---
title: 'Senior Valuations Analyst at Funding Circle'
canonical: 'https://feeny.ai/job/senior-valuations-analyst-funding-circle-london-chb7wdvjnvhe'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Valuations Analyst at Funding Circle

- **Company:** Funding Circle
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-07-16
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/fundingcircle/47516090-7760-45c5-9c7e-e038f6fdb785

## Job description

WE’RE ON A MISSION TO BACK THE UK’S SMALL BUSINESSES LIKE NO ONE ELSE 🚀

Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.

At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.

We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.

The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy 📈 Come and join a mission that matters!

[Read our Impact Report https://www.fundingcircle.com/uk/impact] | [See our Trustpilot https://uk.trustpilot.com/review/fundingcircle.com]

## THE ROLE ⚡

📍 London (Hybrid) | 🤝 3 days in the office | 💰 Competitive Salary + Benefits

You’ll make a real difference for our customers and your team from day one. We believe the fastest way to grow is by doing, so we give you the ownership to run with things and see real-time results.

- Own the end-to-end valuation modelling for our Credit Card and FlexiPay products, translating complex financial data into clear, actionable insight that drives strategic decisions.
- Build and maintain forward-looking models — including lifetime value, unit economics, and loss forecasting — that underpin product pricing, provisioning, and portfolio strategy.
- Partner closely with Credit Risk, Finance, and Product teams to ensure our valuations reflect the latest performance data and macroeconomic assumptions.
- Play a key role in month-end and quarter-end close processes, owning commentary and variance analysis for senior stakeholders and the Board.

## WHAT WE’RE LOOKING FOR 🌱

We value deep expertise, but a growth mindset and good energy are what really make our team click. We’re a group that chooses to lift each other up and think smart every day.

- Strong experience in financial modelling or valuations within SME lending or consumer credit, ideally across revolving credit or instalment products.
- Excellent attention to detail and a proactive approach to identifying deviations of actuals from assumptions and updating models to reflect observed trends and variances.
- Confident working with large datasets to build and stress-test assumptions — SQL or Python required, plus strong Excel skills.
- A clear communicator who can distil complex analysis into concise, well-structured narratives for non-technical audiences.
- Comfortable operating with autonomy in a fast-paced environment, managing competing priorities without losing attention to detail.

Skills we’d love to see:

- Comfortable experimenting with AI tools (e.g. Claude, Copilot) to accelerate analysis, automate repetitive modelling tasks, and improve output quality
- Experience with VBA, Excel-based financial models, or BI tools (e.g. Tableau, Looker) for reporting and scenario analysis
- Experience supporting audit, model validation, or internal review processes
- Knowledge of ECL / impairment modelling under IFRS 9

We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.

## WHY JOIN US? 💜

We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!

Our Circler Proposition focuses on five areas:

- Flexibility: We provide a benefit allowance you can tailor to your own life and family.
- Health: This includes private medical and dental, health assessments, and access to a digital GP.
- Wealth: We offer life assurance, share schemes, and financial coaching.
- Development: You get a dedicated annual learning allowance to help you level up.
- Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.

We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.

READY TO JOIN A MISSION THAT MATTERS? WE’D LOVE TO CHAT!

## About Funding Circle

## Company Overview
- **One-liner**: Funding Circle backs small businesses by providing fast, simple access to finance through a proprietary technology and data engine.
- **Entity Type**: Public (LSE: FCH)
- **Headquarters**: London, United Kingdom
- **Founded**: 2010
- **Founders**: Not specified in provided search results

## Core Business
- **Primary industry**: Fintech / Online Lending (SME Finance)
- **Target customers**: Small and medium-sized businesses (B2B)
- **Mission**: “To back the small businesses that power the economy.” [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)

