123 Risk jobs

Do you have the drive to delve into data every day? Are you keen on crunching numbers and are interested in statistics? Can you inspire and nurture others? Our Credit Risk and Analytics team is growing, and we need a highly motivated data genius to join us!   As a Credit Risk Manager you will help to support the team in managing the risk systems and interfaces. Accuracy of data and the generation of automatic reports is a huge part of this role, as is development of the credit risk systems and infrastructures. This role is key in helping to grow Metro Bank and support our internal and external customers! So what would you be doing?...   • Managing the risk systems and infrastructure, with responsibility for the accuracy of the data and the generation of automatic reports • Analysing and processing large volumes of data  • Performing reconciliation and validation routines across all deliverables • Submitting and analyse retrospective bureau data • Creating the risk data structure used for modelling, validation and reporting • Generating automatic risk reports for different committees, using SAS or SQL • Working closely with leaders on the development and roll out of new products and services • Building relationships with key stakeholders across the bank You need to be this kind of person…   • Passionate about providing unparalleled levels of service and convenience for customers • Prepared to stick at something - we get nervous if someone has jumped from job to job • Able to work and learn quickly in a fast paced, fun and dynamic environment   And whilst we always aim to train for skill where possible, on this occasion we are looking for someone who is already able to do all these wonderful things…   • You will be confident using SAS/ SQL, as well as Microsoft Office • Knowledge of Credit Risk and Risk Analytics techniques is desirable • Expert knowledge of programming techniques to enhance automation in reporting • Knowledge of FICO Blaze and Java is also desirable

Are you an analytical guru in the world of analytics and infrastructure? A technical genius when it comes to all things SAS and SQL?  Do you want to be part of an amazing Credit Risk team who are revolutionising British Banking? If this sounds like you, read on to find out more… As a Credit Risk Analytics and Infrastructure Lead Analyst you will use your expertise to develop new and innovative analytical techniques to support Metro Bank’s amazing growth!   So what would you be doing?...   • Analysing, reconciling and validating data • Processing and developing programs using SAS/SQL, Excel and Access • Providing analytical insights and strategic recommendations during the full Credit Risk lifecycle • Supporting all of Metro Bank by providing accurate analysis and projections • Performing analysis to support the wider Credit Risk strategy, policy, model and development • Supporting the development of new products and services, making sure that what we offer continues to help our amazing customers make the right decisions • Developing and monitoring Credit Risk Scorecards as well as other models   You need to be this kind of person…   • Passionate about providing unparalleled levels of service and convenience for customers • Prepared to stick at something – we get nervous if someone has jumped from job to job • Able to work and learn quickly in a fast paced, fun and dynamic environment And whilst we always aim to train for skill where possible, on this occasion we are looking for someone who is already able to do all these wonderful things...   • Experience of working as Credit Risk Analyst within a Professional or Financial Services environment • Extensive experience with SAS and SQL • Ability to analyse, extract and manipulate data using programming techniques  • Experience of managing multiple projects and deliverables at any one time

Want to work for one of the UK’s hottest FinTech companies? MarketInvoice is shaking up the world of business finance. We help ambitious companies grow by providing funding when they need it most, instead of waiting up to 90 days for their customers to pay invoices. We've funded against over £1 billion worth of invoices, helping thousands of businesses across the country to achieve their goals. Our platform provides a slick user experience and integrates with all the leading accounting software packages, so it's never been easier for businesses to take control of their cash flow. At MarketInvoice you’ll be solving real life business problems, working with a team of smart and dedicated people. It’s a fast paced environment but it's also a lot of fun, and we’ll give you the support and training you need to thrive. As the company grows, your role will too. THE ROLE We do not currently have any Credit Risk Analyst roles available, however you can still express your interest in future vacancies by applying as normal. When a position becomes available we will review your application and get in touch to discuss the position in more detail.   You’ll join the Risk team and be in charge of assessing credit and fraud risk, structuring funding deals and constantly improving and updating the risk processes and policies. Our default rate is much lower than the industry average and the Risk team has played an essential role in achieving this. Our Risk team sits at the heart of the business, helping to develop new products, meet the needs of our customers, and develop world-leading risk-based pricing models. On a day-to-day basis you’ll be assessing the credit and default risk of companies applying for funding and you will be deciding on credit limits and loan-to-value ratios. You will work closely with the Sales team in structuring deals that are attractive to customers, while keeping a low level of risk. You will also collaborate with other departments, including Operations, Investor Relations and Legal.   WHAT YOU'LL DO Assess the credit and fraud risk of companies applying for funding Decide whether to accept or reject an application, as well as the credit limit and the loan to value ratio Ensure that the probability of default is reduced via verification with our clients’ customers Liaise with the Sales team to structure complex deals, with the Operations team to advise on how to allocate payments and the Investor team to provide extra information or updates regarding certain transactions Increase the efficiency and accuracy of our processes through automation and assist in drafting the risk policies Requirements ABOUT YOU You have relevant professional experience in credit underwriting or financial analysis You’re analytical, with strong financial acumen, have excellent attention to detail and you’re able to work under pressure You’re independent, well organized and with a “can do” attitude You work hard and are passionate about achieving great results You pitch-in and aren’t afraid to get your hands dirty You are data driven, and get things done You’re excited by the challenge of revolutionising business finance Benefits Not only will you have the opportunity to make a huge impact at one of the UK's hottest FinTech companies, you will also have access to: Best in class share options scheme. Innovation days. Enhanced maternity leave. Childcare vouchers. Amazon Kindle and book allowance. Clear career progression. Private health coverage and half price Virgin Active gym membership. Mentoring from industry leaders. The opportunity to progress your career at one of the UK’s hottest FinTech companies. 25 days of annual leave per year, plus your Birthday off. A great office (complete with roof terrace, ping pong, table football and beer fridge) in the heart of Shoreditch

