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Graduate Credit Analyst

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iwoca

Oct 30, 2023

Applications are closed

  • Job
    Full-time
    Entry Level
  • Banking & Finance
  • London

Requirements

  • We look for people who are smart, humble, motivated and who are always looking to improve.
  • Ideally, you’ll have:
  • 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

Responsibilities

  • 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 policy
  • Understanding and accurately capture the specific revenue and risk drivers for SMEs
  • Being responsible for and trusted to make lending decisions
  • Being involved in improving the decision making framework, through developments to our systems and processes
  • Collaborate closely with the Tech and Analytics team to improve systems and our scorecard to enable us to make better, faster and fairer decisions
  • Communicating effectively with our Onboarding and Account Management teams to ensure customer needs are met at all times
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iwoca

Technology
Industry
201-500
Employees
2011
Founded Year

Mission & Purpose

iwoca is a fintech company that specializes in providing flexible and accessible small business loans. They offer quick and convenient funding solutions to small and medium-sized enterprises (SMEs) in the United Kingdom and Europe. iwoca's ultimate mission is to empower entrepreneurs and small business owners by providing them with the financial support they need to grow and succeed. Their purpose is to fill the funding gap that traditional banks often overlook, offering accessible and transparent lending options that cater to the specific needs of SMEs. By leveraging technology and data-driven assessments, iwoca aims to simplify the loan application process, make funding more accessible, and support the growth of small businesses, ultimately driving economic prosperity and fostering entrepreneurial success.

Culture & Values

  • Motivated

    Going to work shouldn't feel like a slog, so we want everyone in the team to personally care about what they're working on. We stay motivated by celebrating our wins, learning from our mistakes, and always looking for new gaps to step into.

  • Smart

    At iwoca being smart isn't about what you know, it's about how you think. Smart thinking means looking at each problem by asking ‘why’ first, then figuring out ‘how’.

  • Humble

    We know all ideas are flawed, all code has bugs, and everyone makes mistakes: it’s how we learn. For us, being humble means you question yourself first, rather than your team.

  • Growth Mindset

    We think there's always a better way to solve a problem. So we never let ourselves get comfortable with being good enough.

Benefits

  • Work where you work best

    Twice a year we rent houses in places like Sicily and the French Alps where each team can work together for a week poolside. We champion flexible working in all our teams.

  • Invest in iwoca

    We want people to be invested in iwoca's success so after six months you'll be awarded share options.

  • Keep yourself healthy

    We offer comprehensive health insurance and cash plans. You'll also get gym discounts and we host yoga classes in the office every week.

  • Start (and end) your day right

    Each floor of iwoca HQ has a fully stocked fridge for breakfast and every Friday we unwind with beers and wine.

  • Life-work balance

    We know your life outside of work comes first. We offer enhanced maternity and paternity leave for new parents plus a nursery benefit. We also have unlimited unpaid leave.

  • Learning and development

    Whether you want to learn to code, experiment with motion design, or beat cognitive biases you'll have time and budget to invest in your professional development.