## Products & Services
- **Term Loans**: Unsecured loans up to £750,000, up to six years, with a typical personal guarantee. Applications take ~7 minutes, decisions in as little as 1 hour, funds within 48 hours. [fundingcircle.com](https://www.fundingcircle.com/uk/about-us/)
- **FlexiPay Line of Credit**: Flexible credit facility for businesses. [fundingcircle.com](https://www.fundingcircle.com/uk/)
- **Cashback Business Credit Card**: A credit card offering cashback on spending. [fundingcircle.com](https://www.fundingcircle.com/uk/about-us/)
- **Asset Finance** (via third-party partners): Finance for equipment through expert partners. [fundingcircle.com](https://www.fundingcircle.com/uk/about-us/)
- **Marketplace Platform**: Connects SMEs with a panel of 28 institutional lenders (asset managers, funds, etc.) using a hybrid funding model combining capital-light marketplace and balance sheet lending. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)

## Market Standing
- **Valuation/Market Cap**: Not disclosed in provided sources (publicly traded, current market cap not included)
- **Key Metrics**:
  - £17 billion lent to UK businesses since 2010. [fundingcircle.com](https://www.fundingcircle.com/uk/)
  - 125,000+ SMEs supported. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - £7.9 billion contribution to UK GDP in 2025. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - 4.5/5 Trustpilot rating (16,700+ reviews). [fundingcircle.com](https://www.fundingcircle.com/uk/)
  - Customer NPS of 79. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - A customer transacts every 38 seconds. [fundingcircle.com](https://www.fundingcircle.com/uk/)
- **Notable Investors/Partners**: Institutional investors (asset managers, funds) and a Senior Citi facility. Specific names not provided in sources. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
- **Growth Signals**:
  - 73% of applicants receive an instant decision. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - 3x better risk discrimination than traditional credit bureaus. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - Evolved from a single-product lender to a multi-product platform. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - Transforming into an “AI-native” business. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/our-people)

## Competitive Advantages
- **Proprietary Technology & Data Engine**: Deep data lake and predictive risk model enable fast, accurate lending decisions.
- **Instant Decision Platform**: Six-minute application with 24-hour turnaround; 73% of applicants get an instant decision.
- **Multi-Product Ecosystem**: Offers loans, credit lines, credit cards, and asset finance – a comprehensive financial partner for SMEs.
- **Strong Brand & Scale**: Recognised as the “UK’s number 1 business lending platform” with over £17 billion lent.
- **Hybrid Funding Model**: Combines capital-light marketplace lending with balance sheet funding for resilience and scalability.

## Strategic Focus
- **Customer Centricity & Innovation**: “Obsess over the customer” is a core value; continuous product expansion to meet evolving SME needs.
- **Profitable Growth**: Following a multi-year transformation, the company is sustainably profitable and focused on scaling responsibly.
- **AI-Native Transformation**: Embedding AI across operations to enhance risk assessment, customer experience, and efficiency. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/our-people)
- **Seamless Lifetime Customer Experience**: Aiming to serve SMEs at every stage of their journey with tailored finance. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)

## Why Work Here
- **Hybrid-First Workplace**: Typically 3 days per week in the central London office (2 days for tech teams). Flexible working fully supported. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)
- **Family-Friendly Policies**: 26 weeks full pay for maternity leave, 6 weeks partner leave, and adoption leave at full pay. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)
- **Development & Growth**: Internal learning platform with 5,000+ courses, “squiggly careers” support for non-linear progression. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)
- **Culture & Recognition**:
  - Named a Sunday Times Best Place to Work 2026. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)
  - “No blame” culture with open feedback.
  - Diversity, equity and inclusion are core: signatory of HM Treasury Women in Finance Charter.
  - All permanent employees hold options or shares in the company. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/our-people)
- **Inclusive Recruitment**: Anti-bias hiring framework; diverse interview panels; salaries benchmarked internally and externally. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)

## Sources
1. [corporate.fundingcircle.com - Company Overview](https://corporate.fundingcircle.com/about-us/company-overview)
2. [fundingcircle.com - Careers](https://www.fundingcircle.com/uk/careers/)
3. [corporate.fundingcircle.com - Our People](https://corporate.fundingcircle.com/about-us/our-people)
4. [fundingcircle.com - About Us](https://www.fundingcircle.com/uk/about-us/)
5. [fundingcircle.com - Homepage](https://www.fundingcircle.com/uk/)

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