Who are we?
We want to help small businesses win. That’s why we’re here.
We connect small business owners to investors – to create jobs, help families and power economies – because we believe that people are made to do more. And we want to help them get the finance they need to thrive, creating thousands of jobs as they drive the economy forward.
So, we created the leading online marketplace for small business loans. Our investors have lent £15.2 billion to 135,000 small business owners. In 2022, lending through Funding Circle’s UK platform helped generate £6.9 billion in GDP while creating and sustaining 106,000 jobs. There’s never been a better time to join!
Be part of the team that changes everything. Let’s build the place where small businesses can get the funding they need to win and leave a legacy behind, forever.
The team
Our Underwriting Team helps small businesses raise funding by assessing the creditworthiness of each borrower to give them access to our fast and flexible loans.
The Underwriter role will expose you to a fast-paced, high performance lending culture and expand your skill set for a successful career in risk management. Up for a challenge?
What will you be doing?
- Analyse data (annual accounts, bank statements, credit reference agency data) to determine the degree of risk involved in extending credit to SME borrowers on a loan-by-loan basis
- Enhance the quality of loan decisions by integrating market, industry, and portfolio insights into your credit decision
- Further your knowledge of UK SMEs, incl. accounting practices, industry and financing standards, payment behaviour and relevant legal aspects to help us evaluating credit risk correctly
- Provide a best-in-class experience for our borrowers by reviewing all loan applications efficiently and in accordance with our internal quality standards
- Contribute to the ongoing development of systems, processes and business practices by sharing recommendations to improve efficiency and capacity
- Advise and guide colleagues to ensure that commercial opportunities are maximised without compromising Funding Circle’s risk management
Are you?
- An inquisitive mind-set, openness to change, willingness to challenge the status quo and a great work ethic
- Experience in credit analysis (Ideally SME lending).
- Strong analytical, decision-making, and communication skills
- A firm understanding of UK accounting standards
Did you know?
Research shows that some people are less likely to apply to jobs unless they meet every single criteria. At Funding Circle we are committed to building diverse teams so please apply even if your past experience doesn’t align perfectly with the requirements. You might just be the perfect fit!
Why join us?
Talk to our recruiters about our workplace, culture and benefits. We have designed our offering around; Health, Wealth, Lifestyle & Development!
A few highlights are:
- Hybrid working environment (2 days a week in office), flexible working options with an amazing office and we will help support your home working set up
- Private Medical Insurance and Dental Insurance
- Learning allowance AND other perks such as Gympass, Spill, Just Eat allowance, Electric Car Scheme and more!
- Access to Octopus Money Coach, Free Mortgage advisor partnership and discounts across numerous retailers through Perks at Work.
Want to Build The Incredible? We’d love to hear from you.
