Graduate Credit Analyst
Graduate Credit Analyst
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Job Description
Were looking for a Graduate Credit Analyst
Were growing fast and more customers means more credit decisions. Our credit team of 50 analysts is expanding and were looking for analysts to assess our customers in a fast fair and accurate way.
About us
Fast flexible finance empowers small businesses to manage their cash flow better and seize opportunities making their business and the economy stronger as a whole. At iwoca we do just that. We help businesses get the funds they need when they need it often within minutes.
Weve already made several billion in funding available to over 100000 businesses since we launched in 2012 and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. Well get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cuttingedge technology data science and a 5star customer service.
Our culture
Were expanding fast across our offices in London Leeds and Frankfurt. With all this growth were looking for people who want to learn on the job and lead projects knowing that your ideas will impact thousands of small businesses.
The role
Our team of Credit Analysts are responsible for making lending decisions for each of the UKs SME businesses that approach iwoca.
Your mission:
Reviewing credit data financial statements and other data sources to assess the level of risk involved in lending.
Conducting thorough due diligence to ensure affordability of credit in line with internal policies.
Understanding and accurately capturing the specific revenue and risk drivers for SMEs.
Being responsible for and trusted to make lending decisions.
Supporting and improving our underwriting framework through consistent high quality lending decisions to enable us to make better faster and fairer decisions
Communicating effectively with our Account Management teams to ensure customer needs are met.
Requirements
We look for people who are smart humble motivated and who are always looking to improve.
Ideally youll have:
A bachelors or masters degree from which youll be graduating in 2025.
A good understanding of how businesses operate including their main risk and revenue drivers
The ability to interpret financial statements to evaluate business performance.
An analytical mindset with a practical approach to problem solving
Excellent communication skills. You will be in direct contact with applicants via phone and email to better understand their business.
A motivated and enthusiastic attitude that works well in a regularly changing and fastpaced environment.
This is a hybrid role requiring 3 days in the office per week.
Our benefits
We put a lot of effort into making iwoca a brilliant place to work:
Offices in London Leeds and Frankfurt.
Events and clubs like bingo comedy nights yoga classes football
Two company retreats a year weve been to France Italy Spain and further afield
Plenty of drinks and snacks in our offices.
We offer a wide range of benefits:
Medical insurance from Vitality including discounted gym membership
25 days holiday an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave
Instant access to emotional and mental health support with our partner Spill
Share options
Generous maternity and paternity leave
A nursery tax benefit scheme to help you
Paid volunteering day to support your chosen charity
Extra leave if you want to travel or study
Onemonth fully paid sabbatical after 4 years
Cycletowork scheme
Electric car scheme
And to make sure we all keep learning we offer:
An L&D budget for everyone including a book budget
Companywide talks with internal and external speakers
Access to learning platforms like Treehouse if you want to learn to code
For more information:
iwoca benefits & policies: coda/d/iwocabenefitspolicies
Required Experience:
IC
Employment Type
Full-Time
