Junior Credit Analyst - German Speaking

Methodfi; Greater London; On-site; GBP 30,000 - 50,000; Full time

Job summary

A fast-growing financial services firm in Greater London is looking for a Credit Analyst - German Speaking. In this role, you will independently assess credit applications, utilizing data analysis and credit principles to make informed decisions. Strong German skills and a solid understanding of finance are essential. The company fosters a supportive culture with a commitment to professional development, offering numerous benefits including medical insurance, generous holidays, and opportunities for growth.

Benefits

Medical insurance

25 days’ holiday plus extra for birthday

Paid volunteering day

Learning and development budget

Cycle-to-work scheme

Responsibilities

• Assess credit applications using data sources and tech platform.
• Make fast, fair and accurate credit decisions.
• Support other analysts on complex decisions.
• Work with analytics teams to optimize lending approaches.

Skills

Knowledge of finance and accounting principles

Strong business acumen

Strong German language skills

Ability to interpret financial statements

Excellent communication skills

Analytical mindset

Job description

We’re looking for a Credit Analyst - German Speaking

We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.

The company

Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.

That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.

We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.

Your Mission

• To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.
• You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.
• You will support other analysts on larger and more complex decisions, which is a key part of our workflow.
• Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.

Requirements

We look for people who are smart, humble, motivated and who are always looking to improve.

You will have:

• Knowledge of foundational finance and accounting principles, whether acquired academically or through an internship
• 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, ideally at native level
• 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. 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.

The culture

At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.

The offices

We put a lot of effort into making iwoca a brilliant place to work:

• Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks
• Events and clubs, like bingo, comedy nights, yoga classes, football, etc.

Our benefits

We put a lot of effort into making iwoca a brilliant place to work:

• Offices in London, Leeds and Frankfurt.
• Events and clubs, like bingo, comedy nights, yoga classes, football…
• Two company retreats a year, we’ve been to France, Italy, Spain and further afield
• Plenty of drinks and snacks in our offices

We offer a wide range of benefits:

• 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