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- Tasks: Make real-time credit decisions and support analytics using SQL and Python.
- Company: Join a digital-first, values-led business revolutionising consumer finance in the UK.
- Benefits: Enjoy fully remote work, a collaborative culture, and opportunities for skill growth.
- Why this job: Be part of an ambitious team making a positive impact in finance from day one.
- Qualifications: Experience in underwriting unsecured loans or a strong analytical background is essential.
- Other info: This role offers a chance to take ownership and shape credit strategy.
The predicted salary is between 24000 - 28000 £ per year.
This is a brilliant opportunity to join a digital-first, values-led business that’s already made serious waves in the consumer finance space. With a growing product set spanning Buy Now Pay Later, credit cards and business finance, they’re helping people buy everything, everywhere, every day and doing it in a smarter, fairer way.
They’ve built a strong foundation and are now growing their UK operation, giving you the chance to join early, take ownership and make a difference from day one. The culture is collaborative, energising and full of people who care deeply about doing good work. They’re now looking for someone who can help them grow by joining as a Credit Underwriter / Credit Risk Analyst.
You’ll be making real-time credit decisions while also using SQL and Python to support wider portfolio analysis. Whether you’re an experienced underwriter with a growing interest in analytics, or already blending both worlds, this role gives you the chance to stretch yourself and make an impact.
To be successful, you’ll need experience underwriting unsecured personal loans or be an analyst who is happy/comfortable to help with the Underwriting side too. You’ll also have a good understanding of credit risk. You’ll also need to be comfortable working independently, spotting risks, and making confident calls that balance risk with growth.
- Reviewing and assessing consumer credit applications across a growing portfolio
- Spotting risk and fraud, and making clear, well-reasoned credit decisions
- Supporting analytics projects using SQL and Python (bonus)
- Generating insights on performance and helping shape credit strategy
- Taking ownership of your work in a fast-paced and fully remote environment
- Working with credit risk strategies and understanding affordability models
- Using SQL or Python, or a willingness to learn and build your analytical toolkit
- Balancing commercial thinking with attention to detail
- Being part of a remote team where trust, autonomy and collaboration are key
You’ll be joining a business that’s ambitious, inclusive and expanding across the UK. There’s loads to get stuck into, and a real opportunity to grow your skills across both underwriting and analytics.
Underwriter/ Credit Risk Analyst | Fully Remote | £30k - £35k employer: Skillful
Contact Detail:
Skillful Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter/ Credit Risk Analyst | Fully Remote | £30k - £35k
✨Tip Number 1
Familiarise yourself with the latest trends in consumer finance, especially in areas like Buy Now Pay Later and credit cards. This knowledge will not only help you understand the company's products better but also demonstrate your genuine interest during any discussions.
✨Tip Number 2
Brush up on your SQL and Python skills, as these are crucial for the role. Consider working on small projects or online courses that allow you to apply these skills practically, which can give you an edge when discussing your capabilities.
✨Tip Number 3
Prepare to discuss real-life scenarios where you've made credit decisions or analysed risk. Having concrete examples ready will showcase your experience and ability to balance risk with growth effectively.
✨Tip Number 4
Emphasise your ability to work independently in a remote setting. Share experiences that highlight your self-motivation and how you've successfully collaborated with teams from a distance, as this aligns with the company's culture.
We think you need these skills to ace Underwriter/ Credit Risk Analyst | Fully Remote | £30k - £35k
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in underwriting and credit risk analysis. Use specific examples that demonstrate your ability to make confident credit decisions and your familiarity with SQL and Python.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention how your skills align with their values and culture, and provide examples of how you've successfully balanced risk with growth in previous roles.
Showcase Analytical Skills: If you have experience with SQL or Python, be sure to include this in your application. If you're willing to learn, mention your eagerness to develop these skills further, as they are crucial for supporting analytics projects.
Highlight Remote Work Experience: Since the position is fully remote, emphasise any previous remote work experience. Discuss how you manage your time effectively, communicate with team members, and maintain productivity in a remote setting.
How to prepare for a job interview at Skillful
✨Showcase Your Analytical Skills
Since the role involves using SQL and Python for portfolio analysis, be prepared to discuss your experience with these tools. Share specific examples of how you've used data analysis to make informed credit decisions or improve processes.
✨Demonstrate Risk Assessment Knowledge
Understanding credit risk is crucial for this position. Be ready to explain your approach to assessing consumer credit applications and how you identify potential risks and fraud. Use real-life scenarios to illustrate your thought process.
✨Emphasise Independence and Ownership
This role requires working independently in a remote environment. Highlight your ability to take ownership of your work and make confident decisions. Discuss any previous experiences where you successfully managed projects or tasks autonomously.
✨Align with Company Values
The company values collaboration and doing good work. Research their mission and values, and be prepared to discuss how your personal values align with theirs. This will show that you're not just a fit for the role, but also for the company culture.
