Associate, Capital Markets

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!

[Read our Impact Report] | [See our Trustpilot]

📍 London (Hybrid) | 🤝 3 days in the office | 💰 Competitive Salary + Benefits

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.

• Lead the transaction execution process for various capital markets transactions, including securitisations (e.g., SBOLT), credit facilities, and loan sales. Coordinating due diligence processes, preparing data tapes, managing the closing of funding facilities and managing and providing comments on legal documentation

• Assist in building and maintaining strong relationships with a diverse range of institutional investors (e.g. banks, asset managers, hedge funds), including preparing high-quality investor presentations, responding to complex information requests, and leading 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, and support team development initiatives to increase market and deal knowledge

We value deep expertise, but a growth mindset and good energy are what really make our team click. We’re a group that chooses to lift each other up and think smart every day.

• 3-5 years experience in structured finance at a rating agency, investment bank, fintech lender, asset manager or other relevant financial institution

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

• 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

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.

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! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!

Our Circler Proposition focuses on five areas:

• Flexibility: We provide a benefit allowance you can tailor to your own life and family.

• Health: This includes private medical and dental, health assessments, and access to a digital GP.

• Wealth: We offer life assurance, share schemes, and financial coaching.

• Development: You get a dedicated annual learning allowance to help you level up.

• Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.

We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.