Graduate Credit Analyst

iwoca

Graduate Credit Analyst at iwoca assessing credit risk for SMEs through data analysis and communication with applicants. Responsible for lending decisions and improving underwriting processes in a hybrid work environment.

Posted 5/1/2026full-timeLondon • 🇬🇧 United KingdomEntry LevelWebsite

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A private GP service (separate from Vitality) for you, your partner, and your dependents.
25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.
A one-month, fully paid sabbatical after four years.
Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.
3% Pension contributions on total earnings.
An employee equity incentive scheme.
Generous parental leave and a nursery tax benefit scheme to help you save money.
Electric car scheme and cycle to work scheme.
Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.
A learning and development budget for everyone.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit data analysisfinancial statement interpretationrisk assessmentdue diligenceunderwriting framework improvementbusiness performance evaluationrevenue driver analysisrisk driver analysisanalytical problem solving

Soft Skills

effective communicationmotivated attitudeenthusiastic attitudeadaptabilityteam collaboration

Certifications

UK bachelor's degreeUK master's degree