Senior Valuations Analyst

The role

You will own end-to-end valuation modelling for Credit Card and FlexiPay products. You will build forward-looking models and partner with Credit Risk, Finance, and Product teams to drive strategic decisions.

What you will do

• Own end-to-end valuation modelling for Credit Card and FlexiPay products
• Build and maintain forward-looking models including lifetime value, unit economics, and loss forecasting
• Partner with Credit Risk, Finance, and Product teams
• Play a key role in month-end and quarter-end close processes
• Own commentary and variance analysis for senior stakeholders and the Board

Required qualifications

• Strong experience in financial modelling or valuations within SME lending or consumer credit
• Excellent attention to detail
• Proactive approach to identifying deviations of actuals from assumptions
• Confident working with large datasets
• SQL required
• Python required
• Strong Excel skills
• Clear communicator
• Comfortable operating with autonomy in a fast-paced environment

Nice to have

• Experience across revolving credit or instalment products
• Comfortable experimenting with AI tools (e.g. Claude, Copilot)
• Experience with VBA, Excel-based financial models, or BI tools (e.g. Tableau, Looker)
• Experience supporting audit, model validation, or internal review processes
• Knowledge of ECL / impairment modelling under IFRS 9

Benefits

• Benefit allowance you can tailor to your own life and family
• Private medical and dental
• Health assessments
• Access to a digital GP
• Life assurance
• Share schemes
• Financial coaching
• Dedicated annual learning allowance
• Electric car and cycle-to-work schemes
• Season ticket loans
• Award-winning parental leave policies
• Barista coffee and subsidised Just Eat lunches

About the company

Funding Circle is a fintech company that uses data to provide funding to UK small businesses. It has the energy of a start-up with the stability of a public company.