At a Glance
- Tasks: Join us in processing and underwriting loan applications for ambitious SMEs.
- Company: Lenkie, a dynamic fintech startup empowering small businesses.
- Benefits: Competitive salary, equity options, hybrid work culture, and growth opportunities.
- Other info: Be part of a diverse team with a focus on collaboration and innovation.
- Why this job: Shape the future of credit operations in a fast-growing startup.
- Qualifications: 2-4 years of SME underwriting experience and a self-starter mentality.
The predicted salary is between 40000 - 48000 € per year.
At Lenkie, we’re passionate about helping small businesses turn their big ambitions into reality. Through our innovative lending products and powerful cash flow management platform, we empower SMEs to succeed. We have supported hundreds of UK businesses with millions in funding. We are a high-performing, collaborative team headquartered in London with a remote-first culture. Backed by world-class investors, we recently closed a £4M equity and £45M debt Series A investment round. We are now entering a pivotal scaling phase and are looking for a sharp, execution-focused Credit Analyst to join our mission.
About the job
We are looking for a driven Credit Analyst / Underwriter who has cut their teeth at one of the UK’s SME fintech lenders. You have 2–4 years of experience and understand what a high-output, technology-driven underwriting process looks like at scale. At Lenkie, you won't just be a cog in a machine. While your primary focus will be the efficient processing and underwriting of loan applications, you will also be an early hire with "builder" DNA. You’ll help us refine our workflows, optimize our decisioning engines and scorecards.
Key Responsibilities
- Application Processing & Underwriting: Own the end-to-end credit evaluation process for SME applicants. Perform deep-dive financial analysis, assess creditworthiness, and deliver fast, accurate lending decisions.
- Workflow Optimization: Use your experience to identify bottlenecks in our current process. Proactively suggest and implement improvements to increase speed-to-decision without compromising risk.
- Early-Stage Building: As a core member of a lean team, you will help "write the playbook" for our credit operations, contributing to the evolution of our internal tools and risk frameworks.
- Portfolio Monitoring: Actively monitor the health of our existing SME exposures, identifying early warning signs and contributing to portfolio reporting.
- Cross-Functional Collaboration: Work daily with Sales and Product/Tech teams to ensure a seamless customer journey from application to drawdown.
- Data-Driven Feedback: Provide feedback to our data and engineering teams to help automate manual checks and enhance our proprietary risk models.
Qualifications / Required Skills
- Experience: 2–4 years of direct SME underwriting experience.
- Fintech Background: You have worked at a UK SME fintech lender and understand modern, data-driven credit assessment.
- Processing Power: You are comfortable handling a high volume of applications and making sound judgement calls in a fast-paced environment.
- Self-Starter Mentality: You thrive in an environment where not everything is defined yet. You see a problem and build a solution rather than waiting for a manual.
- Analytical Rigor: Strong ability to analyze P&L statements, balance sheets, bank transactions, and credit reports.
- Communication: Ability to articulate credit decisions clearly to both internal stakeholders and, where necessary, customers.
Nice to have
- Familiarity with SQL or Python to pull and analyze data independently.
How we reward performance
- Competitive Salary: Generous base salary + equity options.
- Hybrid Culture: 3 days per week in our Bloomsbury office to foster collaboration, with flexibility for the rest.
- Impact: The chance to shape the credit function of a Series A startup from the ground up.
- Growth: A clear path to more senior risk or leadership roles as the company scales.
We’re building a diverse, inclusive and supportive team where everyone can do their best work. We welcome applications from people of all backgrounds, experiences and perspectives, and we do not discriminate based on age, disability, gender reassignment, marriage and civil partnership, pregnancy and maternity, race, religion or belief, sex, or sexual orientation. If you require any reasonable adjustments during the recruitment process, please let us know.
Credit Analyst / Underwriter London employer: Lenkie Inc.
At Lenkie, we pride ourselves on being an exceptional employer that champions innovation and collaboration in the heart of London. Our remote-first culture allows for flexibility while fostering a high-performing environment where your contributions directly impact the success of SMEs across the UK. With competitive salaries, equity options, and clear pathways for growth, we empower our team members to shape their careers and make meaningful contributions as we scale our operations.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst / Underwriter London
✨Tip Number 1
Network like a pro! Reach out to your connections in the fintech space, especially those who have experience with SME lending. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by diving deep into Lenkie's mission and values. Show us how your experience aligns with our goals and be ready to discuss how you can contribute to our scaling phase.
✨Tip Number 3
Don’t just apply; engage! When you submit your application through our website, follow up with a quick email expressing your enthusiasm. It shows initiative and keeps you on our radar.
✨Tip Number 4
Brush up on your analytical skills! Be prepared to discuss specific examples of how you've tackled credit evaluations and optimised workflows in your previous roles. We love data-driven decision-making!
We think you need these skills to ace Credit Analyst / Underwriter London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Credit Analyst / Underwriter. Highlight your experience in SME fintech lending and any specific achievements that showcase your analytical skills and decision-making prowess.
Craft a Compelling Cover Letter:Use your cover letter to tell us why you're passionate about helping SMEs succeed. Share your journey in the fintech space and how your 'builder' mentality aligns with our mission at Lenkie.
Showcase Your Analytical Skills:In your application, don’t shy away from demonstrating your analytical rigor. Mention specific tools or methodologies you've used to assess creditworthiness and how you’ve optimised workflows in previous roles.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you’re considered for this exciting opportunity to shape our credit function!
How to prepare for a job interview at Lenkie Inc.
✨Know Your Numbers
As a Credit Analyst, you'll need to demonstrate your analytical skills. Brush up on your understanding of P&L statements, balance sheets, and credit reports. Be ready to discuss how you've used these in past roles to make lending decisions.
✨Show Your Problem-Solving Skills
Lenkie is looking for someone with 'builder' DNA. Prepare examples of how you've identified bottlenecks in processes and implemented solutions. This will show that you can contribute to refining workflows and optimising decision-making.
✨Communicate Clearly
You’ll need to articulate credit decisions to both internal teams and customers. Practice explaining complex financial concepts in simple terms. This will help you stand out as someone who can bridge the gap between data and decision-making.
✨Be Ready to Collaborate
Cross-functional collaboration is key at Lenkie. Think of examples where you've worked closely with sales or tech teams. Highlight your ability to work in a team and how you can contribute to a seamless customer journey from application to drawdown.
