At a Glance
- Tasks: Own valuation modelling for Credit Card and FlexiPay products, translating data into actionable insights.
- Company: Join Funding Circle, a fintech leader supporting UK small businesses with innovative solutions.
- Benefits: Competitive salary, flexible work, health benefits, and a dedicated learning allowance.
- Other info: Be part of a top-rated workplace with excellent career growth and a vibrant office culture.
- Why this job: Make a real impact on the economy while growing your career in a supportive team.
- Qualifications: Experience in financial modelling, strong attention to detail, and proficiency in SQL or Python.
The predicted salary is between 60000 - 75000 £ per year.
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!
The role:
- Location: London (Hybrid) - 3 days in the office
- Competitive Salary + Benefits
You'll make a real difference for our customers and your team from day one. We believe the fastest way to grow is by doing, so we give you the ownership to run with things and see real-time results.
- Own the end to end valuation modelling for our Credit Card and FlexiPay products, translating complex financial data into clear, actionable insight that drives strategic decisions.
- Build and maintain forward looking models - including lifetime value, unit economics, and loss forecasting - that underpin product pricing, provisioning, and portfolio strategy.
- Partner closely with Credit Risk, Finance, and Product teams to ensure our valuations reflect the latest performance data and macroeconomic assumptions.
- Play a key role in month end and quarter end close processes, owning commentary and variance analysis for senior stakeholders and the Board.
What we're looking for:
- Strong experience in financial modelling or valuations within SME lending or consumer credit, ideally across revolving credit or instalment products.
- Excellent attention to detail and a proactive approach to identifying deviations of actuals from assumptions and updating models to reflect observed trends and variances.
- Confident working with large datasets to build and stress-test assumptions - SQL or Python required, plus strong Excel skills.
- A clear communicator who can distil complex analysis into concise, well structured narratives for non-technical audiences.
- Comfortable operating with autonomy in a fast paced environment, managing competing priorities without losing attention to detail.
Skills we'd love to see:
- Comfortable experimenting with AI tools (e.g. Claude, Copilot) to accelerate analysis, automate repetitive modelling tasks, and improve output quality.
- Experience with VBA, Excel-based financial models, or BI tools (e.g. Tableau, Looker) for reporting and scenario analysis.
- Experience supporting audit, model validation, or internal review processes.
- Knowledge of ECL / impairment modelling under IFRS 9.
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!
Senior Valuations Analyst employer: Funding Circle Ltd.
Funding Circle Ltd. is an exceptional employer that champions the growth of SMEs by providing innovative funding solutions. With a hybrid work model in vibrant London, employees enjoy a supportive work culture that fosters collaboration and professional development, alongside competitive salaries and comprehensive benefits. Join us to make a meaningful impact while building strong relationships with lenders and clients alike.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Valuations Analyst
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Funding Circle Ltd.. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Valuations Analyst
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Funding Circle Ltd..
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Funding Circle Ltd.'s website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Funding Circle Ltd.
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Funding Circle Ltd..
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Funding Circle Ltd. will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Funding Circle Ltd. employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
