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- Tasks: Analyse credit strategies to optimise lending for small businesses and enhance investor returns.
- Company: Join Funding Circle, a leader in SME lending with a mission to support small businesses.
- Benefits: Flexible hybrid working, subsidised lunches, and a vibrant office environment.
- Why this job: Make a real impact on small businesses while developing your analytical skills.
- Qualifications: Degree in numerical subjects; coding skills in SQL, R, or Python preferred.
- Other info: Diverse teams welcomed; excellent career growth opportunities in a supportive culture.
The predicted salary is between 28800 - 48000 £ per year.
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.
The role focuses on our Credit Risk lending capabilities. You will 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 are 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 . 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.
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.
Credit Strategy Analyst in England employer: Funding Circle
Contact Detail:
Funding Circle Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Strategy Analyst in England
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at Funding Circle. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for interviews by brushing up on your analytical skills. Be ready to discuss how you've used data to drive decisions. Show us your thought process and how you tackle problems!
✨Tip Number 3
Don’t just apply; engage with our content! Follow Funding Circle on social media, comment on posts, and share your thoughts. It shows you're genuinely interested and can help you stand out.
✨Tip Number 4
When you get an interview, think about how you can contribute to our mission of supporting small businesses. Share ideas on optimising lending strategies and demonstrate your passion for making a difference!
We think you need these skills to ace Credit Strategy Analyst in England
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Strategy Analyst role. Highlight any relevant skills or experiences that align with credit risk analytics, even if they come from academic projects or internships.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about helping small businesses and how your analytical skills can contribute to our mission at Funding Circle.
Showcase Your Analytical Skills: In your application, don’t forget to mention any experience you have with data analysis tools like SQL, R, or Python. We love seeing how you’ve used these skills to solve problems or make decisions in the past.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you’re considered for the role!
How to prepare for a job interview at Funding Circle
✨Know Your Numbers
As a Credit Strategy Analyst, you'll be dealing with data and analytics. Brush up on your numerical skills and be prepared to discuss how you would approach loss rate forecasting or segmentation analysis. Show them you can translate complex data into actionable insights.
✨Understand the Business
Familiarise yourself with Funding Circle's mission and how they support small businesses. Be ready to discuss how your analytical skills can optimise their lending strategy. This shows that you're not just about numbers but also understand the bigger picture.
✨Collaborate Like a Pro
This role involves working with various teams, so highlight any experience you have in cross-functional collaboration. Prepare examples of how you've successfully worked with others to solve problems or implement changes, as this will resonate well with their team-oriented culture.
✨Show Your Curiosity
Funding Circle values curiosity and a willingness to learn. Be prepared to discuss how you've tackled open-ended problems in the past. Share examples that demonstrate your eagerness to dive deep into data and find innovative solutions.
