We’re looking for a Graduate Credit Analyst
We’ continue to grow, and more customers means more credit decisions. Our credit team of 50 analysts is expanding and we’re looking for analysts to assess our customers in a fast, fair and accurate way.
About us
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
Our culture
We’re expanding fast across our offices in London, Leeds, Frankfurt and Berlin. With all this growth, we’re 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 UK’s 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, you'll have:
A UK bachelors or masters degree from which you’ll be graduating in 2026
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 fast-paced 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, Frankfurt and Berlin.
Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
Two company retreats a year, we’ve 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 save money
Paid volunteering day to support your chosen charity
Extra leave if you want to travel or study
One-month fully paid sabbatical after 4 years
Cycle-to-work scheme
Electric car scheme
And to make sure we all keep learning, we offer:
An L&D budget for everyone, including a book budget
Company-wide 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.io/d/iwoca-benefits-policies
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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.
