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- Tasks: Lead the Underwriting team, optimising processes and improving efficiency through AI and automation.
- Company: Join Updraft, a fast-growing fintech revolutionising financial management in London.
- Benefits: Enjoy flexible hybrid working, pension, medical plan, and career growth opportunities.
- Why this job: Make a real impact on financial freedom while working with cutting-edge technology.
- Qualifications: Experience in consumer lending underwriting and strong leadership skills required.
- Other info: Be part of a dynamic start-up culture with a focus on innovation and collaboration.
The predicted salary is between 48000 - 72000 £ per year.
Updraft is an award-winning, FCA-authorised, high-growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day-to-day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts, and other loans.
We have built scale and are getting well recognised in the UK fintech ecosystem with over 800k users of our mobile app that has helped users swap approximately £500 million of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health. The product is highly rated by our customers, with ratings of 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.
We are looking for exceptional talent to join us on our next stage of growth with a compelling proposition - purpose you can feel, impact you can measure, and ownership you will actually hold. Expect a hybrid, London-hub culture where cross-functional squads tackle real-world problems with cutting-edge tech; generous learning budgets and wellness benefits; and the freedom to experiment, ship, and see your work reflected in customers' financial freedom. At Updraft, you will help build a fairer credit system.
The role will lead Updraft's Underwriting team and will be responsible for all of the procedures within Underwriting, constantly improving them to optimise speed of decision with business outcomes. Responsibilities include:
- Owning the Underwriting policy and procedures, making continual improvements to ensure they align with new business campaigns and application types.
- Reviewing cases where a customer has been a victim of fraud to determine the appropriate outcome.
- Providing regular feedback to the Credit Risk team on the quality of referrals and opportunities for improvement.
- Delivering fast-paced change through automation and AI to improve process efficiency and effectiveness.
- Leading a team of human and AI agents to deliver against Underwriting targets.
- Personally reviewing referrals, when necessary, to ensure the team remains within SLA.
- Presenting key MI to the leadership team on a regular basis, alongside plans for continual performance improvement.
- Working closely with Data Science, Engineering, Compliance, and other customer-facing teams to ensure decisions support both customer outcomes and regulatory standards.
Qualifications:
- Strong background in Underwriting within Consumer Lending.
- Familiarity with start-up culture and comfort with fast-paced, evolving environments.
- Proven track record of improving efficiency through the use of AI and automation.
- Proven experience in leading teams and managing cross-functional initiatives.
- Strong interpersonal skills to collaborate with stakeholders and provide updates to the leadership team effectively.
- Previous experience with consumer finance, particularly in credit cards, personal loans, or buy-now-pay-later products.
Benefits include flexible hybrid working, pension and medical plan, and opportunities for career growth within a high-growth fintech.
Underwriting Manager employer: updraft.com
Contact Detail:
updraft.com Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriting Manager
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those at Updraft. A friendly chat can open doors that a CV just can't.
✨Tip Number 2
Show off your skills! Prepare a portfolio or case studies that highlight your experience in underwriting and automation. Bring these along to interviews to really impress.
✨Tip Number 3
Be ready to discuss your ideas! Updraft is all about innovation, so think about how you can improve their underwriting processes with AI and automation before your interview.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you're genuinely interested in joining the Updraft team.
We think you need these skills to ace Underwriting Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriting Manager role. Highlight your experience in consumer lending and any relevant achievements that showcase your ability to improve processes through AI and automation.
Craft a Compelling Cover Letter: Your cover letter should tell us why you're passionate about fintech and how you can contribute to Updraft's mission. Share specific examples of how you've led teams or improved underwriting processes in the past.
Showcase Your Leadership Skills: We want to see your leadership style! Include examples of how you've managed cross-functional teams and driven significant process improvements. This will help us understand how you can lead our Underwriting team effectively.
Apply Through Our Website: Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity at Updraft.
How to prepare for a job interview at updraft.com
✨Know Your Underwriting Stuff
Make sure you brush up on your underwriting knowledge, especially in consumer lending. Be ready to discuss specific cases where you've improved processes or made decisions that positively impacted business outcomes.
✨Show Off Your Tech Savvy
Since Updraft is all about automation and AI, come prepared with examples of how you've used technology to enhance efficiency in previous roles. Highlight any experience you have with data science or engineering collaboration.
✨Emphasise Your Leadership Skills
Be ready to talk about your leadership style and how you've successfully managed teams in fast-paced environments. Share specific instances where you've led cross-functional initiatives and the results they achieved.
✨Understand the Company Culture
Familiarise yourself with Updraft's mission and values. Show enthusiasm for their vision of revolutionising financial management and be prepared to discuss how you can contribute to their goals in a hybrid, innovative work environment.
