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About the Role
This role sits within the Credit Risk team, focusing on measuring risk, optimizing the credit risk funnel, and forecasting loan portfolio performance. You will collaborate with various teams to understand objectives and shape analytical solutions, with an opportunity to optimize lending capabilities and deliver strong investor returns.
Responsibilities
- Primarily responsible for monitoring Credit Strategy to identify useful trends and opportunities to optimize lending strategy.
- Involved with all aspects of credit strategy analytics, from loss rate forecasting to segmentation analysis.
- Guiding business decisions by carrying out ad hoc analysis, providing credit risk insights and recommendations for optimizing credit risk strategies and business processes.
- Collaborate with experts from different functions, particularly Engineering and Operations, to ensure daily running of the lending business and to implement Credit Strategy changes.
- Take ownership of redesigning departmental workflows.
- Use AI to automate complex tasks and drive operational efficiency.
- Identify high-impact AI use cases.
- Implement advanced prompting techniques to solve multi-layered business challenges.
Requirements
- A degree in a highly numerical discipline (e.g., Mathematics, Statistics, Engineering, Computer Science, or Physical Sciences).
- Ability to guide decisions through data—from defining the underlying business question to analyzing datasets and communicating actionable recommendations.
- Excellent communication skills, particularly with regards to translating data analyses and numbers into actionable insights tailored to the audience.
- Intermediate-to-advanced Excel skills.
- Practical coding proficiency in at least one analytical language (SQL, Python, or R).
- Candidates with SAS experience or demonstrated aptitude to learn new languages quickly are also considered.
- Curious and eager to learn, and comfortable working independently on solving open-ended problems.
- Prior exposure to credit risk analytics or banking (retail, corporate, or investment) is advantageous but not required.
Skills
- Credit Risk
- Portfolio Analytics
- Banking
- Excel
- SQL
- Python
- R
- SAS
- AI
- Prompting Techniques
Location
- London
Work Type
- Hybrid
- 3 days in the office
Experience Level
- Entry-level
- Recent graduates
Education Level
- Degree in a highly numerical discipline
Salary/Compensations
- Competitive Salary
Benefits
- Benefit allowance tailored to individual life and family.
- Private medical and dental.
- 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!
- We’re building a place where everyone truly feels they belong.
- We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026!
Equal Opportunity
- Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.