Credit Strategy Analyst

WeAreTechWomen; London; Hybrid; GBP 35,000 - 55,000; Full time

Job summary

An established industry player is seeking a Credit Strategy Analyst to join their dynamic team. This role offers the chance to influence lending strategies for small businesses, ensuring strong returns for investors. You will engage in credit strategy analytics, collaborating with various teams to implement changes and improve processes. The company values diversity and offers a hybrid working model with excellent benefits, including private medical insurance and learning allowances. If you are analytical, communicative, and eager to make a difference, this opportunity is perfect for you.

Benefits

Private Medical Insurance

Life Assurance

Learning Allowances

Subsidized Lunches

Refurbished Workspace

Qualifications

• Degree in Mathematics, Engineering, Science, or related field required.
• Experience in credit risk or portfolio analytics is advantageous.

Responsibilities

• Monitor Credit Strategy to identify optimization opportunities.
• Conduct ad hoc analyses to guide business decisions.

Skills

Analytical Skills

Communication Skills

SQL

Python

R

Excel

Education

Degree in Mathematics

Degree in Engineering

Degree in Science

Tools

Tableau

SAS

Job description

Credit Strategy Analyst

We are looking for a Credit Strategy Analyst in our Credit Strategy team.

This role sits within the Credit Risk team, which is highly influential in our overall lending process. The team focuses on measuring risk, optimizing the credit risk funnel, and forecasting loan portfolio performance. They collaborate with credit risk modeling, engineering, data management, capital markets, and business operations teams to understand objectives and develop 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 secure the finance they need to grow.

With over a decade of experience, we’ve built a cutting-edge platform that reshapes SME lending with innovative data and technology. Our platform offers quick decisions, enabling SMEs across the UK to access funding in minutes.

We value good business through good people. We provide meaningful support along with fast, hassle-free processes to deliver an exceptional customer experience.

The role

This role focuses on our Credit Risk lending capabilities. You’ll have the opportunity to think creatively and propose ideas to optimize our lending to small businesses while ensuring strong returns for our investors.

1. Monitor our Credit Strategy to identify trends and opportunities for optimization.
2. Engage in all aspects of credit strategy analytics, including loss rate forecasting and segmentation analysis.
3. Guide business decisions by conducting ad hoc analyses and providing insights and recommendations to improve credit risk strategies and processes.
4. Collaborate with teams from Engineering and Operations to ensure smooth daily operations and implement credit strategy changes.
5. Proactively identify and mitigate risks, issues, or control weaknesses in your daily work.

What we’re looking for

• A degree in Mathematics, Engineering, Science, or a related field.
• No work experience required, but experience in credit risk or portfolio analytics, particularly in banking, is advantageous.
• Experience in guiding business decisions through analytics, from stakeholder engagement to data analysis and presentation.
• Excellent communication skills to translate data insights into actionable recommendations.
• Understanding of portfolio modeling principles, especially cash flow modeling and performance measurement.
• Proficiency in Excel and coding languages such as SQL, R, Python, or Tableau; experience with SAS is a plus.
• Curious, eager to learn, and comfortable working independently on open-ended problems.

We encourage diverse applications, even if your experience doesn't perfectly match the requirements.

Want to learn more?

• Read our Impact Report: https://www.fundingcircle.com/uk/impact
• Visit our Trustpilot page: https://uk.trustpilot.com/review/fundingcircle.com

Why join us?

We celebrate diversity and are committed to equal opportunity. Our hybrid working model involves in-office collaboration in London three times a week, with amenities like a refurbished workspace, coffee, and subsidized lunches.

We support our employees’ health, wealth, development, and lifestyle with various benefits, including private medical insurance, life assurance, learning allowances, and more.

Our parental leave policies are award-winning, supporting parents through enhanced leave options.

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

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