Loan Operations Analyst

Funding Circle Ltd.; Greater London; Hybrid; GBP 25,000 - 35,000; Full time

Benefits offered by this job

Barista coffee and subsidised lunches

Flexible working

Private medical/dental

Learning allowance

Cycle-to-work

Parental leave

Job summary

Funding Circle Ltd. is hiring for a busy administrative role based in London with a hybrid working pattern. You will review and process loan applications to support fast, efficient funding for small businesses in the UK.

The role requires attention to detail, ability to handle repetitive tasks, and willingness to learn evolving policies. We value proactive problem solving and collaboration in a fast-paced environment.

Qualifications

• At least 6 months experience in a high volume operations or administrative role.
• Ability to work to deadlines in a fast paced environment.
• Excellent attention to detail, self motivation, strong organisational skills and ability to follow procedures.
• Ability to complete tasks that are repetitive in nature.
• Willingness to learn and adapt with evolving policies and procedures.
• Familiarity with financial documents is a plus.
• Able to use Generative AI to streamline tasks and improve productivity.
• Confident using approved AI tools to enhance output.

Responsibilities

• This is a busy admin role where you will be reviewing and processing loan applications to provide fast, efficient funding to small businesses in the UK.
• Reviewing financial accounts, bank statements and risk reports to process loan applications.
• Completing know your customer (KYC) checks during the borrowers onboarding journey and referring cases to AML and Fraud teams where required.
• Use third party systems to collect information on the applicant and their business.
• Perform rigorous quality assurance: reconcile loan documents and internal system data for completeness and accuracy.
• Work in a collaborative team environment.

Skills

Administrative experience

High-volume operations

Attention to detail

Time management

Adaptability

Job description

We're more than just a lending platform, we back small businesses to succeed. We also contribute billions each year to the UK's GDP and help to create hundreds of thousands of jobs. We're proud to have built something bigger than each of us alone.

We are proud to be named a Sunday Times Best Place to Work 2026. This award reflects how hard we work to maintain a space where every Circler can thrive.

We are on a mission

We’re on a mission to back small business owners in the UK in a way that no other company can. To succeed, we’ve built a high-performing team that has the restless energy of a FinTech start up combined with the stability of a public company. Our culture is defined by people who take ownership and run with it, ensuring that everyone has the platform to contribute their unique ideas. We measure our success not just by what we achieve individually, but by the collective impact we have on our customers and each other.

We're on a mission to back small business owners in the UK - in a way that no other company can. You bring your expertise and talent, and we promise to connect it with real change for real people.

To Grow Fast

We believe the fastest way to grow is to do - so we give you the ownership and responsibility to go further, faster. The more you put in, the more you get out - whether you're starting out or taking your next step.

To Belong Together

We’re a driven team who choose to lift each other up - we challenge, we champion, and we have each other's backs. Because the best work is done when you feel you truly belong.

To Build Better

Nothing stays still here, we're constantly improving, changing and spotting new opportunities. We're builders. Our people can switch direction quickly, see things differently, take ownership and run with it.

To Be Different

We're built differently - the restless energy of a fintech, with the stability and backing of a public company. The result? The pace to innovate and the scale to make it count.

How we work

We are passionate about collaboration and work in cross functional teams to deliver for our customers. We live by our company values and celebrate our diversity in all of its wonderful forms. We Stand Together, as one. We truly believe in creating a company people want to be part of, where they can be themselves, and learn and grow in whatever way makes sense for them. We do this through empowerment and ownership, celebrating the successes (both big and small!) as we go. Because of that we are a hybrid first workplace and you can typically expect to spend three days each week (two if you're in one of our tech teams) in our newly refurbished central London office. We very much believe in and support all variations of flexible working; we know that life doesn’t always fit into neat little boxes and we’re here to ensure you can strike the balance you need every step of the way. Want to hear more? Learn more about our people and our culture here .