Do you consider yourself a person with analytical capacity, rigorous and methodical? Do you want to work in a changing environment and in a project with great potential for growth? We are looking for a Risk Analyst specialized in credit analysis for companies (SMEs) with proven experience in financial institutions. He will be part of the credit team in dependence of the Senior Credit Analyst, analyzing financing operations requested by Spanish SMEs and making recommendation reports for the Risk Committee. Responsibilities: Analysis of credit opportunities based on information obtained from public and private sources or facilitated by clients, as well as knowledge of the sector by the analyst. Interlocution with internal clients (commercial department and risk committee). Interlocution with external clients (SMEs or financial intermediaries) to clarify possible doubts or clarifications that arose from their analysis. Preparation of reports (investment proposals) for the subsequent sanction of the Investment Committee. Essential requirements: Graduated in Business Administration or exact sciences with postgraduate in economic / financial area. Minimum of 3+ years of experience as a Risk Analyst in loans to SMEs in Financial Institutions. Prior commercial experience of financing products will be positively valued. Solid analytical skills. Teamplayer and good communication skills. Desired competencies: High level of interlocution. Listening ability. Analysis capacity.

DESCRIPTION Lendinvest has an exciting opportunity for an experienced Buy-to-let (BTL) Underwriter to join the expanding Lending Operations Team. Working in a dynamic and fast paced environment you will be lucky enough to be involved with the launch our new BTL product. This is a new role within a new team and you will be responsible for the underwriting of BTL loans from enquiry stage through to completion. You will be required to demonstrate a good understanding and experience of assessing credit risk on borrower applications, valuations and legals whilst taking a balanced view on the risk return for the business. You will be responsible for rationalising your decisions and assisting with making commercial decisions to ensure cases complete quickly whilst following the Lendinvest Lending Policy and providing positive outcomes for the customer. This role would suit someone who is used to working under pressure, is proactive and has a positive “can do attitude”. You should interact well with the rest of the team to ensure that both your own and the team’s SLA’s are achieved. Key responsibilities and tasks Demonstrate an excellent knowledge of Lendinvest Lending and the Financial Crime Policies Deal with initial broker/BDM leads according to the defined SLA Deal with initial case assessments according to the defined SLA Full case approval/underwriting according to SLA including lending rationale that ensures lending decision is clear without recourse to the underwriter Deal with other ad hoc tasks to ensure swift processing of cases Liaise with borrowers/brokers throughout the process to ensure understanding and prompt responses Partner closely with solicitors and valuers in support of the Case Manager Ensure a high standard of service / communication when liaising with borrowers or brokers by telephone, email and letter Supporting and developing Case Manager skills and knowledge Other duties and projects that may be requested by the Underwriting Manager or HOC from time to time Requirements of the Role Resilient, confident and committed with the ability to engage and form strong relationships with key stakeholders (including BDM’s, Underwriting Manager, Lending Operations Manager, Case Managers, Compliance Dept & Servicing team and the Head of Credit. Ability to make quality lending judgements and articulate them fully. Demonstrate a good understanding of: Credit Referencing Agency reports (personal and commercial) KYC/AML/financial crime regulation Application scoring CIFAS/SIRA Land Registry Reports RICS Valuations / AVMs Commercial, property and contract law Strong attention to detail with excellent numeracy and ability to identify risks at an early stage Capable and experienced of dealing with a high volume workflow and prioritising accordingly Strong understanding of Treating Customers Fairly (TCF) and Conduct Risk and ensuring both principles are key cultural aspects of how the job holder works CeMap qualified (Beneficial but not essential) Knowledge in short-term bridging lending a bonus Minimum 3 years working in a specialist lender Knowledge of regulated lending (MCOB) an advantage Previous mandate min £250,000 What you’ll get in return A relaxed open-plan working environment Matched pension contributions Discretionary share-option scheme 25 days holiday Enhance maternity/paternity pay Company Childcare Vouchers Company eye tests Subsidised gym membership via PerkBox Various other discounts/benefits via PerkBox Open bar from 5.30pm (4pm on Fridays) Cooked lunch on Friday's from a local restaurant A selection of breakfast cereals and fresh fruits and snacks are available each day A MacBook or similar and everything else you need to do your job

