Hybrid Graduate Credit Analyst

at iwoca

• Job title: Graduate Credit Analyst
• Job type: Full Time
• Experience level: Entry level
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, London, United Kingdom

About the role

• Graduate Credit Analyst at iwoca, responsible for assessing lending risks for SMEs using credit data and financial statements. Collaborates with teams to support underwriting decisions.

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 policies.
• Understanding and accurately capturing the specific revenue and risk drivers for SMEs.
• Being responsible for and trusted to make lending decisions.
• Supporting and improving our underwriting framework, through consistent high quality lending decisions to enable us to make better, faster and fairer decisions
• Communicating effectively with our Account Management teams to ensure customer needs are met.

Requirements

• A UK bachelors or masters degree from which you’ll be graduating in 2026
• 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
• This is a hybrid role, requiring 3 days in the office per week

Benefits

• Offices in London, Leeds, Frankfurt and Berlin.
• Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
• Two company retreats a year, we’ve been to France, Italy, Spain and further afield
• Plenty of drinks and snacks in our offices.
• Medical insurance from Vitality, including discounted gym membership
• 25 days’ holiday, an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave
• Instant access to emotional and mental health support with our partner, Spill
• Share options
• Generous maternity and paternity leave
• A nursery tax benefit scheme to help you save money
• Paid volunteering day to support your chosen charity
• Extra leave if you want to travel or study
• One-month fully paid sabbatical after 4 years
• Cycle-to-work scheme
• Electric car scheme
• And to make sure we all keep learning, we offer:
• An L&D budget for everyone, including a book budget
• Company-wide talks with internal and external speakers
• Access to learning platforms like Treehouse if you want to learn to code