Graduate Credit Analyst

We’re looking for a Graduate Credit Analyst. Our credit team of 50 analysts is expanding and we’re looking for analysts to assess our customers in a fast, fair and accurate way.

Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are. That’s why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it’s needed. We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.

Our team of Credit Analysts are responsible for making lending decisions for each of the UK’s SME businesses that approach iwoca.

Your mission:

• Reviewing credit data, financial statements and other data sources to assess the level of risk involved in lending.
• Conducting thorough due diligence to ensure affordability of credit in line with internal policies.
• Understanding and accurately capturing the specific revenue and risk drivers for SMEs.
• Being responsible for and trusted to make lending decisions.
• Supporting and improving our underwriting framework, through consistent high quality lending decisions to enable us to make better, faster and fairer decisions.
• Communicating effectively with our Account Management teams to ensure customer needs are met.

Requirements

We look for people who are smart, humble, motivated and who are always looking to improve. Ideally, you’ll have:

• A UK bachelors or masters degree from which you’ll be graduating in 2026.
• A good understanding of how businesses operate, including their main risk and revenue drivers.
• The ability to interpret financial statements to evaluate business performance.
• An analytical mindset with a practical approach to problem solving.
• Excellent communication skills. You will be in direct contact with applicants via phone and email to better understand their business.
• A motivated and enthusiastic attitude that works well in a regularly changing and fast-paced environment.

This is a hybrid role, requiring 3 days in the office per week.

Our benefits

We put a lot of effort into making iwoca a brilliant place to work:

• Offices in London, Leeds, Frankfurt and Berlin.
• Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
• Two company retreats a year, we’ve been to France, Italy, Spain and further afield.
• Plenty of drinks and snacks in our offices.

We offer a wide range of benefits:

• Medical insurance from Vitality, including discounted gym membership.
• 25 days’ holiday, an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave.
• Instant access to emotional and mental health support with our partner, Spill.
• Share options.
• Generous maternity and paternity leave.
• A nursery tax benefit scheme to help you save money.
• Paid volunteering day to support your chosen charity.
• Extra leave if you want to travel or study.
• One-month fully paid sabbatical after 4 years.
• Cycle-to-work scheme.
• Electric car scheme.

And to make sure we all keep learning, we offer:

• An L&D budget for everyone, including a book budget.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse if you want to learn to code.

For more information: iwoca benefits & policies: coda.io/d/iwoca-benefits-policies