Join the financial revolution! Are you passionate about finance and want to make a real change? Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team work and persistence. We have a lot of work to do – and we want you to join us! Your Role Regular enterprise wide risk monitoring and assessment of quantitative and qualitative risks, development of risk controls and risk mitigating actions with a strong focus on establishing processes, controls and mitigants for operational risk management; Partnering with risk owners and business functions to understand drivers of key risk areas; Implement a risk appetite and risk bearing capacity system in accordance with the group risk strategy; Managing risk reporting for various stakeholders; Managing compliance with enterprise risk standards and procedures; Development and monitoring of Key Risk Indicators; Fostering collaboration and ownership towards risk owners; Development of risk controls based on quantitative and qualitative analytics; Understanding of emerging risks / trends; Leading and improving the Risk Triage Team; Managing Kreditechs Policy Framework and Risk Architecture; Improving Kreditech´s Internal Control System; Performing internal audits and ensuring proper mitigation of risks; Acting as the first point of contact for all employees worldwide regarding risk management; Workshops on group level for employees and board members to enhance risk awareness; Support the implementation of the group governance structure in line with the principle of „3 Lines of Defense“; Report directly to the SVP Risk Management and closely collaborate with the core first- and second-line of defense functions as well as the group risk and compliance committee. Your Strengths Bachelor Business / Finance, MBA preferred; 10 yrs+ corporate experience, 5yrs+ in enterprise risk management; Sound experience in enterprise risk management, internal audits, corporate governance and compliance; Strong experience in managing operational risk is a big plus; Deep knowledge of the financial services and consumer lending space is a must, understanding of the subprime- and / or nearprime space highly desirable; ISO 31000  is a must; Ability to orchestrate risks for all risk classes; Solid know-how of international regulations; Experience with ERM tools is a plus; Experience in development and implementation of business continuity a big plus; Ability to train and motivate people; Experience with Tableau is a plus; Strong ability to influence risk owners; Bias towards successful risk mitigation; ISMS knowledge is a plus.

Join the financial revolution! Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team-work and persistence. We have a lot of work to do – and we want you to join us!   Your Role Monitor the Credit Risk performance of consumer loans products/portfolios. Conduct periodic reviews to assess businesses and provide an ongoing assessment of credit quality of the portfolio and product strategies; Enhance and improve the Credit Risk appetite framework, policies and strategies using statistical techniques to optimize business growth and profits by minimizing the credit losses; Lead tactical and strategic Credit Risk Analytics projects for the Business Intelligence and Underwriting department; Independently manage development and implementation of effective credit-risk monitoring and management strategies that help mitigate credit losses; Act as a primary Interface with the Senior Credit Risk Controller in the Finance department; Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes; Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies; Effectively provide updates and communicate key initiatives to the Chief Data Officer who is in charge of credit risk management; Analyze tests and performance using SQL and decision trees; Evaluate the effectiveness of current policies and strategies.   Your Strengths You hold a Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics; You  can develop and communicate analysis clearly; You have a good understanding of the Credit life cycle and Collections/Recoveries; You have hands-on expertise in developing data-sets to produce credit risk indicators (e.g., delinquency performance by vintages, loss forecast by portfolio or account-level); You have the ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities; You have strong analytical skills in conducting sophisticated analysis using customer performance data, credit bureau/vendor data, and marketing data to solve business problems; You have good programming skills in advanced R or Tableau and SQL in mainframe, UNIX and PC environments.

