Graduate Credit Strategy Analyst London, England
Job description
The role
This role focuses on our Credit Risk lending capabilities. You’ll be given the opportunity to think outside the box and come up with a wide range of suggestions and ideas to optimise our ability to lend to small businesses, while also delivering strong returns for our investors.
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 under our belt, we've built a game-changer of a platform 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 an instant decision, giving them access to affordable funding in a flash.
99% of businesses are small businesses! And in most cases aren’t given the finance they need to grow. We’re here to change that because the world needs small business.
Want to learn more?
- We have a huge impact on the businesses that borrow through our platform, the communities they serve and the overall economy (last year £6.9bn of GDP generated). You can read our full Impact Report here: https://www.fundingcircle.com/uk/impact
- To see what our customers think, visit our Trustpilot page: https://uk.trustpilot.com/review/fundingcircle.com
- And we’re still evolving! With over a decade leading the industry with our award winning core loans offering we are now well on our way to solving more SME finance challenges transforming into a multi-product lending platform.
What will you be doing?
- You will be primarily responsible for running forecasting and stress testing analyses, across different portfolio products and segments, covering data analytics, modelling and engagement with stakeholders
- You will be involved with all aspects of portfolio and risk measurements, from cash flow modelling to segmentation analysis
- You will collaborate with experts from different functions, particularly Finance and Capital Markets, guiding business decisions by carrying out ad hoc analysis, providing credit risk insights and recommendations for optimising credit risk strategies and business processes
What we’re looking for
- A degree from numerical subject, such as Mathematics, Engineering or Science
- No work experience required, but any experience will put you in advantage, particularly in credit risk analytics / portfolio analytics, ideally in a Retail/Corporate/Investment Banking context
- Preferably experience in guiding business decisions through analytical insights, ideally covering all steps from initial stakeholder engagement and business analysis to data analysis and presentation of the results
- Excellent communication skills, particularly with regards to translating data analyses and numbers into actionable insights tailored to the audience
- Some understanding of the principles of portfolio modelling, particularly cash flow modelling and measurement of performance
- Adequate to fluent in Excel and coding, any of: SQL, R, Python, Tableau (candidates with experience in other environments e.g. SAS and aptitude to quickly learn will also be considered)
- Curious and eager to learn, and comfortable working independently on solving open-ended problems
Why join us?
Our Circler proposition is designed to support employees both in and out of work, and it is anchored around four pillars: Health, Wealth, Development & Lifestyle.
We are committed to being full-time hybrid; three days from home for which we will help support your home working set-up and two in the office where you can take advantage of our free barista and subsidised lunches through JustEat. We support flexible working arrangements so please speak to our recruitment team if this is something you’d like to learn more about.
A few highlights:
Health: Private Medical Insurance through Aviva, Dental Insurance through Bupa, MediCash, free access to online therapy sessions via Spill and exclusive discounts with Hertility for reproductive health support.- Wealth: Octopus Money Coach, free mortgage advisor partnership and discounts across numerous retailers through Perks at Work.
- Development: Learning allowance and full access to LinkedIn Learning.
- Lifestyle: Gympass, Electric Car Scheme and more!
And finally, we have enhanced all of our parental leave policies - we actually won the AltFi Award for Diversity, Equity and Inclusion Initiative of the Year 2022 for our Partner Leave policy. You can read more here: https://www.altfi.com/article/10158_the-altfi-awards-2022-here-are-the-winners
Research shows that some people are less likely to apply to jobs unless they meet every single criteria. 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. You might just be the perfect addition to the team!
Want to Build The Incredible? We’d love to hear from you.
