Credit Strategy Analyst

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

This role sits in the Credit Risk team who are hugely influential to our overall lending process. They look at measuring our risk, optimising our credit risk funnel and forecasting the performance of our loan portfolios. To do this, they work with the credit risk modelling, engineering, data management, capital markets and business operations teams to truly understand our objectives and shape analytical solutions.

Focusing on our Credit Risk lending capabilities, you’ll be given the opportunity to think outside the box and come up with a wide range of suggestions and ideas to optimise our ability to lend to small businesses, while also delivering strong returns for our investors.

• Primarily responsible for monitoring our Credit Strategy to identify useful trends and opportunities to optimise our 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 optimising credit risk strategies and business processes

• Collaborate with experts from different functions, particularly Engineering and Operations, to ensure daily running of our lending business and to implement any Credit Strategy changes

• A degree in a highly numerical discipline (e.g., Mathematics, Statistics, Engineering, Computer Science, or Physical Sciences)

• Open to entry-level candidates and recent graduates. Prior internship or work experience in credit risk, portfolio analytics, or banking is a strong plus, but not required.

• 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.

• Able to take ownership of redesigning departmental workflows, using AI to automate complex tasks and drive operational efficiency

• Competently able to Identify high-impact AI use cases and implement advanced prompting techniques to solve multi-layered business challenges

• Prior exposure to credit risk analytics or banking (retail, corporate, or investment) is advantageous but not required.

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.