Motor Underwriter in Cardiff

Admiral Money is hiring! We’re looking for a Motor Underwriter who thrives in a fast‑paced and innovative environment. You’ll play a key role in shaping our new product offering, working closely with the Motor Underwriting team to ensure processes are efficient, effective, and deliver exceptional customer experiences. You’ll manage your workload with accuracy and attention to detail, making informed decisions on applications submitted online or through dealerships. Bringing a strong customer and business focus, you’ll contribute to a collaborative team culture, sharing knowledge and best practice. As our product range grows, you’ll support underwriting across additional areas, always maintaining high standards and meeting SLAs to ensure a positive and seamless customer journey. This is a great opportunity for someone ambitious, motivated, and eager to develop within a growing lending business.

About Us: Admiral Money is the dynamic lending arm of Admiral Group, offering personal loans, motor finance, and homeowner loans since 2017. We’re building something special for our customers and are looking for curious, driven individuals ready to learn, take on challenges, and make an impact. We’re proud to be a certified Great Place to Work for over 25 years, with recognition for Women and Wellbeing. Our inclusive culture empowers everyone to Be You.

• Checking applications meet criteria of requested product (dealer, digital and unsecured), assess ID&V tools, credit eligibility alongside affordability rationale.
• Serve as a subject matter expert for the Underwriting team supporting optimisation of policies and process.
• Support achieving KPIs and SLA’s.
• Ensure that best practice and expertise are shared across the operational teams and business where appropriate.

• Previous motor finance underwriting experience with a focus on positive customer outcomes.
• Strong analytical skills.
• Excellent attention to detail.
• Confident communicator across all levels of the business.
• Professional telephony skills with experience engaging customers and dealers.
• Strong literacy and numeracy.
• Collaborative team player who builds positive relationships and contributes to a supportive team culture.
• Open to coaching, development, and feedback.
• Motivated, resilient, and comfortable working in a fast‑paced environment.
• Able to meet deadlines and achieve KPIs.
• Proactive, organised, and able to manage workload independently.
• Positive, can‑do attitude and supportive of business change.
• Willing to share ideas and contribute to continuous improvement.

• Knowledge of FCA regulations.
• Experience with: Open Banking, CIFAS, SIRA, LexisNexis.

Your usual working hours for this role is 37.5 hours per week and working patterns are designed around customer demand. Business hours are between 08.00-20.00 Monday to Friday, 08.00-18.00 on Saturday and Sunday. Your specific shift pattern will be assigned by your line manager. When you work a Saturday or Sunday you are entitled to a day off in lieu in the week and you will always be given reasonable notice for any shift change.

We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people‑first culture where everyone is accepted, supported, and empowered to be brilliant. You can grow and progress at a pace and direction that suits you, make a difference for our customers and each other, and share in our future. All eligible colleagues receive up to £3,600 of free shares each year after one year of service. Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days. You also have the option to buy or sell up to an additional five days of annual leave. We’re proud of our people‑first culture and have been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to ensuring progression is never slowed by barriers related to race, gender, age, sexuality or any of the protected characteristics. Our fantastic benefits make sure our colleagues have a great work‑life balance.