Credit Strategy Analyst

Funding Circle UK; United Kingdom; Hybrid; GBP 30,000 - 45,000; Full time

Job summary

A leading SME lending platform in the UK seeks a Credit Strategy Analyst to optimize lending strategies. The role involves collaborating with credit risk teams and providing analytical insights to enhance business decisions. Ideal candidates will possess a degree in numerical subjects and show eagerness to engage in credit risk analytics. This position offers flexible working arrangements and a comprehensive benefits package.

Benefits

Flexible work benefits

Private Medical Insurance

Health Cash Plan

Discounted gym membership

Electric Car Scheme

Qualifications

• No work experience required, but advantageous in credit risk analytics.
• Experience in guiding business decisions through analytical insights is ideal.
• Some understanding of portfolio modelling principles is needed.

Responsibilities

• Monitor credit strategy for trends and opportunities.
• Forecast loss rates and conduct segmentation analysis.
• Provide insights and recommendations for credit risk strategies.

Skills

Analytical insights

Excellent communication skills

Problem solving

Curiosity and eagerness to learn

Collaboration

Education

Degree in Mathematics, Engineering, or Science

Tools

Excel

SQL

R

Python

Tableau

Job description

Credit Strategy Analyst

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

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.

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

This role focuses 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
• 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

• 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

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.