DESCRIPTION Who are we? At iwoca, we are reinventing business finance: our mission is to help small businesses grow by offering them fast, flexible access to finance. Traditionally, banks have neglected Europe’s 20M+ SMEs because their processes were too slow, rigid and costly to serve them effectively. By using cutting-edge technology and harnessing more data, iwoca is developing new ways to provide fast and flexible access to credit and enabling our customers to flourish. Since our launch in 2012 we've lent over £250m to 12,000 SMEs across Europe, from “one man bands” to multi-million pound businesses. Along the way we have built a leading technology platform, won numerous awards and grown a fun and vibrant team. Over the next decade we aim to provide financing to 1 million small businesses. The role Data is central to everything we do: it drives our risk engine, enables us to develop cutting-edge UX and provides the insights we need to continuously become a better company. Our Analytics team develops cutting edge algorithms using statistical modelling and machine learning techniques; Python (Pandas, NumPy and SciPy) is our language of choice to deliver data-driven solutions. Working in a relaxed, collaborative and flexible environment, we give everyone the opportunity to make a significant contribution to the business. You will be expected to derive meaningful and actionable insights from our data as well as develop the innovative technologies behind our platform. Whilst anchored in the Technology & Analytics team, the Business Analyst (BA) role sits at the crossroads between data & risk analytics and business operations. You’ll be responsible for facilitating collaboration between both teams, working across a range of diverse projects, some strategic and others more tactical (the balance will be shaped over time). For example, you could be analysing data to provide actionable insights to our operational teams, working on the next iteration of our scorecard and risk engine, and managing the technical aspects of a product integration with a commercial partner. REQUIREMENTS What we’re looking for: Top-notch degree at a leading university in a highly quantitative subject (Mathematics, Physics, Computer Science, Economics, Finance or Engineering) Strong working knowledge of Python/Pandas (preferable) or R, Matlab Experience in practical data processing, data visualization & information retrieval Someone who is organised and proactive, possessing great communication skills and a keen to interact with various teams within iwoca. You’ll have to manage stakeholders (understanding requirements, providing timely updates on progress and explanations for any changes to the roadmap, etc.) and be able to effectively facilitate collaboration amongst various teams (Tech & Analytics, country operations teams, Marketing, etc.) Proven ability to take ownership, work with stakeholders to properly understand problems or challenges, and develop the best solutions Comfortable challenging the status quo, able to extract clarity from ambiguity A good command of German is essential - you must be able to comfortably communicate in German Smart, humble and motivated Keen to push yourself and develop your own skills, while also contributing towards iwoca’s growth and success! BENEFITS What we offer! You will always have a say in the business and have the opportunity to really make a difference. You’ll be building your own skills, and at the same time you’ll be helping iwoca to more effectively serve our customers and help them to grow. We offer a range of benefits to our employees, such as: A fantastic, spacious office in central London (Oxford Circus) Tickets to relevant tech conferences across Europe Pool, Ping Pong, Foosball tables and morning yoga Plenty of drinks and snacks (both healthy and less so) Subsidised gym membership and restaurant discounts Cycle2Work scheme for great value bikes Various sports teams including football, running and climbing Flexible working hours 25 days of paid holiday, plus UK public holidays, and an extra day for your birthday! Awesome winter and summer retreats for you to work from

DESCRIPTION Who are we? At iwoca, we are reinventing business finance: our mission is to help small businesses grow by offering them fast, flexible access to finance. Traditionally, banks have neglected Europe’s 20M+ SMEs because their processes were too slow, rigid and costly to serve them effectively. By using cutting-edge technology and harnessing more data, iwoca is developing new ways to provide fast and flexible access to credit and enabling our customers to flourish.   Since our launch in 2012 we've lent over £250m to 12,000 SMEs across Europe, from “one man bands” to multi-million pound businesses. Along the way we have built a leading technology platform, won numerous awards and grown a fun and vibrant team. Over the next decade we aim to provide financing to 1 million small businesses.As a Data & Risk Engineer at iwoca you will be a crucial member of a team responsible for developing a bespoke lending platform that has recently been accredited as being far more advanced than any other product on the market. We have ambitious plans to transform the face of SME lending and we have already made waves in the industry.   Our Data & Risk Engineer develop cutting edge algorithms using statistical modelling and machine learning techniques. Using Python (Pandas, NumPy and SciPy) they work in a fast paced and dynamic environment to produce data driven solutions. Our Tech & Analytics team works in a relaxed, collaborative and flexible environment, where everyone has the opportunity to make a significant contribution to the business. As an iwocan, you will be expected to derive meaningful and actionable insights from our data as well as develop the innovative technologies behind our platform.   We are looking for Engineer who loves to code and get their hands dirty with raw data. It doesn't really matter whether people call you an Engineer, Physicist or Mathematician, what matters to us is that you are a curious and continuous learner with a hunger to achieve the very best in what you do.   About us: We are a team of with a real love for mathematical and statistical modelling We all play a significant role in specifying the problem and thinking through all possible solutions Our development cycle is tight with Agile-ish processes that means features or projects go live in days or weeks rather than months or years We are an eclectic bunch of Musicians, Rowers, Climbers, Skiers, Farmers and Cyclists REQUIREMENTS Strong numerate background, e.g Degree in Engineering, Mathematics, Physics or equivalent Must have a background in Probability & Statistics Programming experience: Python, Java, C/C++ or similar Self-starter with ability to work autonomously in an unstructured environment Demonstrable experience using machine learning techniques Strong basis in computer-science fundamentals Experience with Pandas, NumPy, SciPy, R, Matlab, and/or SQL. Understanding of web technologies Experience in scorecard building and credit / fraud models BENEFITS You will always have a say in the business and have the opportunity to really make a difference. We help all our employees become top performers and reward everyone in numerous different ways. Everyone at iwoca is smart, humble and motivated to do a good job so you are bound to love working here. We also offer the following: 25 days of paid holiday, plus UK public holidays, and an extra day +1 for your birthday Pool and Ping Pong tables Great development programmes (paid conferences around Europe) Plenty of space to chill out Plenty of drinks and snack (healthy and unhealthy) Subsidised gym membership and restaurant discounts in Soho Cycle2Work scheme for great value bikes Various sports teams including football and climbing A super smart team of really nice people Company retreats to great destinations Ability to work from home occasionally

