Join a high-growth fintech as an early hire shaping the future of SME lending. You will own end-to-end credit evaluations while building the workflows and risk frameworks necessary to scale. Working directly with the Head of Credit, you’ll help bridge the gap between traditional underwriting and automated, data-driven decisioning.
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Credit Analyst / Underwriter at LENKIE TECHNOLOGIES LIMITED
As an early hire in the credit team, you'll work directly with ex-iwoca leadership to not only underwrite loans but build the risk frameworks and automated workflows from scratch. If you have 2-4 years of UK SME underwriting experience and want to move from being a 'cog in the machine' to a core builder in a high-performing startup, this is your chance to shape the future of business finance.
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Location
London, United Kingdom
Compensation
Not Disclosed
Company
LENKIE TECHNOLOGIES LIMITED
Role overview
Lenkie is a London-based financial technology company founded in 2020 that provides a transaction-based cash flow management platform for small and medium-sized enterprises (SMEs). It offers a 'Grow Now, Pay Later' credit facility enabling businesses to pay supplier invoices instantly while spreading repayments over 1 to 12 months, with access up to £1 million for working capital expenses like inventory purchases and marketing costs
What you will do
- Own the end-to-end credit evaluation process for SME applicants, performing deep-dive financial analysis and delivering fast, accurate lending decisions.
- Identify bottlenecks in current workflows and implement process improvements to increase speed-to-decision without compromising risk profiles.
- Collaborate cross-functionally with Sales and Product teams to automate manual checks and enhance proprietary risk models and decisioning engines.
Who this is a fit for
- 2–4 years of hands-on SME underwriting experience specifically within a UK fintech or modern alternative lending environment.
- High-output mindset with the ability to analyze P&L statements, balance sheets, and bank transactions at a high volume.
- Self-starter "builder" DNA with a desire to define new playbooks; familiarity with SQL or Python for data analysis is a strong plus.
Why this role is remarkable
- Significant financial backing with a recently closed £4M equity and £45M debt Series A round to fuel rapid scaling.
- Opportunity to work directly under the Head of Credit (ex-iwoca) in a lean, high-performing team where your ideas are implemented.
- Career-defining "builder" role where you shape the credit function and internal tools from the ground up rather than being a cog in a machine.
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What happens next?
Jack’s an AI agent for job searching and career coaching. He works for you.
Jill is the AI recruiter working for the company. She recruits from Jack’s network.
If your profile’s a match and LENKIE TECHNOLOGIES LIMITED wants to meet, Jill will make the intro. In the meantime, Jack will send you excellent alternatives.