Credit Analyst Opportunities
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.
We’re growing our Credit Analyst team in London, Frankfurt, and Berlin. Whether you're a seasoned professional or just starting your credit analysis journey, we have opportunities for you to grow and succeed.
Here's what you'll be doing:
Making crucial decisions: You'll be assessing credit applications, using your expertise, our cutting-edge technology, and a wealth of data to make fast, fair, and accurate lending decisions.
Taking ownership: You'll have the autonomy to make your own calls, with increasing responsibility as you deepen your understanding of our systems and processes.
Collaborating: You'll work alongside our experienced credit teams, supporting colleagues on complex cases and contributing to a smooth and efficient workflow.
Driving innovation: You'll partner with our analytics teams to continuously refine our lending strategies, ensuring our approach remains data-driven and best-in-class.
What we're looking for:
We look for people that are smart, humble, motivated and who are always looking to improve. Ideally, you’ll have:
Relevant experience: Experience in commercial loan underwriting, credit sanctioning, or credit analysis within the SME sector and ideally in the UK or Germany.
A keen business mind: A strong understanding of the factors that drive business success and the risks associated with lending.
Financial acumen: The ability to analyze financial statements with confidence and interpret them effectively.
A proactive mindset: You thrive in a fast-paced environment, are adaptable, and always looking for ways to improve.
Excellent communication skills: You can articulate your thoughts clearly and concisely, both written and verbally, and build strong relationships with both customers and colleagues.
You must have C1/C2 German language skills to be considered for this role.
Whilst we welcome applications from all qualified candidates, please note that this particular position does not offer visa sponsorship. Candidates must be eligible to work in the UK or Germany independently.
The culture
At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of our team members.
We value thought and skill diversity and encourage you to explore new areas of interest to help us innovate and improve our products and services.
Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally.
Visa sponsorship
Whilst we welcome applications from all qualified candidates, please note that for this particular position we cannot offer visa sponsorship. Candidates should be eligible to work in the UK independently.
Some of our benefits
Share options so you can share in our success.
Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.
A learning and development budget for everyone.
Health & Mental health support via our partners
Paid sabbaticals
Top Skills
What We Do
iwoca was founded to expand possibilities for small businesses.
At iwoca, we believe finance should feel like a superpower, not a headache. That’s why our founders, Chris and James, decided to create a solution custom-built for small businesses. One that strips out the hassle, gets to know what each business needs, and looks for opportunities rather than problems. One that provides access to finance where and when your business needs it.
Our partner integrations and our Lending API mean we can provide access to finance where and when small businesses need it. Our award winning credit risk engine help us make faster, more accurate credit decisions built around the performance of the business.
We are proud to be NACFB Lender of the year, Xero Financial Services App of the year and, most recently, winner of the £10m Banking Competition Remedies grant.
Since 2012, we’ve made funding available to over 50,000 businesses, from cafés to car dealers, salons to solicitors. But we’ve only just started. Our mission is to fund one million small businesses.
