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For Companies At a Glance
- Tasks: Join our Credit Strategy team to optimise lending for small businesses and analyse credit risk.
- Company: Funding Circle empowers small businesses with fast, hassle-free access to finance.
- Benefits: Enjoy hybrid working, health perks, flexible benefits, and a supportive workplace culture.
- Why this job: Make a real impact on SMEs while developing your analytical skills in a dynamic environment.
- Qualifications: A degree in Maths, Engineering, or Science; no experience needed but relevant experience is a plus.
- Other info: Diversity is celebrated here; we encourage all backgrounds to apply!
The predicted salary is between 28800 - 43200 £ per year.
Job Description
Credit Strategy Analyst
We are looking for a Credit Strategy Analyst in our Credit Strategy team.
This role sits in the Credit Risk team who are hugely influential to our overall lending process. They look at measuring our risk, optimising our credit risk funnel and forecasting the performance of our loan portfolios. To do this, they work with the credit risk modelling, engineering, data management, capital markets and business operations teams 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
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.
- Primarily responsible for monitoring our Credit Strategy to identify useful trends and opportunities to optimise our lending strategy
- Involved with all aspects of credit strategy analytics, from loss rate forecasting to segmentation analysis
- Guiding business decisions by carrying out ad hoc analysis, providing credit risk insights and recommendations for optimising credit risk strategies and business processes
- Collaborate with experts from different functions, particularly Engineering and Operations, to ensure daily running of our lending business and to implement any Credit Strategy changes
- Proactively problem solving, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day
What we're looking for
- A degree from numerical subjects such as Mathematics, Engineering or Science
- No work experience required, but work experience is advantageous, particularly in credit risk analytics / portfolio analytics, ideally in a Retail/Corporate/Investment Banking context
- 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
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.
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! Our award-winning multi-product platform is solving more SME finance challenges than ever before. We think big, rally together and meet the needs of SME customers like no other.
Why join us?
At Funding Circle, we celebrate and support the differences that make you, you. We're proud to be an equal-opportunity workplace and affirmative-action employer. We truly believe that diversity makes us better .
As a flexible-first employer we offer hybrid working at Funding Circle, and we've long believed in a 'best of both' approach to in-office collaboration and non-office days. We expect our teams to be in our London office three times a week, where you can take advantage of our newly refurbished hybrid working space, barista made coffee and subsidised lunches (via JustEat) every day!
We back our Circlers to build their own incredible career, making a difference to small businesses every day. 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.
A few highlights:
- Flexibility: We provide you with a benefit allowance so that you can tailor your benefit selection to you and your family's needs.
- Health: Private Medical Insurance, Dental Insurance, Health Cash Plan, Health Assessments (including female fertility health assessments), eyecare vouchers, flu jabs, Wellhub (for discounted flexible gym membership and access to wellbeing apps) access to a free Employee Assistance Programme and free Digital GP for yourself and any children under 16.
- Wealth: Life Assurance, Income Protection, Critical Illness Cover, financial coaching through Octopus Money Coach, a tax-advantaged share scheme, a free mortgage advisor partnership and discounts across numerous retailers through Perks at Work.
- Development: Dedicated annual Learning & Development allowance and full access to internal learning platform.
- Lifestyle: Electric Car Scheme, Cycle to Work scheme, Season Ticket Loans, and more!
And finally, we have award winning parental leave policies supporting parents through enhanced maternity, partner and adoption leave, as well as additional leave for parental bereavement and for fertility treatments.
Ready to make a difference? We'd love to hear from you.
Credit Strategy Analyst - Funding Circle employer: Funding Circle
Contact Detail:
Funding Circle Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Strategy Analyst - Funding Circle
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk analytics. Understanding current methodologies and technologies used in the industry will help you engage in meaningful conversations during interviews and demonstrate your proactive approach to learning.
✨Tip Number 2
Network with professionals in the credit risk field, especially those who work at Funding Circle or similar companies. Attend industry events or join relevant online forums to gain insights and potentially get referrals that could boost your application.
✨Tip Number 3
Brush up on your analytical skills, particularly in Excel and coding languages like SQL, R, or Python. Consider working on personal projects or case studies that showcase your ability to analyse data and derive actionable insights, as this will be crucial for the role.
✨Tip Number 4
Prepare to discuss how you would approach problem-solving in a credit strategy context. Think of examples where you've identified risks or optimised processes, as demonstrating your critical thinking and analytical mindset will set you apart from other candidates.
We think you need these skills to ace Credit Strategy Analyst - Funding Circle
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant skills and experiences that align with the Credit Strategy Analyst role. Emphasise any analytical work, particularly in credit risk or portfolio analytics, and showcase your proficiency in tools like Excel, SQL, R, or Python.
Craft a Compelling Cover Letter: In your cover letter, express your passion for supporting small businesses and how your background in numerical subjects can contribute to Funding Circle's mission. Mention specific examples of how you've used data analysis to guide business decisions.
Showcase Analytical Skills: Provide examples in your application that demonstrate your ability to analyse data and translate findings into actionable insights. Highlight any experience with loss rate forecasting or segmentation analysis, as these are key aspects of the role.
Research Funding Circle: Familiarise yourself with Funding Circle's impact on small businesses and their approach to lending. Reference this knowledge in your application to show your genuine interest in the company and its objectives.
How to prepare for a job interview at Funding Circle
✨Understand the Role
Make sure you have a solid grasp of what a Credit Strategy Analyst does. Familiarise yourself with credit risk analytics, loss rate forecasting, and how these elements contribute to lending strategies. This will help you articulate your understanding during the interview.
✨Showcase Your Analytical Skills
Be prepared to discuss your experience with data analysis and how you've used it to guide business decisions. If you have any projects or examples where you translated complex data into actionable insights, be ready to share those.
✨Brush Up on Technical Skills
Since the role requires proficiency in Excel and coding languages like SQL, R, or Python, make sure you're comfortable discussing your technical skills. You might even want to prepare for potential technical questions or case studies that test your analytical abilities.
✨Demonstrate Curiosity and Problem-Solving
Funding Circle values candidates who are curious and eager to learn. Be ready to discuss how you've approached open-ended problems in the past and what steps you took to find solutions. This will show your proactive mindset and ability to adapt.