Junior Credit Analyst - German Speaking

Iwoca; Greater London; On-site; GBP 32,000 - 45,000; Full time

Benefits offered by this job

Flexible working hours

Medical insurance

25 days holiday with options

Company retreats

Employee equity incentive scheme

Job summary

Iwoca is looking for a Credit Analyst based in Greater London to assess applications and make fair credit decisions. You will collaborate with analysts to improve processes and work alongside analytics teams for data-driven decisions.

Candidates should possess foundational finance principles, strong business acumen, and excellent communication skills. The role offers a salary of £32,000 to £45,000, with various benefits including flexible working hours and medical insurance.

Qualifications

• Comfortable using AI tools to solve problems.
• Ability to interpret and analyze financial statements.
• Motivated attitude in a fast-paced environment.

Responsibilities

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

Skills

Curiosity about AI tools

Strong business acumen

Excellent communication skills in English and German

Analytical mindset

Education

Foundational finance and accounting principles

Job description

The Role

• 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

• Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
• We look for people who are smart, humble, motivated and who are always looking to improve.
• Knowledge of foundational finance and accounting principles, whether acquired academically or through an internship
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application
• 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 in business English and German
• 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.

Salary

We expect to pay from £32,000 —£45,000 for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

Benefits

• Flexible working hours.
• Medical insurance from Vitality, including discounted gym membership.
• A private GP service (separate from Vitality) for you, your partner, and your dependents.
• 25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.
• A one-month, fully paid sabbatical after four years.
• Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.
• 3% Pension contributions on total earnings.
• An employee equity incentive scheme.
• Generous parental leave and a nursery tax benefit scheme to help you save money.
• Electric car scheme and cycle to work scheme.
• Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.
• A learning and development budget for everyone.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.