DESCRIPTION Presentation INVIVOO INVIVOO is a "Full Stack" actor in financial information systems consulting. The creation of value for its clients and employees is at the heart of INVIVOO's strategy: it is based on technological expertise combined with broad "Asset" business skills on Flow Business activities, banks, asset-managers, brokers and insurance companies. | Mission Within the Front Office Transversal IT department (~ 40 IT and 7 BA), the cross-functional BA FO team works on P & L and risk referencing applications for Front Office, Risk Management, Middle Office and Finance teams The mission is to contribute to the rationalization of the P & L Risk chain on: - The design of the new centralized risk reporting workflow - Improved P & L explanations - Migration of trading books in the new FO / OPS / RISK position snapshot system   The main interlocutors are the operational teams MO, the FO, Risk management and the R & D teams In this context the main tasks identified are: - Monitor the evolution and integration in production of new components dedicated to the calculation of P & L / Risk - Manage the testing and deployment of the perimeter to these new components - Ensure communication between the various stakeholders of the project - Participate in the realization of the defined schedule in order to meet the requirements of the regulators  - Enrich the documentation on the deployment procedure - Propose solutions for the improvement of the existing procedure | Profile From an engineering school, university you have a 4/5 experience in object-oriented development (ideally Java) in the field of market finance. Dynamic, you know how to be autonomous. You possess editorial and relational skills, a sense of service, team spirit and a great ability to adapt.

We are seeking a Senior Credit Analyst to work with and report directly to the Head of Risk, to improve, support and grow our Credit Risk capabilities. As a Senior Credit Analyst you will be responsible for improving and executing our Credit Risk policy and procedures that will support our growth as a business.   Key Activities Underwrite working capital facilities made by Small and Medium sized enterprises within the UK. Conduct in-life monitoring of the Growth Street portfolio to proactively identify facilities that could be increased or spot facilities showing early signs of stress to be placed into our Watchlist process. Manage, in conjunction with our Relationship Management team, Borrowers which are under-performing (or non-performing) against agreed terms and require early intervention in order to avoid potential financial loss to Growth Street investors. Work on strategic improvements in our Underwriting and Monitoring processes to speed up decision time and implement automated decision systems using propriety data and external data sources Support and mentor less experienced members of the Credit function and Growth Street team. Requirements Previous Experience A relevant Bachelor’s degree (2:1 equivalent or better) At least 3 years experience of Credit analysis or Underwriting Strong financial analysis skills Good excel skills   Competencies & Traits We expect you to be… Detail orientated –  You will be detail focused, and have an understanding of how or why apparently minor movements (could) have an impact. Decision-maker  – You will have strong decision making skills recognised by stable, consistent and well thought out decisions which are supported by experience and data. Number driven  – You love numbers and data. You really love numbers. Seriously. Collaborative  – Managing risk is a team game. You will be confident in working across with numerous individuals and teams both internally and externally to ensure we are managing Credit Risk in line with agreed tolerances and governance framework. A good CV or highly relevant work experience alone are often not a good indicator of role- and culture-fit. You should see yourself in the above list of competencies/traits. During the interview stages, you will be tested systematically on each of them. Benefits Salary: Depending on experience + participation in the Company options scheme

