Job details

Lead Underwriter

We are looking for a Lead Underwriter to join our Underwriting team which sits under our Chief Credit Officer.

Our Underwriting Team is at the heart of our business, empowering small businesses by assessing their creditworthiness. As Lead Underwriter, you will play a pivotal role in shaping our underwriting strategy and driving operational excellence.

Who are we?

We’re Funding Circle. We back small businesses to succeed.

At Funding Circle, we believe the world needs small businesses. That’s why we’ve made it our mission to help them get the finance they need to grow.

With more than a decade of expertise under our belt, we’ve built a game-changer of a platform with cutting-edge data and technology that’s reshaping the landscape of SME lending. Say goodbye to lengthy applications and hello to lightning-fast decisions! In just minutes, SMEs across the UK can get a decision, giving them access to competitive funding in a flash.

We know that good business is about good people. So we pride ourselves on providing meaningful, human support as well as fast, hassle free processes to deliver an unbeatable customer experience.

The role

Advanced Credit Analysis: Conduct complex credit assessments, leveraging advanced analytical techniques to identify and mitigate risks
Operational Excellence: Optimise underwriting processes, identify opportunities for automation and efficiency gains, whilst also reducing operational risks
Team Development: Mentor and coach underwriters, managing referral workflow whilst fostering a high-performance culture and driving development
Data-Driven Insights: Utilise data analytics to identify trends, inform decision-making, and improve underwriting accuracy
Product Innovation: Collaborate with product teams to develop innovative credit products and underwriting solutions
Proactively problem solving, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day

What we’re looking for

Proven track record in credit risk management, preferably in SME lending
Strong analytical skills and a deep understanding of financial statements and credit risk metrics
Excellent communication and interpersonal skills, with the ability to influence and persuade
Strong leadership and team management skills, with a focus on developing talent
In-depth knowledge of SME lending market and industry best practices
Advanced proficiency in data analysis tools and techniques
A passion for innovation and a commitment to delivering exceptional results

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.

Want to learn more?

We have a huge impact on the businesses that borrow through our platform, the communities they serve and the overall economy (last year £6.9bn of GDP generated). You can read our full Impact Report here: https://www.fundingcircle.com/uk/impact
To see what our customers think, visit our Trustpilot page: https://uk.trustpilot.com/review/fundingcircle.com
And we’re still evolving! Our award-winning multi-product platform is solving more SME finance challenges than ever before. We think big, rally together and meet the needs of SME customers like no other.

Why join us?

At Funding Circle, we celebrate and support the differences that make you, you. We’re proud to be an equal-opportunity workplace and affirmative-action employer. We truly believe that diversity makes us better.

As a flexible-first employer we offer hybrid working at Funding Circle, and we've long believed in a 'best of both' approach to in-office collaboration and non-office days. We expect our teams to be in our London office three times a week, where you can take advantage of our newly refurbished hybrid working space, barista made coffee and subsidised lunches (via JustEat) every day!

We back our Circlers to build their own incredible career, making a difference to small businesses every day. Our Circler proposition is designed to support employees both in and out of work, and it is anchored around four pillars: Health, Wealth, Development & Lifestyle.

A few highlights:

Health: Private Medical Insurance through Aviva, Dental Insurance through Bupa, MediCash, access to free online therapy sessions and exclusive discounts with Hertility for reproductive health support.
Wealth: Octopus Money Coach, free mortgage advisor partnership and discounts across numerous retailers through Perks at Work.
Development: Dedicated annual learning allowance and full access to internal learning platform.
Lifestyle: Wellhub (for fitness discounts), Electric Car Scheme and more!

And finally, we have award winning parental leave policies supporting parents through enhanced maternity, partner and adoption leave, as well as additional leave for parental bereavement and for fertility treatments.

Ready to make a difference? We’d love to hear from you.

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By Funding Circle UK

Founded in 2010, Funding Circle is a global small business loan platform, connecting businesses with investors lending in the UK, US, Germany, and the Netherlands.

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FUNDING

Private

DEPARTMENTS

Finance

SENIORITY LEVEL REQUIREMENT

Senior

TEAM SIZE

501-1000

LOCATION