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Credit Analyst

  • London
  • Risk
  • Full time
  • R-0002921

Creating a more diverse, equitable and inclusive Dojo

Dojo’s 150,000+ customers reflect the diversity of the UK High Street. Building teams with diverse backgrounds that are representative of the customer base which we serve is fundamental to creating innovative products at Dojo. Whoever you are, if you’re passionate about your work, curious, relentless and customer-obsessed, you have a place at Dojo. 

We want everyone to be the best they can be throughout the recruitment process; if you require any additional adjustments please let us know.

The role

2023 marks an exciting period of growth for Dojo, particularly within our expanding portfolio of customers who require comprehensive credit monitoring. As we strive to continue increasing the number of new merchants we onboard each month and broaden our reach, the role of our Credit Analyst becomes increasingly pivotal.

In this role, you will play a pivotal part in assessing the creditworthiness of our SMB (Small and Medium-sized Business) portfolio and ensuring risk mitigation strategies are effectively implemented. As a Credit Analyst, you will be responsible for analyzing the creditworthiness of our SMB customers and managing the associated risks. This role will involve interacting with clients to gather information, asking relevant questions, and conducting assessments based on trigger-based reviews and periodic reviews. Your ability to perform credit analysis effectively, make informed judgments, and communicate recommendations will be vital to the success of our credit risk management efforts.

What you will do ...

  • Credit Analysis: Conduct thorough credit assessments for our SMB customers, considering factors such as financial statements, credit reports and industry analysis. Assess creditworthiness, likelihood of default and overall risk profile based on established guidelines.

  • Client Interaction: Interact directly with SMB clients to obtain necessary information for credit assessment. Ask relevant questions, clarify details and build relationships to better understand their business operations, credit needs and risk factors.

  • Trigger-based and Periodic Reviews: Perform regular reviews of the SMB portfolio based on trigger events (e.g. transaction monitoring alerts, adverse media updates, changes in financial conditions) and periodic reviews. Assess and identify potential credit risks, provide recommendations for risk mitigation and update credit ratings as necessary.

  • Credit Recommendations: Prepare concise credit reports summarising the analysis, assessment and recommendations for management review. Clearly communicate credit decisions to both customers and internal stakeholders.

  • Risk Mitigation: Identify and assess credit risks within the SMB portfolio, considering industry trends, economic factors and client behaviours. Recommend risk mitigation strategies, including collateral requirements, guarantees or other credit enhancements.

  • Compliance and Documentation: Ensure compliance with regulatory and partner requirements and internal policies in all credit analysis processes and documentation. Maintain accurate records of credit assessments, decisions and supporting documentation.

  • Collaboration and Cross-functional Support: Collaborate with underwriting, commercial, risk, collections and customer service teams to understand customer needs, resolve issues and ensure crest decisions align with the business objectives. Provide guidance and support on credit-related matters as needed.

  • Ongoing Monitoring: Continuously monitor the credit performance of the SMB portfolio, identifying early warning signs and potential credit deterioration. Take proactive measures to address any emerging risks and report findings to management.

What you will bring ...

  • Bachelor's degree in finance, accounting, economics, or a related field. Relevant certifications or courses in credit analysis are a plus.

  • Proven experience in credit analysis or a similar role, preferably within the payments or financial services industry.

  • Strong analytical skills including the ability to interpret financial statements, evaluate credit reports and conduct risk assessments for SMB clients.

  • Excellent communication and interpersonal skills with the ability to interact effectively with clients and internal stakeholders.

  • Detail-oriented with a strong sense of judgment and the ability to make informed credit decisions.

  • Familiarity with trigger-based and periodic credit reviews, including the ability to assess credit risks and recommend appropriate actions.

  • Knowledge of credit risk management practices, regulatory requirements and compliance standards.

  • Self-motivated, proactive and able to work independently as well as collaboratively in a team environment.

  • Strong organisational skills and the ability to prioritise tasks in a fast-paced, deadline-driven environment.

About Dojo

We launched Dojo in 2019 to address business owners’ pain points across the UK. Since then, we’ve seen incredible growth as a scaling fintech, welcoming over 150,000 customers and growing the Dojo team to 1,000+ people across five locations. In that time, we’ve also introduced Dojo Virtual Queues & Bookings and the Dojo restaurant finder app, formerly known as WalkUp and loved by 1,000 restaurants and 750,000 diners. 

Today, we work towards our mission to empower businesses to thrive in the Experience Economy by creating the tools and technology that turn transactions into meaningful relationships. For our business customers, that means fast funding, the fastest payments, smart integrations, and efficient virtual queues & bookings - all with instant insight across the board. For diners, that means getting seated at their favourite restaurants with just a couple of taps on the Dojo app. Whether it’s for busy business owners or hungry diners, every Dojo product is built to address real customer pain points by our dedicated teams in London, Bristol, Hull and Belfast. 

Our values

At Dojo, we’re curious . We have an insatiable desire to learn and innovate. And we’re relentless . We persevere even when it’s easier not to. But, we’re nothing without our customers, who drive everything we do. From day one, Dojo was built on real customer pain points and every one of us is customer-obsessed. 

Our way of working

Dojo has adopted a set of shared principles with the aim of increasing in-person collaboration and amplifying our ‘Customer First’ values. We encourage our employees to meet in-person over virtual meetings, and our communication is mostly asynchronous. Unlike most other businesses, we are intentionally avoiding a rules-based approach, and each team is empowered to make the arrangements that work best for their success. The answer to every scenario which tests these principles is: We trust you to use your judgement responsibly, in the best interest of our customers.

Find out more about our benefits and what it’s like to work at Dojo at . Learn more about Life at Dojo on LinkedIn and Instagram .