Description   The Role       You will join Funding Circle Risk & Analytics team, where leading edge models and analytics are created to harness the power of data and enable scientifically optimised business decisions. Working across all our markets (currently UK, USA, Germany and Netherlands), you will collaborate with experts in predictive modelling, risk management, technology, data management, and marketing strategy to understand business needs and shape analytical solutions. Reporting to the Global Head of Decision Science, you will be responsible for designing, developing and implementing complex statistical models used for marketing targeting, credit underwriting, fraud prevention, collections and recoveries and customer experience design. You will ensure decision models are very reliable, through thorough validation and testing. You will adopt Funding Circle best practices and help shaping global quality standards. You will monitor model performance, identify issues and implement fixes. You will also collaborate with Data and Tech teams to maintain and improve the infrastructure for model development and implementation. You will research new data sources and new modelling techniques, helping Funding Circle identify next analytical innovations.   The Candidate *Typically 5-8 years’ experience in scorecard modelling / predictive analytics / machine learning gained in tech companies, retail banks or analytics consulting outfits Excellent quantitative skills, very strong strategic thinking Passionate about Funding Circle’s mission and values – agile, collaborative, great to work with Masters or Ph.D. in a quantitative field (Statistics, Mathematics, Data Science, Engineering etc.) Proficient with analytical tools like R, Python, SAS, Scala, Spark etc.

Description   The Role You will join Funding Circle Risk & Analytics team, where leading edge models and analytics are created to harness the power of data and enable scientifically optimised business decisions. You will collaborate with experts in predictive modelling, risk management, technology, data management, and marketing strategy to understand business needs and shape analytical solutions. Reporting to the global Head of Decision Science, you will be responsible for designing, developing and implementing complex statistical models used for marketing targeting, credit underwriting, fraud prevention, collections and recoveries and customer experience design. You will ensure decision models are very reliable, through thorough validation and testing. You will adopt Funding Circle best practices and help shaping global quality standards. You will monitor model performance, identify issues and implement fixes. You will also collaborate with Data and Tech teams to maintain and improve the infrastructure for model development and implementation. You will research new data sources and new modelling techniques, helping Funding Circle identify next analytical innovations. The Candidate *Typically 1-5 years’ experience in scorecard modelling / predictive analytics / machine learning gained in tech companies, retail banks or analytics consulting outfits Excellent quantitative and problem-solving skills using logical reasoning and analytical methods. Passionate about Funding Circle’s mission and values – agile, collaborative, great to work with Masters or Ph.D. in a quantitative field (Statistics, Mathematics, Data Science, Engineering etc.) Proficient with analytical tools like R, Python, Scala, Spark etc.

Description   At  Funding Circle  there’s a mission that drives everything we do. Around the world, we want to help small businesses get the finance they need to thrive, creating thousands of jobs as they drive the economy forward. With teams in London, San Francisco, Amsterdam and Berlin, we’re fusing finance and tech to create new opportunities for those who want to achieve more.    We're looking for a  Credit Risk Analyst  to join the team in London, in this role...  You will join Funding Circle Risk & Analytics team, where leading edge models and analytics are created to harness the power of data and enable scientifically optimised business decisions. You will collaborate with experts in risk management, technology, data management, capital markets, business operations to understand business objectives and shape analytical solutions. You will be responsible for ensuring that Funding Circle loan portfolio delivers strong performance: tracking loan originations and underwriting processes, monitoring portfolio growth and quality, forecasting credit losses and loans profitability, performing portfolio stress-testing, supporting effectiveness of collections and recoveries processes, etc. You will guide business decisions by carrying out ad hoc analysis, providing credit risk insights and recommendations for optimising credit risk strategies and business processes. About you: *Typically 1-5 years’ experience in credit risk analytics / portfolio analytics / collections analytics in a SME lending or retail lending environment within a bank or other lending institution Proven problem-solving skills using logical reasoning and analytical methods. Passionate about Funding Circle’s mission and values – agile, collaborative, great to work with Advanced knowledge of Excel, working knowledge of SQL or R (candidates with SAS experience and aptitude to quickly learn R / SQL will also be considered) Masters or Ph.D. in a quantitative field (Finance, Mathematics, Economics, Engineering etc.)

