iwoca.co.uk - Credit Analyst

London, United Kingdom, Hybrid£45k/year+ Equity2mo ago

Requirements

• Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use. • We look for people who are smart, humble, motivated and who are always looking to improve. • Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany • Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application • Strong German language skills at C2 or native level is a must • The ability to interpret & analyse financial statements • A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment • Excellent communication skills in business English and German. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives • An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency • Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience. • Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home. • We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.

Benefits

• Upload your resume here to autofill key application fields. • Drop your resume here! • Parsing your resume. Autofilling key fields... • What's your phone number? • or drag and drop here • For some interviews, we use an automated transcription tool to support accurate note-taking and objective evaluation. If we do, transcripts are stored securely in our applicant tracking system in line with our Candidate Privacy Notice. • Yes, I'm happy for interviews to be transcribed • No, I'd prefer not to be transcribed • We’d like to understand why you’re exploring new opportunities. Whether it’s a lack of growth, feeling undervalued, needing a new challenge or a change outside your control, like redundancy. We want to understand your needs and what matters to you. • Select the option that best reflects where you are right now. • I haven't used AI tools in any meaningful way yet • I use AI tools occasionally – mainly for specific tasks like writing or research • AI is a regular part of how I work – across multiple tasks, most days • I use AI at a deeper level – custom prompts, multi-step workflows, or building with APIs and agents • Professional, academic, or personal – all count. Tell us what the problem was, what you used or built, and what happened. If you're yet to try anything, tell us what you're curious about or planning to explore.If you've covered something relevant in your CV, feel free to reference it and add any context that didn't fit there. • I prefer not to answer • Another Gender Identity • Person with disability • Refugee or immigrant • None of the above • Our data retention policy.When you apply for a job at iwoca we will retain your personal data (includes your CV, email correspondence, interview notes and application test scores) for a period of time so that, in the event of a legal claim, we can demonstrate that we did not discriminate against applicants on prohibited grounds and that we conducted the recruitment process in a fair and transparent manner.For candidates applying to our vacancies in the UK:If you are unsuccessful with your application we will keep hold of your data for 6 months. For more information on this, please see our UK candidate privacy notice.For candidates applying to our vacancies in Germany:If you are unsuccessful with your application we will keep hold of your data for 6 months. After this period, we will securely destroy your personal data in accordance with our DE Data Retention Policy.Optional : Consent to extended retention period:If you are happy to give us consent to do so, we would like to keep your data for up to 24 months so we can contact you should any future opportunities arise. Please tick the corresponding consent box below if you would like us to retain your data for that extended period. You can withdraw your consent at any time by contacting us via the details below.Help or queries:If you have any questions about our privacy policies or the protection of your data please contact our data protection officers by email at [email protected] (UK) or [email protected] (Germany) • Our data retention policy. • For candidates applying to our vacancies in the UK: • 6 months • For candidates applying to our vacancies in Germany: • 6 months • Optional : Consent to extended retention period: • Help or queries: • Note: The consent period lasts for 2 years • Recruiting Privacy Policy