Credit Risk Analyst - Portfolio

Role Summary

As a Credit Risk Analyst within our portfolio team, you will play a critical role in assessing and managing the creditworthiness of our clients across all territories, ensuring the stability and growth of our business. You will be responsible for monitoring and risk assessing all current client within our global portfolio while creating a positive and client experience. While also playing a key role in helping us shape our risk underwriting, monitoring, lending policies and procedures and the development of our decisioning tools.

This role will report into the Portfolio Manager and will collaborate with other functions including sales, product, and risk operations to streamline processes and enhance the overall customer experience.

About Outfund

Founded in 2018, we empower businesses to achieve exponential growth by providing them with a transparent, efficient, and hassle-free way to access investment capital. We offer advances ranging from £10K to £10M, with flexible terms and revenue sharing options tailored to suit the unique needs of each business.

Having successfully ventured into 7 countries, including the US, UK & Spain, and Australia since 2018, we are ready to embark on the next phase of our journey.

So far, we have raised over £115M of investment, and we are now on the lookout for ambitious individuals who are passionate about championing our innovative, data-driven funding solution. Join us in becoming an invaluable part of our rapidly expanding company!

What you will do

• Monitor all current clients within our global portfolio, highlighting and acting on relevant flags to mitigate risk.
• Evaluate and provide decisioning on all funding requests from portfolio clients.
• Assess and interpret financial statements, credit reports, industry trends, and other relevant data to form a holistic view of Credit Risk.
• Make recommendations for the ongoing development of systems, processes and business practices to provide improvements in efficiency and capacity.
• Ensure compliance with the AML and Onboarding policies and procedures on a client level
• Prepare and recommend credit decisions on applications to the Credit Risk Committee
• Engage sophisticated clients directly when required

Requirements

• 2+ years experience as an underwriter or credit analyst
• Educated to degree level or above
• Experience with similar credit products such as credit cards, commercial loans or invoice financing.
• Strong general financial acumen
• Proficiency in Excel

Our Dream Candidate

• Excellent attention to detail and strong problem-solving abilities
• Effective communication skills to present complex information in a clear and concise manner
• Fluency in another language
• Experience using SQL preferred but not a requirement
• Experience from other financial or fintech companies

Benefits

The Package

• Competitive Salary
• Company Stock Options
• Flexible working
• Device of your choosing (Macbook Air or Dell XPS)
• 24 Days Holiday (excluding Bank Holidays)
• Your Birthday off!
• Support and Coaching

Outfund is an equal opportunities employer