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For Companies At a Glance
- Tasks: Own the credit evaluation process and optimise workflows for SME loan applications.
- Company: Join Lenkie, a dynamic fintech empowering small businesses with innovative lending solutions.
- Benefits: Competitive salary, hybrid work culture, and opportunities for career growth.
- Why this job: Shape the future of credit operations in a fast-growing Series A startup.
- Qualifications: 2-4 years of SME underwriting experience and a self-starter mentality.
- Other info: Collaborate with cross-functional teams and contribute to impactful projects.
The predicted salary is between 40000 - 48000 £ per year.
About Lenkie
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.
Position Overview
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 judgment 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.
What You’ll Get from Us
- Competitive Salary: Generous base salary.
- 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.
How to Apply
If you’re a self-starter who knows what "great" looks like in SME lending and you’re ready to build it at Lenkie, we’d love to hear from you. Please send your CV to johannes@lenkie.com.
Credit Analyst in London employer: Lenkie
Contact Detail:
Lenkie Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst in London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work at Lenkie or similar companies. A friendly chat can open doors and give you insights that might just land you an interview.
✨Tip Number 2
Prepare for the interview by diving deep into Lenkie's mission and values. Show us how your experience aligns with our goals and how you can contribute to our growth. We love candidates who are genuinely excited about what we do!
✨Tip Number 3
Don’t just wait for job postings! Apply directly through our website. Tailor your application to highlight your fintech experience and analytical skills. We’re looking for self-starters who can hit the ground running!
✨Tip Number 4
Be ready to showcase your problem-solving skills. During interviews, we might throw some real-world scenarios your way. Think on your feet and demonstrate how you’d tackle challenges in the credit evaluation process.
We think you need these skills to ace Credit Analyst in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Analyst role at Lenkie. Highlight your experience in SME lending and any relevant fintech background. We want to see how your skills align with our mission!
Showcase Your Analytical Skills: In your application, emphasise your analytical prowess. Mention specific examples where you've successfully assessed creditworthiness or optimised workflows. We love seeing data-driven decision-making in action!
Be Yourself: Let your personality shine through in your written application. We’re looking for self-starters with 'builder' DNA, so don’t be afraid to show us your passion for problem-solving and innovation.
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 don’t miss out on any important updates from us!
How to prepare for a job interview at Lenkie
✨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 specific examples from your past experience where you successfully assessed creditworthiness.
✨Show Your Problem-Solving Skills
Lenkie is looking for someone with 'builder' DNA. Prepare to share instances where you've identified bottlenecks in processes and implemented solutions. Think about how you can contribute to refining workflows and optimising decision-making engines.
✨Communicate Clearly
Effective communication is key in this role. Practice articulating your credit decisions and thought processes clearly. You might be asked to explain complex financial concepts to non-financial stakeholders, so make sure you can simplify your explanations.
✨Embrace the Remote-First Culture
With Lenkie's remote-first culture, it's important to show that you're comfortable working independently and collaboratively. Share your experiences of working in remote teams and how you maintain productivity and communication in such environments.