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- Tasks: Make real-time credit decisions and support portfolio analysis using SQL and Python.
- Company: Join a digital-first, values-led business revolutionising consumer finance in the UK.
- Benefits: Enjoy a fully remote role with opportunities for personal growth and skill development.
- Why this job: Be part of a collaborative culture where your contributions truly matter from day one.
- Qualifications: Experience in underwriting unsecured loans and a good understanding of credit risk is essential.
- Other info: This role offers a chance to blend underwriting with analytics in a fast-paced environment.
The predicted salary is between 30000 - 35000 £ 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. You’ll be trusted, supported and given the space to grow.
They’re now looking for someone who can help them grow by joining as a Credit Underwriter / Credit Risk Analyst. It’s a hands-on position, perfect for someone who thrives on variety. 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.
So, if you are comfortable with…
- Reviewing and assessing consumer credit applications across a growing portfolio
- Engaging with customers and gathering any additional information needed
- 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
- Collaborating across teams to improve processes and customer outcomes
- Taking ownership of your work in a fast-paced and fully remote environment
And have experience in…
- Underwriting in UK consumer lending, especially unsecured loans
- 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
- Communicating clearly and making good decisions under pressure
- Being part of a remote team where trust, autonomy and collaboration are key
Then this could be a brilliant next step for you. 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.
We are more than happy to send you a full spec or sing their praises over a brief call - just let us know what you prefer.
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 around Buy Now Pay Later schemes. Understanding these products will not only help you in interviews but also demonstrate your genuine interest in the role and the company.
✨Tip Number 2
Brush up on your SQL and Python skills, even if you're not an expert yet. Being able to discuss how you've used these tools in past roles or projects can set you apart from other candidates and show your willingness to learn.
✨Tip Number 3
Prepare examples of how you've successfully assessed credit applications or identified risks in previous roles. Having specific scenarios ready will help you articulate your experience and decision-making process during interviews.
✨Tip Number 4
Network with professionals in the credit risk and underwriting fields. Engaging with others in the industry can provide valuable insights and potentially lead to referrals, making your application stand out even more.
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 assess consumer credit applications and make informed decisions.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for the role and the company. Mention your experience with unsecured loans, your analytical skills with SQL or Python, and how you can contribute to their mission of smarter, fairer finance.
Highlight Relevant Skills: In your application, emphasise your skills in spotting risks, making confident credit decisions, and collaborating in a remote team. These are key attributes they are looking for in a candidate.
Show Enthusiasm for the Company Culture: Demonstrate your understanding of the company's values and culture in your application. Mention how you align with their collaborative and energising environment, and express your eagerness to contribute positively from day one.
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. If you have examples of how you've used them in previous roles, share those insights to demonstrate your analytical capabilities.
✨Understand Credit Risk Fundamentals
Make sure you have a solid grasp of credit risk concepts and affordability models. Be ready to explain how you assess risk in consumer lending and provide examples of your decision-making process in past underwriting experiences.
✨Demonstrate Independence and Ownership
This position requires someone who can work independently and take ownership of their decisions. Prepare to discuss situations where you've successfully managed projects or made critical decisions without direct supervision.
✨Emphasise Collaboration and Communication
As the role involves working within a remote team, highlight your ability to communicate effectively and collaborate with others. Share examples of how you've worked with cross-functional teams to improve processes or outcomes in previous roles.
