Credit Analyst

San Francisco, CA

CircleUp harnesses the power of machine learning and predictive analytics to discover the fastest-growing companies in the consumer & retail sector. We want to bring the data-driven revolution that has occurred in the public markets to the private markets, starting with consumer & retail.

Our mission is to help entrepreneurs thrive by giving them the resources and capital they need. CircleUp has been named one of the Top 5 Most Disruptive Companies in Finance by CNBC, one of the 50 Best Fintech Innovators by KPMG, and one of America's Most Promising Companies by Forbes. We are backed by top-tier investors including Google Ventures, Union Square Ventures (backers of Etsy/Kickstarter), and the ex CEOs/Presidents of Goldman Sachs, Morgan Stanley, Thomson Reuters, the Stanford Endowment and Capital One.

We are seeking a Credit Analyst to help develop CircleUp Credit’s lending product. We are looking for someone who excels in a fast-paced environment with the creativity and resiliency to deliver results and solve ambiguous problems. The ideal candidate will be excited at the prospect of being part of a growing team focused on using data-driven technology to help entrepreneurs thrive.

Specific Responsibilities

  • Work closely with our Credit team to build our credit portfolio, refine the product, and improve borrower experience
  • Evaluate credit applications with a data-driven approach to drive ultimate lending decision
  • Develop tracking processes and analyses to optimize scalability of product
  • Collaborate cross-functionally with Business Development, Operations, and Product teams to support and build out our credit initiatives
  • Stay nimble and roll with the inevitable hiccups that come with new product development

Requirements

  • Bachelor’s degree (Accounting/Economics/Finance Preferred)
  • Solid understanding of financial and accounting principles, terminology and concepts
  • Very strong analytical, problem solving and conceptual skills
  • Detail-oriented with the ability to work fluently with large and diverse datasets
  • Highly proactive and an ability to work both independently and as part of the team
  • Exceptional integrity, highly intelligent and strong work ethic

Nice to Haves

  • Familiarity with and passion for companies in the CPG space
  • Experience with asset-based lending and/or small business lending
  • Proficiency in SQL
  • 1-3 years of experience in credit underwriting / syndication or risk modelling at a financial services company
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