At a Glance
- Tasks: Assess lending opportunities and ensure customer needs are met with sustainable solutions.
- Company: Join Tandem, a fast-growing challenger bank shaping the future of sustainable banking.
- Benefits: Up to £28,000 salary, 20% bonus, 25 days leave, and flexible hybrid work.
- Other info: Recognised as a Great Place to Work with diverse teams and excellent career growth opportunities.
- Why this job: Make a real impact in financial services while enjoying a supportive and dynamic workplace.
- Qualifications: Experience in financial services, strong attention to detail, and excellent customer service skills.
The predicted salary is between 60750 - 74250 £ per year.
Job Title: Underwriter (Motor Finance)Salary: up to £28,000 and up to 20% bonus and benefits
Location: Hybrid work from our Cardiff offices (Wednesdays and Thursdays in office), during the initial training period you may need to be in the office slightly more often.
After your initial training period, you'll be added to the below rota pattern, which includes weekend work and the option to work bank holidays
Working
Pattern: 36.25 hours per week, main shift 09.00-17.00, one week in four you will work 10.00-18.00Weekend
Work: You will need to work one weekend in four, with a lieu day for the Saturday the week before and a lieu day for the Sunday the week after.
These are all rota'd out so you'll have plenty of notice for what your shift pattern will look like
Bank
Holidays: this team have the option to work bank holidays (apart from Christmas Day, Boxing Day and Easter Sunday), you will be paid overtime for any bank holidays worked Shaping the future of sustainable digital banking
Launched in 2014 as one of the UK's original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.
People join Tandem because they want to shape something meaningful.
Here, you'll use your skills to create products that empower people to make better financial choices and lower their environmental impact.
We're big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.
Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 - a list of the fastest growing tech companies in Britain, reflective of our growing industry presence.
Tandem was also awarded Investor in Customers' Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.
Tandem is growing fast and helping to shape the future of sustainable banking.
Your team: Collaborators in change
Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers.
Reporting to the Underwriting Team Leaders and Underwriting Manager, the Underwriter will be accountable for the achievement of short, medium and long-term plans to ensure that lending activities meet customer needs & regulatory requirements and individual conduct rules, as well as achievement of the agreed business KPI metrics.
They will accurately assess and manage all lending opportunities to effectively decide in line with company policies and procedures, ensuring we deliver robust affordability, sustainability, credit worthiness and positive customer outcomes.
- Your Impact: Building a sustainable tomorrow
- Ensuring SLA's are met and when possible, exceeded for our intermediaries and customers
- Excellent understanding of our Credit policies, lending rules and appetite
- Sound Commercial understanding
- Good understanding of the FCA rulebook and ability to demonstrate the desired outcomes
- Ensuring our Fair and Green outcomes are upheld and championed
- Ownership of individual performance and personal development.
- Represent the department and positively contribute to relevant committee meetings/projects groups.
- Maintain good level of knowledge of the relevant industry sector.
- Accountability for individual performance and contribution to achieve KPI's set by the business.
- Ownership of individual performance and personal development
- Ensure all information for customers and creditors is correct prior to loan pay-out.
- Processing loan pay-out and handling return of funds
- Handling dealer and broker queries over telephone and email
We'd love to hear from you if you have
- Experience in a similar role within a financial services lending environment.
- Excellent attention to detail and a desire to provide excellent customer service.
- Ability to self-motivate and use own initiative to achieve individual target
- Strong computer literacy including working experience on Microsoft Office
- Some call centre or telephony support experience
- Good document validation skills
It would be great, but not essential if you have
- Good organisational and time management skills resulting in the ability to prioritise tasks to meet tight deadlines.
- Ability to positively contribute to a team.
- Excellent written and oral communication skills.
- Good questioning techniques.
- Good investigative skills.
Rewards that reflect your value, what's in it for you?
At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer:
- 25 days annual leave plus 8 days Bank Holiday
- An additional day off for a ' celebration day ' including, but not limited to, birthdays, weddings, religious holidays, graduations etc
- #J-18808-Ljbffr
Underwriter (Motor Finance) in Cardiff employer: tandemmoneylimited
Tandem is an exceptional employer, offering a vibrant work culture that values diversity and collaboration, making it a great place for Underwriters to thrive. With a strong focus on employee growth, competitive benefits including 25 days of annual leave, and recognition as one of the Best Places to Work, Tandem empowers its team to shape the future of sustainable banking while enjoying a balanced hybrid work environment in Cardiff.
StudySmarter Expert Advice🤫
We think this is how you could land Underwriter (Motor Finance) in Cardiff
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like tandemmoneylimited. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Underwriter (Motor Finance) in Cardiff
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to tandemmoneylimited.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on tandemmoneylimited's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at tandemmoneylimited
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with tandemmoneylimited.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at tandemmoneylimited will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former tandemmoneylimited employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
