Finance and Lending Operations Analyst

My client is a rapidly growing Fintech business with offices in Europe, the US and Australasia. This Finance and Lending Operations Analyst role is based in their West End of London office and offers a great opportunity to join a fast paced entrepreneurial Financial Services business.

Description

Key Responsibilities

1) Data Reconciliation

• Perform daily, weekly, and monthly reconciliation of financial and lending data from various systems, including bank statements, payment processors, loan management systems, and internal financial platforms.
• Investigate and resolve discrepancies between financial records, lending operations, and transactional data to maintain data integrity.
• Automate reconciliation processes to improve efficiency, reduce manual data entry, and minimise errors.
• Ensure lending portfolio reconciliations align with general ledger balances and other financial systems.

2) Financial Analysis & Reporting

• Analyse financial and lending data, identify trends, and provide actionable insights to management.
• Prepare detailed reports on financial performance, loan performance metrics, and reconciled items for internal and external stakeholders.
• Collaborate with the Lending Operations team to develop dashboards and analytics to track loan origination, repayments, and delinquencies.
• Support month-end and year-end close processes, ensuring the completeness and accuracy of financial and lending data.

3) Lending Operations Oversight

• Monitor and manage the lifecycle of loans, from origination and disbursement to repayments and delinquency management.
• Ensure compliance with loan agreements, company policies, and regulatory requirements throughout the lending process.
• Partner with cross-functional teams to optimise lending workflows, identify process improvements, and enhance customer experience.
• Assist in the development of loan policies and procedures to streamline lending operations.

4) Compliance & Risk Management

• Ensure compliance with financial, regulatory, and internal controls, particularly related to lending operations and financial reporting.
• Support internal and external audits by providing reconciled financial and lending data along with necessary documentation.
• Identify and mitigate risks related to data accuracy, reconciliation, and lending operations.

5) Systems & Tools Management

• Leverage reconciliation and loan management tools to track, reconcile, and report financial and lending data accurately.
• Collaborate with IT and data teams to enhance financial and lending systems, ensuring they meet operational and reporting needs.
• Support the implementation and integration of systems like NetSuite and loan management platforms to improve efficiency.
• Support with incident and problem resolution for business impacting issues across business and technical functions
• Monitor operational customer communications to ensure systems initiate communications accurately

6) Stakeholder Communication

• Communicate discrepancies, issues, and resolutions clearly to relevant stakeholders, including finance, lending, and risk management teams.
• Provide regular updates on the status of reconciliations, financial data accuracy, and lending portfolio performance to senior management.
• Act as a liaison between FinOps and Lending Ops to ensure smooth information flow and operational alignment.

Profile

Finance and Lending Operations Analyst, West End London Location, Financial Services:

• Proven experience in financial operations, reconciliation, and lending operations.
• Strong understanding of loan lifecycle management and associated financial processes.
• Proficiency with financial systems (e.g., NetSuite) and loan management platforms.
• Excellent analytical skills and attention to detail.
• Strong communication skills to interact with diverse stakeholders.
• Experience in process improvement and automation is a plus.

Job Offer

Finance and Lending Operations Analyst, West End London Location, Financial Services:

• Salary £55-60k
• Bonus
• Hybrid working 3 vs 2 days FH
• Excellent benefits package