At a Glance
- Tasks: Analyse credit strategies to optimise lending for small businesses and drive impactful decisions.
- Company: Join Funding Circle, a fintech leader supporting the UK's small businesses.
- Benefits: Competitive salary, flexible work, health perks, and a dedicated learning allowance.
- Other info: Be part of a high-performing team with excellent career growth opportunities.
- Why this job: Make a real difference in the economy while building your career in a supportive environment.
- Qualifications: Degree in a numerical field; coding skills in SQL, Python, or R preferred.
The predicted salary is between 37800 - 46200 £ 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!
(Read our Impact Report) | (See our Trustpilot)
The role
London (Hybrid) | 3 days in the office | Competitive Salary + Benefits
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.
Focusing 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
What we're looking for
- A degree in a highly numerical discipline (e. g., Mathematics, Statistics, Engineering, Computer Science, or Physical Sciences)
- Open to entry-level candidates and recent graduates. Prior internship or work experience in credit risk, portfolio analytics, or banking is a strong plus, but not required.
- Ability to guide decisions through data—from defining the underlying business question to analyzing datasets and communicating actionable recommendations.
- Excellent communication skills, particularly with regards to translating data analyses and numbers into actionable insights tailored to the audience
- Intermediate-to-advanced Excel skills.
- Practical coding proficiency in at least one analytical language (SQL, Python, or R).
Candidates with SAS experience or demonstrated aptitude to learn new languages quickly are also considered.
- Curious and eager to learn, and comfortable working independently on solving open-ended problems.
- Able to take ownership of redesigning department workflows, using AI to automate complex tasks and drive operational efficiency
- Competently able to Identify high-impact AI use cases and implement advanced prompting techniques to solve multi-layered business challenges
- Prior exposure to credit risk analytics or banking (retail, corporate, or investment) is advantageous but not required.
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.
Credit Strategy Analyst in London employer: Fundingcircle
Funding Circle is an exceptional employer that fosters a dynamic and collaborative work culture in the heart of London. With a strong focus on employee growth, we offer comprehensive training and mentorship opportunities, allowing you to thrive in your role as a Senior SME Financing & Funding Specialist. Our hybrid working model promotes flexibility, while our commitment to innovation ensures you have access to cutting-edge tools and resources to excel in building meaningful partnerships with SME clients.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Strategy Analyst in London
✨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 Fundingcircle. 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 Credit Strategy Analyst in London
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 Fundingcircle.
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 Fundingcircle'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 Fundingcircle
✨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 Fundingcircle.
✨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 Fundingcircle 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 Fundingcircle 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.
