AI-Powered SME Credit Underwriter: Impact & Growth

Funding Circle Ltd.; Greater London; Hybrid; GBP 45,000 - 65,000; Full time

Job summary

Funding Circle Ltd. in London is seeking a Credit Risk Analyst to evaluate SME loan applications and determine risk. You’ll integrate market insights, enhance decision quality, and help refine processes with AI-driven automation.

You’ll work with a team that values fast, accurate risk judgments and a bias for data-driven outcomes. You’ll build expertise in UK SME accounting practices, industry standards, and loan performance signals.

Qualifications

• An inquisitive mind-set, openness to change, willingness to challenge the status quo and a great work ethic.
• Experience in credit analysis (Ideally SME lending).
• Strong analytical, decision-making, and communication skills.
• A firm understanding of UK accounting standards.
• Able to take ownership of redesigning departmental workflows, using AI to automate complex tasks and drive operational efficiency.
• Competently able to Identify high-impact AI use cases and implement advanced prompting techniques to solve multi-layered business challenges.

Responsibilities

• Analyse data (annual accounts, bank statements, credit reference agency data) to determine the degree of risk involved in extending credit to SME borrowers on a loan-by-loan basis
• Enhance the quality of loan decisions by integrating market, industry, and portfolio insights into your credit decisions
• Further your knowledge of UK SMEs, incl. accounting practices, industry and financing standards, payment behaviour and relevant legal aspects to help us evaluating credit risk correctly
• Provide a best-in-class experience for our borrowers by reviewing all loan applications efficiently and in accordance with our internal quality standards
• Contribute to the ongoing development of systems, processes and business practices by sharing recommendations to improve efficiency and capacity
• Advise and guide colleagues to ensure that commercial opportunities are maximized without compromising Funding Circle’s risk management
• Proactively problem solving, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day

Skills

Credit analysis

Data analysis

Decision making

Communication skills

UK accounting standards

AI automation

Workflow redesign

Tools

AI prompting

Job description

Funding Circle Ltd. in London is seeking a Credit Risk Analyst to evaluate SME loan applications and determine risk. You’ll integrate market insights, enhance decision quality, and help refine processes with AI-driven automation.

You’ll work with a team that values fast, accurate risk judgments and a bias for data-driven outcomes. You’ll build expertise in UK SME accounting practices, industry standards, and loan performance signals.