Description   The Role You will join Funding Circle Risk & Analytics team, where leading edge models and analytics are created to harness the power of data and enable scientifically optimised business decisions. Reporting to the Chief Risk Officer, you will be responsible for optimising credit risk strategies for new and existing SME borrowers through analytically advanced solutions. You will develop a deep understanding of our customers’ needs, of the market environment and of our processes to elaborate methods enabling growth of lending volumes whilst maintaining sustainable risk / reward dynamics You will collaborate with highly talented risk analysts, decision scientists and experts in marketing strategy, technology, data management, and business operations to deliver best-in-class customer experience You will ensure we operate under strong risk controls and deliver a portfolio risk profile in line with the company risk appetite The Candidate *Typically 5-10 years’ experience in credit risk analytics / customer analytics in SME lending or retail lending environment in a bank or other lending institution - with a minimum 2 years of direct experience in credit risk strategy optimisation Excellent quantitative and problem-solving skills using logical reasoning and analytical methods. Strong strategic thinking and ability to articulate complex problems into clear frameworks Passionate about Funding Circle’s mission and values – agile, collaborative, great to work with Advanced knowledge of Excel, working knowledge of SQL or R or SAS. Masters or Ph.D. in a quantitative field (Finance, Mathematics, Economics, Engineering etc.)

Company Description Founded in 2000, Fintech Finance Active designs solutions to improve performance in debt management and financial risk management: investment, prospective, exchange and guarantee.  We support the digital transformation of the financial services of companies, local authorities and financial institutions with more than 10,000 users on 5 continents.  Our continuously connected solutions to financial markets bring a unified and dynamic view of operations and simplify management. Resolutely user-oriented, they create agility and collaborative modes - hitherto unprecedented - in the conduct of financial performance.  Our mission: to provide exceptional information and a high level of support to financial teams to increase their operational and financial flexibility.  Key figures: € 19m turnover / € 300bn of positions followed / 150 employees / 1 R & D department in Paris.  Job Description Within our Belgian subsidiary, you join the consulting team based in Brussels as a  Consultant  .  A strategic point of entry, the consultant intervenes in the integration, management and loyalty of our Belgian clients in the public sector. You operate in a demanding environment where you will have to quickly grasp the stakes and operations of our clients.   Your main missions will be: - Guarantee the quality of customer data in our platforms: Realize and follow up the data updates of sensitive and / or complex customers in our platforms on time, Validate and verify the integrations carried out by the back office managers in charge of the customer account, request and follow the corrections if necessary. ·  Manage and retain a client portfolio: - Train our clients in the use of our interactive debt management solutions, by telephone, during additional visits to customers, and / or 2 to 4 times a year during collective training sessions (workshop or module) continuous support), - Guarantee personalized support for clients on the management of their interest rate risk: define the debt and / or redevelopment strategy, analyze bank offers on vanilla products and / or structured with the help of senior consultants and carry out audits of debt portfolios, - carry out proactive actions on the managed customer portfolio, such as making calls, visits, presenting audits, writing news notes, or preparing content for client events; · Participate in the development of Active Finance: Collaborate with internal teams (consultants, sales representatives, developer) to contribute to the development of our service offerings , Detect commercial opportunities on the sale of subscriptions, services or additional assistance: project to set up shared platforms, interfaces or need personal advice through our subsidiary Riskedge. Qualifications Graduate of a higher education in finance, economics or banking, you have a first successful professional experience on financial products and financial markets, ideally acquired in bank or the financial department of a company. Wanting to meet new challenges, you want to join and invest in a dynamic, international and growing Fintech.  Your knowledge of interest rate products and the functioning of the financial markets will facilitate your understanding of our business and will help you take more responsibility, especially in terms of customer relations. Knowledge of the functioning and stakes of the public sector in Belgium is a real plus for this position.  You have a fluency level in Flemish / Dutch and French, which allows you to write professional documents without difficulty (analysis, audit, etc.) and to maintain an excellent relationship with your clients during meetings or phone calls. A knowledge of German would be a plus.  A very good command of Excel, even VBA, is essential for this position.  Organized, rigorous, responsive, you like to meet new challenges and achieve your objectives on time. Curious and endowed with a very good sense of relationship, you flourish in the teamwork and show versatility. Additional Information Type of contract: open-ended contract Availability: as soon as possible Remuneration: by level of training and experience Place: Rue de la Presse, 4, Brussels (Belgium) Regular trips to Belgium and more punctually in Europe are to be expected (car permit required)

