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 with the transaction data they need for daily checks, and ensuring preventative measures are actioned at the request of the Fraud team. Keeping our processes fully compliant with regulatory standards, focusing on FCA guidelines and CASS (Client Money) rules. Liaising with teams across the business , including Capital Market Operations, Collections, and Customer Success. Answering payment queries from internal colleagues and external customers clearly and efficiently. What we’re looking for 🌱 We value deep expertise, but a growth mindset and good energy are what really make our team click. We’re a group that chooses to lift each other up and think smart every day. A sharp eye for detail: A meticulous approach to checking figures and ledgers in a fast-paced environment where minor mistakes have a direct financial impact. Comfortable with data: Happy looking at transactional data to spot trends, anomalies, or system drops, using Excel or basic data dashboards. Practical problem-solving: The ability to track down ambiguous payment exceptions and handle manual workarounds calmly when things don't go to plan. Operations experience: Background working in a high-volume transactional environment (e.g. Fintech, payment processing, retail banking, or busy financial administration). CASS or Client Money awareness: A good baseline understanding of safeguarding client funds and working within an FCA-regulated environment. Able to proactively identify ways to use Generative AI to streamline your daily tasks and improve your personal productivity Confident using approved AI tools safely and effectively to enhance your output and find a better way of working We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you. Why join us? 💜 We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026 ! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us! Our Circler Proposition focuses on five areas: Flexibility: We provide a benefit allowance you can tailor to your own life and family. Health: This includes private medical and dental, health assessments, and access to a digital GP. Wealth: We offer life assurance, share schemes, and financial coaching. Development: You get a dedicated annual learning allowance to help you level up. Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans. We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family. Ready to join a mission that matters? We’d love to chat!