Graduate Credit Analyst

iwoca Ltd.London

On-site Full-time

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Experience Level

Entry Level

Qualifications

QualificationsWe are seeking candidates who are analytical thinkers with strong attention to detail. If you have a passion for finance and helping small businesses succeed, this is the role for you. A degree in finance, economics, or a related field is preferred, but not mandatory.

About the job

Join Our Team as a Graduate Credit Analyst!

At iwoca, we are experiencing rapid growth, and with an increasing number of customers comes the need for more credit decisions. Our dedicated team of 50 analysts is expanding, and we are on the lookout for motivated individuals to evaluate our clients promptly, fairly, and accurately.

About iwoca

In the fast-paced world of small businesses, opportunities can arise and cash flow challenges can emerge suddenly. To thrive and expand, SMEs require financing that is as agile and responsive as they are.

That’s why we created iwoca. Our innovative technology, expertise in data science, and exceptional customer service empower business owners to act decisively and confidently, precisely when they need to.

We have already facilitated funding for over 100,000 businesses, providing more than £4 billion in financing. Our passionate team is motivated to help even more SMEs flourish by offering access to superior financial solutions and services that simplify business operations. Our ultimate goal is to support one million SMEs at their pivotal moments, creating a lasting positive impact on their communities and economies.

Our Company Culture

As we expand rapidly across our offices in London, Leeds, Frankfurt, and Berlin, we seek individuals eager to learn on the job and take the lead on projects, knowing that their contributions will affect thousands of small businesses.

Your Role

As a Graduate Credit Analyst, you will play a crucial role in making lending decisions for SMEs throughout the UK that approach iwoca.

Your responsibilities will include:

Evaluating credit data, financial statements, and various data sources to assess the risk level associated with lending.
Conducting comprehensive due diligence to verify the affordability of credit in accordance with our internal policies.
Gaining a thorough understanding of and accurately capturing the specific revenue and risk factors affecting SMEs.
Being entrusted with the responsibility to make informed lending decisions.
Enhancing our underwriting framework by delivering consistent, high-quality lending decisions to facilitate better, faster, and fairer outcomes.
Effectively communicating with our Account Management teams to ensure customer needs are addressed.

About iwoca Ltd.

iwoca is dedicated to empowering small and medium-sized enterprises with flexible financial solutions. Our advanced technology and commitment to customer service set us apart in the industry. We are passionate about fostering the growth of businesses and creating meaningful economic impact.

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Apr 9, 2026

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Graduate Credit Analyst

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