at improving efficiency and capacity.
  • Guide and support colleagues to ensure that commercial opportunities are maximized while maintaining robust risk management protocols.

Ideal Candidate Profile

  • A curious mindset, adaptability to change, a willingness to challenge conventional practices, and a strong work ethic.
  • Experience in credit analysis, preferably within the SME lending sector.
  • Excellent analytical, decision-making, and communication capabilities.
  • A solid grasp of UK accounting standards.

Why Join Us?

Our employee proposition is designed to support your well-being both professionally and personally, focusing on four key areas: Health, Wealth, Development, and Lifestyle. We offer a hybrid working model, allowing flexibility in your work environment. In-office perks include complimentary barista services and subsidized meals. We also support various flexible working arrangements.

Employee Benefits

  • Health: Comprehensive Private Medical Insurance, Dental Coverage, access to online therapy, and exclusive reproductive health support.
  • Wealth: Financial coaching, mortgage advisory services, and discounts at numerous retailers.
  • Development: Learning allowances and access to an extensive internal learning platform.
  • Lifestyle: Wellbeing initiatives, electric vehicle schemes, and more.

Additionally, we have enhanced our parental leave policies, earning recognition for our commitment to diversity and inclusion.