At a Glance
- Tasks: Underwrite finance proposals and enhance our underwriting process for small businesses.
- Company: Join a top UK fintech recognised for supporting small businesses with innovative funding solutions.
- Benefits: Real Living Wage, hybrid work model, and opportunities for professional growth.
- Other info: Collaborative culture with a focus on flexibility and team success.
- Why this job: Make a real impact on small businesses while developing your skills in a dynamic environment.
- Qualifications: Experience in underwriting, strong analytical skills, and excellent communication abilities.
The predicted salary is between 50000 - 60000 € per year.
We have provided over $3bn of funding to small businesses so far. We have been named in CNBC & Statista Top 150 UK Fintechs for 2025. We are a global team, with a dynamic presence in 6 key locations around the world. We are a thriving community of over 290 innovative minds. Our team brings experience from over 740 previous companies, from startups to global giants. We have just been named as one of FinTech’s Finest 50 by Welcome to the Jungle. We’re proud to be an accredited Real Living Wage employer, ensuring everyone is paid fairly for the great work they do!
Who We Are: We are the Underwriting team responsible for decisioning Liberis applications in the UK/EU and a key enabler of the business’s rapid growth. Using a variety of data sources, we make fast, informed decisions for our prospective merchants. We’re building a centre of excellence for business decisioning, combining Liberis’ deep product knowledge with excellent local market understanding wherever we operate. Our Underwriting team plays a vital role not only in decisioning applications but also in working across Liberis to provide merchants with a great experience and access to the funding they need to thrive.
Who You Are: We are looking for an exceptional individual to join as a Senior Underwriter. Beyond underwriting applications, you will play a key role in steering our rapidly growing business. You embrace challenge, enjoy autonomy, and bring your own ideas to the table. You are passionate about finance that supports small businesses, not just turning a profit. You thrive on engaging with stakeholders across the company and driving business success. Reporting to the Senior Underwriting Manager, you will be responsible for underwriting new and repeat finance proposals that protect and deliver value to Liberis. You will have the opportunity to enhance our underwriting process while ensuring we remain within the organization’s risk appetite. You have experience in a similar underwriting role, particularly in small business finance, and can demonstrate strong judgment and the ability to mitigate risk effectively. You can analyze complex financial information, identify trends and opportunities, and communicate your decisions clearly to both internal stakeholders and merchants.
What you will be doing:
- Underwrite new and repeat business requests, analyzing multiple sources of information to make robust decisions.
- Continuously develop the underwriting process to balance excellent merchant experience with protecting Liberis from risk.
- Collaborate with internal stakeholders to improve business processes and support merchants and partners effectively.
- Liaise directly with prospective merchants to gather additional information and communicate approve/decline decisions as needed.
- Serve as a referral point for internal stakeholders, ensuring policies and procedures are followed and providing credit guidance to collections on high-risk accounts.
- Manage external vendor relationships and contribute to onboarding new partners.
What We Think You’ll Need:
- Previous experience in an underwriting role, ideally in small business finance.
- Confidence in making decisions and articulating them effectively.
- Strong attention to detail and meticulous analytical skills.
- Excellent verbal and written communication skills; able to convey complex findings clearly and logically.
- Ability to refocus and adapt in a rapidly growing and evolving company.
- Strong ability to interpret management accounts, cash flow statements, credit bureau reports, and financial trends to assess affordability, sustainability, and overall credit risk.
What happens next? Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!
Our hybrid approach: Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week, but ideally 4 days. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.
Senior Underwriter employer: Liberis
At Liberis, we pride ourselves on being an exceptional employer that champions the growth and well-being of our team members. With a commitment to fair pay as a Real Living Wage employer, we foster a dynamic work culture that encourages innovation and collaboration, particularly in our vibrant office located in the heart of the UK. Our focus on employee development and the opportunity to make a meaningful impact in supporting small businesses makes us an attractive choice for those seeking a rewarding career in finance.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Underwriter
✨Tip Number 1
Network like a pro! Reach out to current employees at Liberis on LinkedIn and ask about their experiences. A friendly chat can give you insider info and might just get your foot in the door.
✨Tip Number 2
Prepare for the interview by understanding the company’s mission and values. Show us how your passion for supporting small businesses aligns with what we do at Liberis. We love candidates who share our vision!
✨Tip Number 3
Practice articulating your decision-making process. As a Senior Underwriter, you'll need to explain your thought process clearly. Use examples from your past experience to demonstrate your analytical skills and risk management.
✨Tip Number 4
Don’t hesitate to apply through our website, even if you’re unsure about meeting all the criteria. We value humility and are keen to see what unique skills you can bring to our team!
We think you need these skills to ace Senior Underwriter
Some tips for your application 🫡
Show Your Passion for Small Business Finance:When writing your application, let us see your enthusiasm for supporting small businesses. Share any relevant experiences or insights that highlight your commitment to helping them thrive, as this aligns perfectly with our mission at Liberis.
Be Clear and Concise:We appreciate clarity! Make sure your application is straightforward and easy to read. Use bullet points where necessary to break down your skills and experiences, especially those related to underwriting and risk assessment.
Tailor Your Application:Don’t just send a generic application! Take the time to tailor your CV and cover letter to reflect the specific requirements of the Senior Underwriter role. Highlight your experience in small business finance and how it relates to what we do at Liberis.
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 the role. Plus, it shows you’re keen on joining our dynamic team!
How to prepare for a job interview at Liberis
✨Know Your Numbers
As a Senior Underwriter, you'll need to demonstrate your ability to analyse complex financial information. Brush up on interpreting management accounts, cash flow statements, and credit reports. Be ready to discuss how you've used these skills in past roles to make informed decisions.
✨Showcase Your Decision-Making Skills
Confidence in making decisions is key for this role. Prepare examples of tough decisions you've made in previous underwriting positions. Highlight how you articulated your reasoning and the outcomes of those decisions to show your strong judgment.
✨Engage with Stakeholders
This position involves liaising with both internal stakeholders and prospective merchants. Think of ways you've successfully collaborated with others in the past. Be prepared to discuss how you can enhance the merchant experience while balancing risk.
✨Embrace the Company Culture
Liberis values flexibility and collaboration. Familiarise yourself with their hybrid working policy and be ready to discuss how you thrive in dynamic environments. Show that you're not just looking for a job, but a place where you can contribute to a thriving community.
