Underwriter in Manchester

About Selina

At Selina Finance, our mission is to provide exceptional value with simple and flexible financial products. We’re achieving this by building a next‑generation digital lender targeting homeowners across the UK. More than £2tn of equity value is locked up in UK homes, while homeowners still need to rely on high‑interest‑rate consumer loans, credit cards, or overdrafts. We believe this is unfair and unnecessary. We offer a financing product unlike anything else out there, one that is as flexible as a current account, as affordable as a mortgage, and as easy to apply for as a consumer loan.

Why Join Us

• 19 different nationalities across our London + Manchester offices.
• Voted as ‘one of the fastest‑growing businesses in the UK’ by Business Leader Growth 500 for 2025.
• Voted top 30 of ‘Tempos 100 best start‑ups to work for 2023’.
• Disability Confident committed employer.
• BCorp certified.
• Rated highly in our employee survey on Workplace Culture, Work Life/Balance, and Employee Recognition.

Who We Are Looking For

Selina Finance understands that the secured lending landscape is changing, and to be the industry‑leading lender, we want underwriters who think differently. We are looking for individuals with strong financial analysis skills and who understand the importance of embracing technology in their roles. The ability to handle multiple scenarios of varying complexity is a key requirement, along with a keen attention to detail. If you enjoy managing the balance between effective policy application and commercial objectives whilst developing yourself within a fast‑paced, ambiguous environment, we would like to speak to you.

What Will You Be Doing

• Efficiently underwrite second‑charge residential applications with a clear focus on quality and service.
• Analyse documentation (income evidence, credit files, and valuations).
• Build detailed knowledge of our lending criteria and operational processes.
• Maintain a strong individual work ethic whilst being an integral part of a high‑performing team.
• Continuously develop yourself to elevate your impact and push your colleagues to be the best they can be.
• Build strong relationships with key stakeholders to provide industry‑leading service to all parties.
• Approve applications for offer within your role‑specific mandate level.
• Shape the business through appropriate project participation and upskill yourself by engaging with our talented and diverse workforce.

About You

• A minimum of one year’s mandated underwriting experience within a second charge lending environment.
• Strong pipeline management skills, with the ability to remain focused and organised under pressure.
• A genuinely customer‑centric mindset, with a passion for delivering an industry‑leading experience to all stakeholders.
• Excellent communication skills, with the ability to manage stakeholder expectations at all levels.
• Enthusiasm for joining a fast‑paced fintech scale‑up and contributing to its continued growth.

What We Offer

• £35,000 – £37,500 base salary, dependant on experience.
• 25 days' annual leave, plus bank holidays.
• 30 days’ work‑from‑anywhere allowance.
• Bi‑annual discretionary bonus.
• Volunteering allowance.
• Growth shares.
• Annual learning & development budget.
• Cycle‑to‑work scheme.
• 3% pension contribution.
• Monthly socials.
• Free access to mental health support via ‘Spill’.
• Choice of benefits via our benefits platform ‘Thanks Ben’.
• Annual £60 cycle allowance for Santander cycles or Evans via ‘Thanks Ben’.
• Workplace nursery benefit, allowing eligible nursery costs to be paid via salary sacrifice.

Our Values

• Take ownership – act as owners, make decisions in the best interest of the company, and solve problems rather than find barriers.
• Customer obsessed – relentlessly focus on customer experience and deliver value.
• Drive change – embrace disruption, innovate, and move fast to deliver.
• Empower our team – foster collaboration and teamwork to achieve great outcomes.

Equal Opportunity

We are an equal opportunities employer and are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable. We also welcome and encourage applications from traditionally underrepresented categories, and provide feedback to any candidate we interview, even if that feedback is speaking to another candidate being more suitable for the role.