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About the Role

The Capital Markets team is central to Funding Circle's strategy, responsible for securing and managing the institutional funding that underpins our lending to small businesses. As a Capital Markets Associate, you'll play a vital role in executing our funding strategy, cultivating investor relationships, and contributing to the overall financial health and growth of the business.

Responsibilities

• Lead the transaction execution process for various capital markets transactions, including securitisations (e.g., SBOLT), credit facilities, and loan sales.
• Coordinate due diligence processes, prepare data tapes, manage the closing of funding facilities, and provide comments on legal documentation.
• Build and maintain strong relationships with a diverse range of institutional investors (e.g. banks, asset managers, hedge funds).
• Prepare high-quality investor presentations, respond to complex information requests, and lead the logistical coordination of investor meetings and roadshows.
• Serve as a key point of contact for external stakeholders, such as rating agencies and legal advisors, during transactions.
• Develop and maintain sophisticated financial models to analyse portfolio performance, forecast cash flows, assess potential deal structures, and evaluate the impact on funding costs.
• Prepare regular performance reports for internal and external stakeholders, tracking key metrics, analysing trends, and ensuring strict adherence to contractual requirements.
• Monitor capital markets trends, competitor activity, and regulatory developments to identify opportunities and risks for Funding Circle's funding strategy.
• Act as a technical subject matter expert on current regulations, interpreting developments and communicating practical implications to investors.
• Build a strong internal network and work closely with internal teams including Finance, Risk, Legal, Product, and Data Science to ensure alignment on capital markets initiatives and drive strategic projects.
• Support and lead projects and analysis that align with broader lending objectives.
• Support team development initiatives to increase market and deal knowledge.

Requirements

• 3-5 years experience in structured finance at a rating agency, investment bank, fintech lender, asset manager or other relevant financial institution.
• Solid understanding of debt capital markets products and financing structures, particularly securitisation and warehouse facilities.
• Advanced Excel and proven experience in financial modelling and analysing large datasets.
• Excellent analytical and quantitative skills with a meticulous attention to detail.
• Strong communication and interpersonal skills, with the ability to articulate complex financial concepts clearly and concisely to diverse audiences.
• Highly organised with strong project management capabilities, able to manage multiple priorities in a fast-paced, dynamic environment.

Skills

• Structured finance
• Securitisation
• Credit facilities
• Loan sales
• Financial modelling
• Data analysis
• Project management
• Communication
• Interpersonal skills

Location

• London

Work Type

• Hybrid
• 3 days in the office

Experience Level

• 3-5 years

Education Level

• Bachelor's degree in Finance, Economics, Business, STEM, or a related field

Salary/Compensations

• Competitive Salary

Benefits

• Benefit allowance tailored to individual needs
• Private medical and dental insurance
• Health assessments
• Access to a digital GP
• Life assurance
• Share schemes
• Financial coaching
• Dedicated annual learning allowance
• Electric car scheme
• Cycle-to-work scheme
• Season ticket loans
• Award-winning parental leave policies
• Support for fertility treatments
• Support for new additions to the family
• Barista coffee
• Subsidised Just Eat lunches

About the Company

• We’re on a mission to back the UK’s small businesses like no one else.
• Small businesses are the backbone of the economy, and we’re here to help them win.
• We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.
• At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company.
• It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.
• We’re a high-performing team that chooses to lift each other up.
• We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.
• The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy.
• Come and join a mission that matters!

Equal Opportunity

• We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.