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Credit Analyst
 
Title: Credit Analyst
Category: Accounting & Finance
Job type: Permanent
Job status: Full Time
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Description:
iwoca is breaking down the barriers that stop Europe’s 20 million small businesses from accessing finance. Traditional bank loans have slow application processes, inflexible terms and burdensome criteria. In contrast, we use cutting-edge technology to offer flexible access to credit with a five minute application process and a decision in hours.

Since 2012, we've lent over £400 million to over 20,000 businesses across Europe. Our customers include everything from cafés to car dealers, salons to solicitors. Along the way we have built a sophisticated technology platform, won numerous awards and grown a fun, and vibrant team.

However, we’re still near the start of our journey – our aim is to finance a million small businesses within a decade and so we need more smart, hands-on people to help us reach this goal.

Now we're looking for Senior Credit Analysts who can help us make even better lending decisions whilst supporting our rapid growth.

Requirements

The role:

Our team of Credit Analysts are responsible for making lending decisions for each of the small businesses that approach iwoca. You will:

Evaluate credit applications – using our cutting-edge tech platform, you will be analysing data from financial statements, credit reference agencies, application forms and other third party sources to arrive at fast, fair, and accurate decisions. Build a loan book – you will make decisions on your own set of customers and will be expected to grow your own loan book. You should thrive in a KPI driven environment where you are responsible for meeting global risk targets. Work closely with our Account Management team – Account Managers act as “customer champions” and you’ll work with them to ensure we do our best to meet our customer’s needs and offer a fast, slick service. Develop our credit risk model - you’ll work closely with the risk team, providing them with insights from the front line on how to strengthen our underwriting models and policies. Guide junior credit analysts in their credit decisions and support their goals and targets You will need:

3+ years of experience in commercial loan underwriting, preferably within the SME sector or alternative lending. Strong business acumen and a working understanding of what makes a good business good, so you can quickly identify the key drivers behind an application. The ability to interpret financial statements and an understanding of the key risk drivers specific to SMEs. An analytical mindset with a practical approach to problem solving. To be confident, focused and enthusiastic. You should be comfortable in a fast-paced startup environment where every month needs to be a record month. Good communication skills. You will have direct telephone contact with loan applicants to extract additional information so need a friendly telephone manner. The ability to come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve our efficiency. 25 days of paid holiday, plus UK public holidays. And we don’t expect you to work on your birthday so you can have an extra day off Benefits

In addition to a competitive salary, we also provide the following:

A smart, fun and internationally diverse team - together, we represent over 35 different nationalities Company retreats in great locations - we have at least two per year in places like the French Alps and by the Spanish seaside A really lovely office in central London - we’re right by Tottenham Court Road, and close to the bars, theatres and restaurants in Soho and Fitzrovia Pool, ping pong, foosball tables and tournaments, morning yoga and an ever-growing number of active clubs (you can set up your own!) - such as climbing, chess, cycling, football, running, boxing, etc Regular novelty perks such as free massages, which can be proposed by anyone in the team Plenty of drinks and snacks in our office kitchen Cycle-to-work scheme for great value bikes Company-wide talks with internal and external speakers Enhanced maternity/paternity leave and shared parental leave Stock options for all employees after 6 months within the business 25 days holiday a year, plus all UK Bank holidays, plus a day off for your birthday The opportunity to give your time to support a charity of your choice, via a paid volunteering day Additional leave so that you can take more time to go travelling or to study, outside of your holiday allowance Please note the application deadline for this role is 17th December - application reference CAIW17D
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