Payments Operations Analyst

Funding Circle; London; Hybrid; GBP 30,000 - 45,000; Full time

Job summary

Funding Circle is searching for a Payments Operations Analyst to join their Payments Operations Team in London. This role involves processing daily transactions, ensuring compliance with regulations, and providing excellent customer service. The successful candidate will benefit from a hybrid working model, robust health benefits, and a focus on personal development.

Benefits

Private Medical Insurance

Dental Insurance

Learning allowance

Gympass

Qualifications

• Previous administration experience in insurance or financial services operations.
• Intermediate Excel skills.
• Experience in payment processing is a plus.

Responsibilities

• Processing daily payments including direct debits and bank transfers.
• Identifying non-standard payments and finding solutions.
• Ensuring compliance with FCA and CASS standards.

Skills

Attention to detail

Interpersonal skills

Customer service

Problem-solving

Process-driven approach

Education

Administration experience in financial services

Intermediate Excel skills

Payment processing experience

Job description

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Description

Are you hungry, energetic, and have an eye for detail? Our Payments Operations Team is looking for a Payments Operations Analyst to join the team.

Who are we?

Our mission is to build the place where small businesses get the funding they need to win. We do this by uniting cutting-edge data and technology to deliver an unbeatable customer experience. With a decade of expertise, we've built a platform that’s reshaping SME lending, offering fast decisions for SMEs across the UK.

Most businesses are small and often lack access to necessary finance. We aim to change that because the world needs small businesses.

Want to learn more?

• We impact the businesses that borrow through our platform, their communities, and the economy (last year £6.9bn of GDP generated). You can read our Impact Report here:
• Visit our Trustpilot page to see customer feedback:
• We’re evolving! With over a decade of industry leadership, we are now expanding into multiple lending products to solve more SME finance challenges.

What will you be doing?

• Processing daily payments in our bespoke systems, including inbound and outbound transactions (direct debits, bank transfers, card, and internal money movements).
• Identifying non-standard payments and account behaviors, and finding solutions.
• Understanding the end-to-end flow of money through Funding Circle and taking appropriate actions for each payment type.
• Conducting daily checks and authorizations of transactions involving virtual and real-world money.
• Working closely with AML and Fraud teams to protect client funds.
• Ensuring compliance with regulatory bodies, focusing on FCA and CASS standards.
• Proactively solving problems, mitigating risks, issues, or control weaknesses in your daily tasks.

What we’re looking for

• Previous administration experience, such as in insurance, financial services operations, or other high-volume roles.
• Experience in payment processing and client money responsibilities is a plus but not essential.
• A commitment to providing excellent customer service through a process-driven approach.
• Exceptional attention to detail and accuracy in a fast-paced environment.
• Strong interpersonal skills and enjoyment of connecting with people.
• Intermediate Excel skills.

Why join us?

Our Circler proposition supports employees in health, wealth, development, and lifestyle. We offer a hybrid working model—three days remote, two days in the office—with support for home setup. We provide flexible working arrangements.

• Health: Private Medical Insurance, Dental Insurance, MediCash, and reproductive health discounts.
• Wealth: Octopus Money Coach, mortgage advice, retail discounts.
• Development: £300 learning allowance annually.
• Lifestyle: Gympass, Electric Car Scheme, and more.

We have also enhanced parental leave policies and won awards for diversity and inclusion.