Senior Credit Risk Analyst

Funding Circle UK; London; On-site; GBP 40,000 - 80,000; Full time

Job summary

An innovative firm is seeking a Senior Credit Risk Analyst to join their Portfolio Management team. This role is pivotal in monitoring risk performance and forecasting returns across various products. The successful candidate will collaborate with multiple teams to develop analytical solutions that support the business's objectives. With over a decade of experience in reshaping SME lending, this company values meaningful support and fast processes, ensuring a superior customer experience. If you are passionate about leveraging data to drive business success, this opportunity is perfect for you.

Qualifications

• 3+ years of experience in credit risk analytics, particularly in SME/Retail Lending.
• Advanced Excel skills and working knowledge of SQL.

Responsibilities

• Deliver analysis and reporting to maintain investor relationships.
• Generate cash flow forecasts and risk monitoring across products.

Skills

credit risk analytics

problem solving

communication

analytical methods

Excel

SQL

R

SAS

Python

IFRS 9/ECL modelling

Job description

Senior Credit Risk Analyst

We are looking for a Senior Credit Risk Analyst in our Portfolio Management team.

Funding Circle’s Portfolio Management team plays an essential role in the business. They monitor risk performance across all of our products, forecast the performance and returns of our portfolios, and are key to supporting other areas in the business. To do this, they work with a number of teams, including Credit Strategy, Finance, Capital Markets, Collections, Recoveries, and Data, 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

1. Deliver value for Funding Circle through analysis and reporting, working closely with Capital Markets to help maintain a good relationship with our investors.
2. Generate cash flow forecasts across various products and portfolios, working closely with Finance on Fair Value and IFRS 9 modelling.
3. Deliver regular risk monitoring and provide analysis and insight across all of our products for relevant stakeholders and committees.
4. Identify, develop and maintain key relationships with internal stakeholders.
5. Proactively problem solve, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day.

What we’re looking for

1. 3+ years’ experience working in credit risk analytics, ideally in a SME/Retail Lending context.
2. Exceptional problem solving skills using logical reasoning and analytical methods.
3. Be an excellent communicator and presenter. Turn complex analysis into simply articulated visions/insights.
4. Advanced knowledge of Excel.
5. Working knowledge of SQL.
6. One programming language (R, SAS, Python).
7. Experience with IFRS 9/ECL modelling.

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.

Ready to make a difference?

We’d love to hear from you.