We’re on a mission to back the UK’s small businesses like no one elseSmall 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. Read our Impact Report] | [See our Trustpilot]The role London (Hybrid) | 3 days in the office | Competitive Salary + BenefitsYou’ll make a real difference for our customers and your team from day one. Analyse data (annual accounts, bank statements, credit reference agency data) to determine the degree of risk involved in extending credit to SME borrowers on a loan-by-loan basisEnhance the quality of loan decisions by integrating market, industry, and portfolio insights into your credit decisionsFurther your knowledge of UK SMEs, incl. accounting practices, industry and financing standards, payment behaviour and relevant legal aspects to help us evaluating credit risk correctlyProvide a best-in-class experience for our borrowers by reviewing all loan applications efficiently and in accordance with our internal quality standardsContribute to the ongoing development of systems, processes and business practices by sharing recommendations to improve efficiency and capacityAdvise and guide colleagues to ensure that commercial opportunities are maximized without compromising Funding Circle’s risk managementProactively problem solving, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-dayWhat we’re looking for We value deep expertise, but a growth mindset and good energy are what really make our team click. An inquisitive mind-set, openness to change, willingness to challenge the status quo and a great work ethicExperience in credit analysis (Ideally SME lending).Strong analytical, decision-making, and communication skillsA firm understanding of UK accounting standardsAble to take ownership of redesigning departmental workflows, using AI to automate complex tasks and drive operational efficiencyCompetently able to Identify high-impact AI use cases and implement advanced prompting techniques to solve multi-layered business challengesWe’re building a place where everyone truly feels they belong. 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’d love to chat!
Risk Underwriter in London employer: Funding Circle
At Funding Circle, we pride ourselves on being an exceptional employer that champions the growth and well-being of our employees. With a vibrant work culture that combines the agility of a fintech start-up with the stability of a public company, we offer flexible working arrangements, competitive salaries, and comprehensive benefits including health support and professional development opportunities. Join us in London, where you can make a meaningful impact while enjoying perks like barista coffee, subsidised lunches, and a strong commitment to employee welfare.
