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- Tasks: Assess credit data and make lending decisions for SMEs in a fast-paced environment.
- Company: Join iwoca, a tech-driven company supporting small businesses with flexible finance solutions.
- Benefits: Competitive salary, career development opportunities, and a vibrant team culture.
- Other info: Be part of a growing team dedicated to transforming the finance landscape for SMEs.
- Why this job: Make a real impact by helping SMEs thrive through smart financial solutions.
- Qualifications: Analytical skills and a passion for supporting small businesses.
The predicted salary is between 30000 - 40000 £ per year.
The company 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.
We're looking for a Graduate Credit Analyst. We continue to grow, and more customers means more credit decisions. 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.
The role:
- 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 stakeholders.
Graduate Credit Analyst | London, UK employer: Iwoca Ltd
Contact Detail:
Iwoca Ltd Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Graduate Credit Analyst | London, UK
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with current employees at iwoca. Building relationships can give you insider info and might just land you an interview.
✨Tip Number 2
Prepare for the interview by understanding iwoca's mission and values. Show us how your skills align with helping SMEs succeed. Tailor your answers to reflect our commitment to fast, fair, and accurate lending decisions.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or use online resources. Focus on articulating your thought process when assessing credit data and making lending decisions.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows us you’re genuinely interested in being part of our team.
We think you need these skills to ace Graduate Credit Analyst | London, UK
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Graduate Credit Analyst role. Highlight any relevant experience or skills that align with assessing credit data and understanding financial statements. We want to see how you can contribute to our mission!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about helping SMEs and how your background makes you a great fit for iwoca. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: As a Credit Analyst, strong analytical skills are key. In your application, mention any experiences where you've had to analyse data or make decisions based on financial information. We’re looking for those who can think critically and act decisively!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re keen and ready to take the next step in your career with iwoca!
How to prepare for a job interview at Iwoca Ltd
✨Know Your Numbers
As a Graduate Credit Analyst, you'll be dealing with financial statements and credit data. Brush up on your financial analysis skills and be prepared to discuss how you would assess risk based on different financial indicators. Familiarise yourself with common metrics used in SME lending.
✨Understand the SME Landscape
Research the challenges and opportunities faced by small businesses today. Being able to speak knowledgeably about the SME sector will show your passion for helping these businesses succeed and demonstrate that you understand iwoca's mission.
✨Showcase Your Decision-Making Skills
During the interview, be ready to provide examples of how you've made decisions in the past, especially under pressure. Highlight any experiences where you had to analyse data and make quick, informed choices, as this is crucial for the role.
✨Ask Insightful Questions
Prepare thoughtful questions about iwoca's underwriting framework and how they ensure fair lending decisions. This not only shows your interest in the role but also your eagerness to contribute to their mission of supporting SMEs.