Credit Analyst

at iwoca ltd in London

(₤25000 - ₤45000 per year)

Join one of Europe’s leading Fintech startups.


At iwoca, our vision is that finance should be like electricity: simple, seamless and powerful. Over the next decade we aim to provide financing to 1 million small businesses that are underserved by the banks. Since launching in 2012, we’ve already lent to nearly 10,000 small businesses across Europe. Along the way we have built a high-tech platform, won numerous awards and have grown a fun and vibrant team. The most exciting part of our journey still lies ahead of us, join us to make a difference!


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


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 – as you gain experience, you will make decisions on your own set of customers and will be expected to grow your own loan book. You should thrive under 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 worth with them to ensure we do our best to meet an applicant’s needs and offer a fast, slick service.

You will need:


  • 1+ years of experience in commercial loan underwriting, preferably within the SME sector or alternative lending.
  • Good 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 key 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.
  • A bucket load of common sense

Benefits

  • 33 days holiday (including public holidays)
  • Pool and Ping Pong tables
  • Plenty of space to chill out
  • Plenty of drinks and snack (healthy and unhealthy)
  • Subsidised gym membership and restaurant discounts in Oxford Circus
  • Cycle2Work scheme for great value bikes
  • Various sports teams including football and climbing
  • A super smart team of really nice people
  • Company retreats to great destinations


« Go back to category
Is this job ad fake? Report it!   
Published at 28 Mar 2017
Expires on 28 May 2017
Viewed: 467 times