Senior Credit Risk Analytics Associate

Data, Risk & Analytics London, United Kingdom


Description

 

Who are we?

We want to help small businesses win. That’s why we’re here.

We connect small business owners to investors – to create jobs, help families and power economies – because we believe that people are made to do more.

So far our investors have lent £13.7 billion through it to 122,000 SME owners. In just one year, we unlocked 100,000 jobs and contributed £7.2 billion to the UK economy.

At Funding Circle we deliver an amazing customer experience through technology. We are focused on empowering small businesses to not only borrow, but pay and spend as well. This will make Funding Circle a multi-product platform, serving a direct and embedded audience.

 

The team

This role focuses on our Credit Risk lending capabilities. You’ll be given the opportunity to think outside the box and come up a wide range of suggestions and ideas to optimise our ability to lend to small businesses, while also delivering strong returns for our investors.

 

What will you be doing?

 

    You will be primarily responsible for running forecasting and stress testing analyses, across different portfolio products and segments, covering data analytics, modelling and engagement with stakeholders

    You will be involved with all aspects of portfolio and risk measurements, from cash flow modelling to provisioning and impairment

    You will collaborate with experts from different functions, particularly Finance and Capital Markets, guiding business decisions by carrying out ad hoc analysis, providing credit risk insights and recommendations for optimising credit risk strategies and business processes

Are you?

 

    2 years’ experience in credit risk analytics / portfolio analytics, ideally in a Retail/Corporate/Investment Banking context

    Good understanding of the principles of portfolio modelling, particularly cash flow modelling and measurement of performance

    Advanced knowledge of Excel and any of: SQL, R, Python, Tableau (candidates with experience in other environments e.g. SAS and aptitude to quickly learn will also be considered)

    Experience in guiding business decisions through analytical insights, ideally covering all steps from initial stakeholder engagement and business analysis to data analysis and presentation of the results

    Excellent communication skills, particularly with regards to translating data analyses and numbers into actionable insights tailored to the audience

 

Research shows that some people are less likely to apply to jobs unless they meet every single criteria. At Funding Circle we are committed to building diverse teams so please apply even if your past experience doesn’t align perfectly with the requirements. You might just be the perfect fit.

 

Why join us?

Talk to our recruiters about our workplace, culture and benefits covering; Lifestyle, Health, Wealth & Development!

A few highlights are:

    Hybrid working environment (2 days a week in office), flexible working options with an amazing office and we will help support your home working set up.

    Private Medical Insurance and Dental Insurance.

    Learning and Wellbeing allowances AND other perks such as Gympass, Spill, Just Eat allowance, Electric Car Scheme and more!

    Access to Octopus Money Coach, Free Mortgage advisor partnership, Discounts at other retailers through perks at work.


 

Want to Build the Incredible? We’d love to hear from you.