YOUR TASKS • Continuous analysis of credit exposures in the SME sector • Preparation of credit analyzes and voting on credit decisions for initial and subsequent loans • Co-ordination with sales and customers in the run-up to and after the credit award • Continuous performance tracking and follow-up analysis • Interaction with the partner bank, auditors, tax consultants, business consultants • Support for the optimization of internal credit •  Close cooperation with other departments, especially operations and IT   CONDITIONS • Studies of economics or a similar orientation, FH or similar degree on the classical career path in the field of lending • At least 5 years professional experience in the field of credit analysis for SMEs in Germany / alternatively or additionally from the area of ​​"Intensive Care" and / or factoring • Good knowledge of the characteristics of the asset class SME lending and extensive expertise in the lending business • German and English in spoken and written manner Our profile Creditshelf is Germany's first institutional credit market place. By creating a standardized offer and efficient online processing, creditshelf industrialises the allocation of SME loans. Our customers include medium-sized companies and (semi-) professional investors (B2B). Creditors are institutional investors such as family offices, alternative investment funds or companies with short-term liquidity surpluses. The credits are awarded through an auction. Equal Opportunity Creditshelf promotes equality of opportunity and strives as an employer for a balanced relationship between employees of different backgrounds, gender, cultures, abilities and experiences.

CONDITIONS • You are motivated and reliable • You usually have previous knowledge in finance and accounting • You have Microsoft Office knowledge • You want to realize your own ideas • You have already gained experience in the banking or consulting environment • You have very good knowledge of German and English spoken and written • You can support our team at least 20 hours a week and at least 3 days   WHAT WE OFFER? • A small team • Flexible working hours • Insights into a new field of work in the financial sector • contacts in the German economy Our profile Creditshelf is Germany's first institutional credit market place. By creating a standardized offer and efficient online processing, creditshelf industrialises the allocation of SME loans. Our customers include medium-sized companies and (semi-) professional investors (B2B). Creditors are institutional investors such as family offices, alternative investment funds or companies with short-term liquidity surpluses. The credits are awarded through an auction. Equal Opportunity Creditshelf promotes equality of opportunity and strives as an employer for a balanced relationship between employees of different backgrounds, gender, cultures, abilities and experiences.

CONDITIONS • You are motivated and reliable • You usually have previous knowledge in finance and accounting • You have Microsoft Office knowledge • You want to realize your own ideas • You have already gained experience in the banking or consulting environment • You have very good knowledge of German and English spoken and written   WHAT WE OFFER? • A small team • Flexible working hours • Insights into a new field of work in the financial sector • contacts in the German economy Our profile Creditshelf is Germany's first institutional credit market place. By creating a standardized offer and efficient online processing, creditshelf industrialises the allocation of SME loans. Our customers include medium-sized companies and (semi-) professional investors (B2B). Creditors are institutional investors such as family offices, alternative investment funds or companies with short-term liquidity surpluses. The credits are awarded through an auction. Equal Opportunity Creditshelf promotes equality of opportunity and strives as an employer for a balanced relationship between employees of different backgrounds, gender, cultures, abilities and experiences.

Company Background Credit Benchmark is a fast-growing financial technology company based in London and New York. We provide a unique source of financial data in the credit risk space, aggregating data from the banks and financial institutions across the globe to help them make better risk decisions. Founded in 2012 by a team of proven entrepreneurs, we are backed by leading venture capital firms Index Ventures and Balderton Capital. Our team is a group of world-class financial services, credit and data experts and is characterized by a strong entrepreneurial spirit. We’re constantly seeking to add bright, motivated, client-focused individuals, and are now looking for a Contributor Onboarding Associate.   Role Credit Benchmark’s contributing banks are at the heart of the business and the entire team prides itself on providing consistently excellent services and support to them. To help us we’re now looking to recruit a Contributor Onboarding Associate to join our Contributor Relationships Team. This role can be based either out of London or New York.   Key responsibilities include: Reporting into the Contributor Onboarding Manager, working with prospective new contributors to set out, agree and manage complex processes such as data preparation, information security clearance, vendor risk management, contract negotiations and product setup. Ensuring communication is handled and recorded appropriately and documentation is kept up to date to ensure all internal and external stakeholders are informed as required. Developing relationships with key client and internal stakeholders, acting as the point of contact for all day to day enquiries. Joining and leading regular onboarding meetings and calls globally with prospective contributors. Developing client collateral and sales material for onboarding meetings. Additional account management focus for contracted clients to complement the contributor onboarding responsibilities.   Requirements and Qualifications: Graduate with at least 4-5 years’ work experience Experience working in financial services; an understanding of Credit Risk ideal Project management experience, competent in juggling around several projects and coordinating cross functional teams Customer-facing experience and high degree of professionalism Ability to build relationships with individuals at all levels, including senior stakeholders Self-motivated and proactive Organised with a good attention to detail Flexible and adaptable – is able to work extended hours as required and willing to travel Excellent communication skills (written and spoken) Microsoft office skills Eligible to work in the UK or USA