Credit Risk Analyst

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

Job summary

A leading finance platform in the UK seeks a Credit Risk Analyst to support Portfolio Management. The role involves analyzing and reporting on risk performance across various products, generating forecasts, and maintaining relationships with internal teams. Ideal candidates will possess exceptional problem-solving skills, advanced Excel knowledge, and experience with SQL. The position offers a hybrid working model, with benefits including private medical insurance and a tailored benefit allowance.

Benefits

Private Medical Insurance

Dental Insurance

Health Cash Plan

Flexible working allowance

Life Assurance

Income Protection

Dedicated Learning & Development allowance

Qualifications

• Exceptional problem-solving skills.
• Excellent communicator and presenter.
• Advanced knowledge of Excel.
• Working knowledge of SQL.
• Knowledge of a programming language (R, SAS, Python).
• Familiarity with IFRS 9/ECL modelling.

Responsibilities

• Deliver value through analysis and reporting.
• Generate cash flow forecasts.
• Deliver regular risk monitoring and analysis.
• Identify and maintain relationships with stakeholders.
• Proactively mitigate risks and issues.

Skills

Problem solving

Communication

Excel

SQL

Programming (R, SAS, Python)

IFRS 9/ECL modelling knowledge

Job description

Description

Credit Risk Analyst

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

The 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

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

What we're looking for

• Exceptional problem solving skills using logical reasoning and analytical methods
• Be an excellent communicator and presenter. Turn complex analysis into simply articulated visions/insights
• Advanced knowledge of Excel
• Working knowledge of SQL
• One programming language (R, SAS, Python)
• Some knowledge of 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.

Want to learn more?

• We have a huge impact on the businesses that borrow through our platform, the communities they serve and the overall economy (last year £6.9bn of GDP generated). You can read our full Impact Report here: https://www.fundingcircle.com/uk/impact
• To see what our customers think, visit our Trustpilot page: https://uk.trustpilot.com/review/fundingcircle.com
• And we're still evolving! Our award-winning multi-product platform is solving more SME finance challenges than ever before. We think big, rally together and meet the needs of SME customers like no other.

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:

• Flexibility: We provide you with a benefit allowance so that you can tailor your benefit selection to you and your family's needs.
• Health: Private Medical Insurance, Dental Insurance, Health Cash Plan, Health Assessments (including female fertility health assessments), eyecare vouchers, flu jabs, Wellhub (for discounted flexible gym membership and access to wellbeing apps) access to a free Employee Assistance Programme and free Digital GP for yourself and any children under 16.
• Wealth: Life Assurance, Income Protection, Critical Illness Cover, financial coaching through Octopus Money Coach, a tax-advantaged share scheme, a free mortgage advisor partnership and discounts across numerous retailers through Perks at Work.
• Development: Dedicated annual Learning & Development allowance and full access to internal learning platform.
• Lifestyle: Electric Car Scheme, Cycle to Work scheme, Season Ticket Loans, 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.

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