Senior Credit Analyst

About Financefair

At Financefair, we're not just another Fintech company. We're a dedicated team of finance professionals who leverage innovative technologies and data-driven insights to offer fast, flexible, and tailored financial solutions to help SMEs grow.

Over the last 9 years Financefair has provided over €2.0 billion of funding to a wide range of customers across all sectors. We are in a period of rapid growth, launching new technology, expanding our team, and scaling our customer base. Our mission is to empower businesses by unlocking their potential through access to growth funding.

The Role
The Senior Credit Analyst will support Financefair’s SME funding and receivables finance activities through high-quality credit analysis, underwriting, and portfolio monitoring. The role is designed for a developing credit professional who can independently assess risk, contribute to credit decisioning, and support the evolution of Financefair’s credit framework while operating within established policies and governance.

 
Key Responsibilities

Conduct and review underwriting of SME financing applications and ongoing portfolio monitoring by analysing financial statements, cash flow, management accounts, and transactional data

Actively monitor the credit portfolio, identifying emerging risks, early warning indicators, and deterioration trends, and proactively escalating material risk issues with proposed mitigants to senior stakeholders

Liaise with internal and external advisors (e.g. legal, insolvency practitioners) on transaction-specific matters when required

Assist in the maintenance and continuous improvement of credit procedures and documentation

Utilise credit systems, data tools, and fintech platforms to enhance underwriting efficiency and accuracy

Provide guidance to graduate analysts and interns, including reviewing work, sharing best practices, and supporting their development in credit analysis and risk judgement

The Ideal Candidate

Minimum 2 years' experience in credit analysis, risk, lending, banking, or audit within financial services

Degree in finance, business, economics, accounting, or a related discipline/work experience

Curious, adaptable and tech-savvy, with an interest in fintech and data-driven credit assessment. Excel skills preferable.

Strong communications skills with sound judgement and commercial awareness, balancing risk management with business growth

Proactive, collaborative, and comfortable taking ownership of outcomes

Working At Financefair

Competitive salary with performance related bonus opportunity

A contributory pension scheme with life assurance and other insurances

A contribution to a healthcare plan of your choice or gym membership

A company who invests in the learning and development of its people

A great team with a good sense of fun