At a Glance
- Tasks: Join our Capital Markets team to secure funding for small businesses and build investor relationships.
- Company: Funding Circle, a fintech leader supporting the UK's small businesses.
- Benefits: Competitive salary, flexible work, health benefits, and a dedicated learning allowance.
- Other info: Join a diverse team that values growth, collaboration, and innovation.
- Why this job: Make a real impact on the economy while developing your career in a supportive environment.
- Qualifications: 3-5 years in structured finance and strong analytical skills required.
The predicted salary is between 50000 - 65000 £ 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 is based in London (Hybrid) with 3 days in the office and offers a competitive salary plus benefits. The Capital Markets team is central to Funding Circle's strategy, responsible for securing and managing the institutional funding that underpins our lending to small businesses. As a Capital Markets Associate, you'll play a vital role in executing our funding strategy, cultivating investor relationships, and contributing to the overall financial health and growth of the business.
- Lead the transaction execution process for various capital markets transactions, including securitisations (e.g., SBOLT), credit facilities, and loan sales.
- Coordinate due diligence processes, prepare data tapes, manage the closing of funding facilities, and manage and provide comments on legal documentation.
- Assist in building and maintaining strong relationships with a diverse range of institutional investors (e.g. banks, asset managers, hedge funds), including preparing high quality investor presentations, responding to complex information requests, and leading the logistical coordination of investor meetings and roadshows.
- Serve as a key point of contact for external stakeholders, such as rating agencies and legal advisors, during transactions.
- Develop and maintain sophisticated financial models to analyse portfolio performance, forecast cash flows, assess potential deal structures, and evaluate the impact on funding costs.
- Prepare regular performance reports for internal and external stakeholders, tracking key metrics, analysing trends, and ensuring strict adherence to contractual requirements.
- Monitor capital markets trends, competitor activity, and regulatory developments to identify opportunities and risks for Funding Circle's funding strategy.
- Act as a technical subject matter expert on current regulations, interpreting developments and communicating practical implications to investors.
- Build a strong internal network and work closely with internal teams including Finance, Risk, Legal, Product, and Data Science to ensure alignment on capital markets initiatives and drive strategic projects.
- Support and lead projects and analysis that align with broader lending objectives, and support team development initiatives to increase market and deal knowledge.
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.
- 3-5 years experience in structured finance at a rating agency, investment bank, fintech lender, asset manager or other relevant financial institution.
- Bachelor's degree in Finance, Economics, Business, STEM, or a related field.
- Solid understanding of debt capital markets products and financing structures, particularly securitisation and warehouse facilities.
- Advanced Excel and proven experience in financial modelling and analysing large datasets.
- Excellent analytical and quantitative skills with a meticulous attention to detail.
- Strong communication and interpersonal skills, with the ability to articulate complex financial concepts clearly and concisely to diverse audiences.
- Highly organised with strong project management capabilities, able to manage multiple priorities in a fast paced, dynamic environment.
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!
Associate, Capital Markets employer: Funding Circle
Funding Circle is an exceptional employer that fosters a collaborative and innovative work culture, particularly in our London office where hybrid working allows for flexibility and balance. We prioritise employee growth through mentorship opportunities and encourage the development of cutting-edge AI solutions, all while offering a competitive salary and comprehensive benefits that support your well-being and career advancement.
StudySmarter Expert Advice🤫
We think this is how you could land Associate, Capital Markets
✨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. 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 Associate, Capital Markets
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.
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'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
✨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.
✨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 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 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.
