Underwriting London, United Kingdom


Our Underwriting Team helps small businesses raise funding by assessing the creditworthiness of each borrower to give them access to our fast and flexible loans.

The Underwriter role will expose you to a fast-paced, high performance lending culture and expand your skill set for a successful career in risk management.

About the role:

This role will be responsible for the expert evaluation and underwriting of SME businesses in line with agreed risk policies and individual discretions. The key objective is for maintaining and promoting good governance, credit processes and agreed service levels. As well as ensuring Funding Circle values are being promoted internally and externally.


  • Analyse data (annual accounts, bank statements, credit reference agency data) to determine the degree of risk involved in extending credit to SME borrowers on a loan-by-loan basis
  • Enhance the quality of loan decisions by integrating market, industry, and portfolio insights into your credit decision
  • Further your knowledge of UK SMEs, incl. accounting practices, industry and financing standards, payment behaviour and relevant legal aspects to help us evaluating credit risk correctly
  • Provide a best-in-class experience for our borrowers by reviewing all loan applications efficiently and in accordance with our internal quality standards
  • Contribute to the ongoing development of systems, processes and business practices by sharing recommendations to improve efficiency and capacity
  • Advise and guide colleagues to ensure that commercial opportunities are maximized without compromising Funding Circle’s risk management

Required Skills and Experience:

  • A firm understanding of UK accounting standards
  • Experience in credit analysis
  • Excellent analytical skills with a sound presence of commercial and business focus
  • Ability to structure transactions based upon market sector, asset and security
  • Ability to plan, organise, prioritise and manage time.
  • Coaching and development of junior staff.
  • Excellent interpersonal and communication skills.
  • Self-disciplined, motivated, a strong team player.
  • Previous credit experience is essential. 

About Us:

Funding Circle was created with one mission: to revolutionise the broken financial system and change small business finance.

We've created the leading online marketplace for small business loans that directly connects credit worthy businesses with investors wanting attractive returns.In just nine years, 92,000 Funding Circle investors have lent £7.5 billion to 72,000 businesses across the world. In 2018 alone lending through our platform created and sustained 115,000 jobs worldwide and contributed £6.5billion to the global economy.