Senior Credit Analyst

Remote / 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 vision is to create a transparent and efficient market that drives innovation for all.

Our Credit team manages a fund which provides affordable and flexible debt financing to high-growth consumer brands. We are seeking an experienced Senior Credit Analyst to join the credit team, underwriting loan requests, manage losses in the portfolio, and contribute to the development of investment policies. This role is for a seasoned credit professional who is passionate about using innovative credit solutions for early-stage consumer product businesses.

CircleUp was recently honored as one of Fast Company's Top 10 Most Innovative Companies in Data Science and has been named a CB Insights FinTech 250, a Top 5 Most Disruptive Company in Finance by CNBC, and to the Forbes FinTech 50. Founded in 2012, CircleUp is headquartered in San Francisco and backed by Union Square Ventures, GV, Canaan Partners, QED Advisors, and others.

Specific Responsibilities

  • Underwriting/analysis of new loan opportunities 
  • Contribute to the development of a data and analytics framework to improve processing, underwriting, risk management and reporting in the Credit program
  • Identify and incorporate new insights from CircleUp’s machine learning data platform (“Helio”) into the risk models of the lending program  
  • Develop tracking processes and analyses to optimize portfolio monitoring
  • Work with Risk team leadership to develop investment strategies and monitoring tools

We get excited about those with:

  • 3+ years experience as an underwriter or analyst at a top tier financial institution 
  • Understanding of fundamentals for small business financing needs 
  • Experience in architecting, implementing, and interpreting risk/scoring models in conjunction with data science teams
  • Experience with a Fintech SME lending platform or Credit focused Asset Manager / Hedge Fund researching higher risk forms of corporate credit (High Yield, Distressed debt, Leveraged Loans, Private Debt)
  • Passion for identifying novel approaches to the pricing of credit risk
  • Ability to work both independently and as part of the team
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