Junior Credit Analyst

iwoca Deutschland; London; On-site; GBP 35,000 - 50,000; Full time

Job summary

Join a leading fintech innovator as a Junior Credit Analyst in London. In this role, you'll assess credit applications and make rapid, informed decisions, contributing to the growth of small businesses across Europe. Ideal candidates have strong analytical skills, communication abilities, and proficiency in German.

Benefits

25 days of vacation a year plus a free day for your birthday

One-month fully paid sabbatical after 4 years

Company-wide training courses

Paid volunteer day

Mental health support via OpenUp

Qualifications

• 2+ years experience in commercial loan underwriting or credit analysis.
• Strong German language skills, ideally at native level.
• Ability to interpret and analyze financial statements.

Responsibilities

• Assess credit applications using various data sources.
• Support other analysts on complex credit decisions.
• Work alongside analytics teams to optimize lending approach.

Skills

Analytical mindset

Communication skills

Business acumen

Problem solving

Education

Degree in Finance or related field

Job description

Join to apply for the Junior Credit Analyst role at iwoca Deutschland

Join to apply for the Junior Credit Analyst role at iwoca Deutschland

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We’re looking for a Credit Analyst - German Speaking

We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way

The company

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.

As we deepen our relationship with customers, insurance feels like a natural next step: it's a critical piece of the financial puzzle for small businesses, and one that's often underserved. We're bringing the same customer obsession, data-driven approach, and innovative mindset to the world of SME insurance - starting from first principles to build something that really works for modern businesses.

Your Mission

• To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.
• You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.
• You will support other analysts on larger and more complex decisions, which is a key part of our workflow.
• Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.

Requirements

We look for people who are smart, humble, motivated and who are always looking to improve.

You will have:

• 2 years + experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application
• Strong German language skills, ideally at native level
• The ability to interpret & analyse financial statements
• A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment
• Excellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives
• An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency

Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.

Whilst we welcome applications from all qualified candidates, please note that for this particular position we cannot offer visa sponsorship in the UK.

• A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset
• 25 days of vacation a year plus a free day for your birthday
• One-month fully paid sabbatical after 4 years
• Share options
• Mental health support via OpenUp
• iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun.
• Access to the gym membership program, €25 pm for either Fit711 or Urban Sports Club
• Exclusive participation in the daily commute, €25 pm to the Deutschlandticket
• Our home is in a nice office in the heart of the big city. In Frankfurt in the beautiful Ostend, our London office is located centrally in Fitzrovia
• Company-wide training courses with internal and external speakers
• A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
• ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.

Seniority level

• Seniority level

  Associate

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance

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