Payments Operations Analyst

We’re on a mission to back the UK’s small businesses like no one else 🚀 Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks. At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts. We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better. The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy 📈 Come and join a mission that matters! [ Read our Impact Report ] | [ See our Trustpilot ] The role ⚡ 📍 London (Hybrid) | 🤝 3 days in the office | 💰 Competitive Salary + Benefits You’ll make a real difference for our customers and your team from day one. We believe the fastest way to learn is by doing, so we give you the ownership to run with things and see the results of your work in real-time. Managing daily payment runs across our bespoke internal systems, handling both inbound and outbound transactions (Direct Debits, Open banking, Card payments, Faster payments, and bank transfers). Spotting unusual payment patterns and irregular account behaviour— applying an immediate solution while working with our tech teams on permanent system fixes. Mastering the end-to-end flow of money across our various products (including Term Loans and FlexiPay), knowing exactly how to handle and route payment exceptions. Carrying out daily operational checks and authorising internal and external transactions correctly, ensuring our data aligns perfectly to prevent any breaks between internal ledgers and bank accounts. Working closely with the AML and Financial Crime teams —supplying the AML team wit