At a Glance
- Tasks: Own credit evaluations and improve workflows for SME lending.
- Company: Exciting fintech startup with £49M funding and experienced leadership.
- Benefits: Be part of a high-performing team with significant growth potential.
- Other info: Dynamic role with opportunities to innovate and grow your career.
- Why this job: Shape the future of lending and make impactful decisions from day one.
- Qualifications: 2-4 years in SME underwriting; SQL or Python skills are a bonus.
The predicted salary is between 45000 - 55000 £ per year.
Join a high-growth fintech as an early hire shaping the future of SME lending. You will own end-to-end credit evaluations while building the workflows and risk frameworks necessary to scale. Working directly with the Head of Credit, you’ll help bridge the gap between traditional underwriting and automated, data-driven decisioning.
Location: London, UK
Why this role is remarkable:
- Significant financial backing with a recently closed £4M equity and £45M debt Series A round to fuel rapid scaling.
- Opportunity to work directly under the Head of Credit (ex-iwoca) in a lean, high-performing team where your ideas are implemented.
- Career-defining "builder" role where you shape the credit function and internal tools from the ground up rather than being a cog in a machine.
What You Will Do:
- Own the end-to-end credit evaluation process for SME applicants, performing deep-dive financial analysis and delivering fast, accurate lending decisions.
- Identify bottlenecks in current workflows and implement process improvements to increase speed-to-decision without compromising risk profiles.
- Collaborate cross-functionally with Sales and Product teams to automate manual checks and enhance proprietary risk models and decisioning engines.
The ideal candidate:
- 2–4 years of hands-on SME underwriting experience specifically within a UK fintech or modern alternative lending environment.
- High-output mindset with the ability to analyze P&L statements, balance sheets, and bank transactions at a high volume.
- Self-starter "builder" DNA with a desire to define new playbooks; familiarity with SQL or Python for data analysis is a strong plus.
Credit Analyst / Underwriter at Series A fintech lender with £49M in funding employer: Jack & Jill
Join a dynamic and innovative fintech lender in London, where you will play a pivotal role in shaping the future of SME lending. With significant financial backing and a collaborative work culture, this is an exceptional opportunity for personal and professional growth, allowing you to implement your ideas directly under experienced leadership. Embrace a career-defining role that empowers you to build and refine credit processes in a fast-paced environment, making a meaningful impact from day one.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst / Underwriter at Series A fintech lender with £49M in funding
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work at companies similar to the one you're eyeing. A friendly chat can lead to insider info and maybe even a referral!
✨Tip Number 2
Prepare for interviews by diving deep into the company’s mission and values. Show them you’re not just another candidate; you’re genuinely excited about shaping the future of SME lending with them.
✨Tip Number 3
Practice your pitch! Be ready to explain how your experience aligns with their needs, especially your hands-on underwriting skills. Make it clear that you’re the 'builder' they need to enhance their credit function.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who take that extra step to connect with us directly.
We think you need these skills to ace Credit Analyst / Underwriter at Series A fintech lender with £49M in funding
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Credit Analyst / Underwriter. Highlight your experience in SME underwriting and any relevant skills like financial analysis or familiarity with SQL/Python. We want to see how you can fit into our high-growth fintech environment!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're excited about joining us at StudySmarter and how your background aligns with our mission. Be genuine and let your personality come through – we love seeing the real you!
Showcase Your Problem-Solving Skills:In your application, don’t just list your responsibilities; share specific examples of how you've identified bottlenecks and implemented improvements in previous roles. We’re looking for self-starters who can help us build and scale our credit function!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity. Plus, it shows us you’re keen to be part of our team!
How to prepare for a job interview at Jack & Jill
✨Know Your Numbers
Brush up on your financial analysis skills, especially around P&L statements and balance sheets. Be ready to discuss specific examples from your past experience where you made lending decisions based on these metrics.
✨Understand the Company’s Vision
Research the fintech landscape and understand how this company fits into it. Familiarise yourself with their recent funding rounds and what that means for their growth. This will show your genuine interest in the role and the company.
✨Prepare for Process Improvement Questions
Think about times you've identified bottlenecks in workflows and how you improved them. Be prepared to share specific strategies you implemented to enhance efficiency without compromising risk.
✨Showcase Your 'Builder' Mindset
This role is all about shaping processes from the ground up. Share examples of how you've taken initiative in previous roles, whether it was developing new playbooks or automating tasks. Highlight your self-starter attitude and readiness to innovate.
