Senior Credit Analyst responsible for analyzing financial data to evaluate customers' lending capacity. Collaborating with multiple teams to refine credit policies and support global businesses.
Responsibilities
Analyse bank statements, management accounts and non-financial data of new and existing customers to understand cash conversion cycles, repayment capacity and overall collectability
Identify and assess the risks involved in funding a variety of business types, including but not limited to software, professional services, healthcare, bars and events
Lead and support customer calls to validate trading activity, reconcile deposits against reported revenue and evaluate the sustainability of sales growth, margins and cashflow
Work closely with Credit Strategy and Product teams to refine lending frameworks, scoring models and credit policies that drive sound decision-making across industries
Collaborate with our Sales and Operations teams to understand how customers are acquired and onboarded, and how we build long-term funding relationships
Learn about our loan portfolio and risk management approach, including how we monitor performance, detect early warning signals and exit high-risk positions
Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how we underwrite, fund and support businesses globally
Requirements
3+ years of relevant experience in one or more of the following:
Commercial lending, underwriting, or credit risk within a bank, fintech, or fund
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