Funding Circle has a culture of stepping up. We want our people to grow and develop. We back Circlers to build their incredible careers with us at Funding Circle and support paths for progression within all of our teams. We are also huge fans of squiggly careers, as we know that not all progression is linear. We empower Circlers to learn new things, to develop skills outside of the remit of their roles and support them in their pivot when the time is right.

Our proposition to Circlers is more than just a paycheck; we provide a wide range of benefits and policies centred around four key pillars: your Health, your Wealth, your Development and your Lifestyle. Whether it’s taking that next step in your professional development through courses and accreditations, moving into a new stage of life such as homeownership and parenthood, or supporting your mental or physical health, we’ve got something to help you thrive.

Salaries and Performance

Our Talent team will always be transparent with you about our hiring budgets. Offers to join us are based on the value that we believe an individual can bring to a role, and are not biased by recent salary or future expectations. We benchmark our salaries internally against comparable roles to ensure fairness, and externally across our industry so that they reflect the experience that you can bring to the team. Each year our performance and compensation review cycle ensures pay adjustments are in line with individual contribution as well as our company performance. We aim to:

• Be competitive to attract high performers (and retain them!)
• Act fairly and consistently with our salary banding and role hiring budgets
• Stay on top of the data and adjust our benchmarks regularly

Our Recruitment Process

We know that it’s not a one size fits all approach to hiring and no two processes are exactly the same. We regularly audit our processes to ensure we’re offering a seamless and transparent experience to our candidates. Most of our processes are built around the below:

1

Talent Partner Phone Screen

Your first insights into life as a Circler; your talent partner will talk you through the Funding Circle journey and how the role you’re interviewing for fits into our mission.

2

Lifting the hood on the role and responsibilities; you’ll meet with your potential future manager and talk through your skills and experience that align to the requirements.

3

Ways of Working Onsite or Video Interviews (1-2)

Getting into the details with teammates, stakeholders or technical SMEs; you’ll be tested on your ability to do the role.

AI is rapidly changing the hiring, application and interview process and as an AI-native business, our guidance on this is constantly evolving. You can learn about how we use AI in talent acquisition, and read our candidate guidelines in our AI in Hiring document.

71 Queen Victoria Street, London, EC4V 4AY

Full time

Location Type

Hybrid

Department

Operations & Controls

We’re on a mission to back the UK’s small businesses like no one else

Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.

At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.

We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.

The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy. Come and join a mission that matters!

London (Hybrid) | 3 days in the office | Competitive Salary + Benefits

This is a busy admin role where you will be reviewing and processing loan applications to provide fast, efficient funding to small businesses in the UK.

Reviewing financial accounts, bank statements and risk reports to process loan applications

Completing know your customer (KYC) checks during the borrowers on-boarding journey and referring cases to our AML and Fraud teams where required

Use third party systems to collect information on the applicant and their business

Perform rigorous quality assurance: Reconcile loan documents and internal system data for completeness and accuracy

Working in a collaborative team environment

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

We value deep expertise, but a growth mindset and good energy are what really make our team click. We’re a group that chooses to lift each other up and think smart every day.

At least 6 months experience in a high volume operations or administrative role

Ability to work to deadlines and business goals in a fast paced, dynamic environment

Excellent attention to detail, self motivation, strong organisational skills and ability to follow procedures

Ability to complete tasks that are repetitive in nature

Willingness to learn and adapt with ever evolving policies and procedures

It would be great, but not essential, if you had familiarity with financial documents, bank statements and identification documents

Able to proactively identify ways to use Generative AI to streamline your daily tasks and improve your personal productivity

Confident using approved AI tools safely and effectively to enhance your output and find a better way of working

We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.

Why join us?

We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!

Our Circler Proposition focuses on five areas:

Flexibility: We provide a benefit allowance you can tailor to your own life and family.

Health: This includes private medical and dental, health assessments, and access to a digital GP.

Wealth: We offer life assurance, share schemes, and financial coaching.

Development: You get a dedicated annual learning allowance to help you level up.

Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.

We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.

Ready to join a mission that matters? We’d love to chat!