Description
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 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 – 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 work 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
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