Consumer Underwriter (3 months FTC)

Octopus Energy Germany GmbH; Greater London; Vor Ort; GBP 40.000 - 60.000; Vollzeit

Benefits dieser Stelle

Dog-friendly office

Employee benefits hub

Zusammenfassung

Octopus Electric Vehicles is hiring a Credit Underwriter to join the in-house underwriting team in London. You will assess credit risk for B2B contract hire and salary sacrifice products, and help expand consumer credit assessments.

You’ll manage day-to-day underwriting, review escalations, and contribute to consumer scorecards and policies. Experience with vehicle leasing and automated decisioning platforms such as Lending Metrics is desirable.

Qualifikationen

• Willingness to process and evaluate credit applications across consumer and corporate segments.
• Ability to interpret credit data and KPIs provided by clients.
• Experience in underwriting roles and knowledge of credit policies.
• Familiar with automated decisioning platforms such as Lending Metrics.
• Experience in vehicle leasing.

Aufgaben

• Manage day-to-day credit and underwriting process.
• Review and manage credit escalations and referrals.
• Own underwriting decisions for clients not covered by auto-underwriting (up to an agreed limit).
• Support in development of consumer scorecards, underwriting policy, process and systems.

Kenntnisse

Credit underwriting

Credit policy

Automated decisioning

Vehicle leasing

Credit analysis

Underwriting experience

Tools

Lending Metrics

Jobbeschreibung

What we do. Electric Car Leasing

Why we do it. Greener. Fairer. Future.

We’re continuing to build our in-house underwriting team at Octopus Electric Vehicles. The focus is currently on expanding our underwriting capability for B2B credit risk for our business contract hire and salary sacrifice products but also includes assessing consumer credit.

We’re creating a new set of policies, processes and tech tools to efficiently and accurately assess credit risk. To help us do that, we’re hiring a Credit Underwriter.

Our goal is to become an industry leader in our ability to provide quick credit line decisions to both B2B and consumer clients. We will build and invest in best in class technology and datasets to help you achieve that goal.

What you'll do

• Manage the day-to-day credit and underwriting process

• Review and manage credit escalations and referrals

• Own underwriting decisions for clients not captured by our auto-underwriting process (up to an agreed limit, based on experience)

• Support in development of consumer scorecards, underwriting policy, process and systems

What you'll need...

• Willingness to get hands on with processing and evaluating credit applications ranging from consumer to larger corporates (essential)

• Ability to interpret credit application information - e.g. accounts and KPIs provided by clients (essential)

• Experience & underwriting role

• Knowledge of credit policies

• Familiar with automated credit decisioning platforms (e.g. Lending Metrics)

• Experience in vehicle leasing

Why else you'll love it here

• Wondering what the salary for this role is? Just ask us! On a call with one of our recruiters it's something we always cover as we genuinely want to match your experience with the correct salary. The reason why we don't advertise is because we honestly have a degree of flexibility and would never want salary to be a reason why someone doesn't apply to Octopus - what's more important to us is finding the right octofit!
• Octopus Energy Group is a unique culture. An organisation where people learn, decide, and build quicker. Where people work with autonomy, alongside a wide range of amazing co-owners, on projects that break new ground. We want your hard work to be rewarded with perks you actually care about! Visit our perks hub - Octopus Employee Benefits
• Octopus Electric Vehicles, part of the Octopus Energy Group, won the Sunday Times best company to work for in 2024. We were named 6th out of the top 100 start-ups to work for by Tempo in 2025 and on Glassdoor we were voted 50 best places to work in 2022. Our Group CEO, Greg has recorded a podcast about our culture and how we empower our people. We’ve also been placed in the top 10 companies for senior leadership
• P.s. just to let you know, we are dog friendly company so you may see our 4 legged friends in the offices - feel free to bring yours! Rest assured though, we've taken lots of precautions for those who have allergies

About us

The electric revolution has arrived - and from 2035 you’ll no longer be able to buy a new petrol or diesel car in the UK.

We’re building a whole new way for drivers to join the electric charge and not only learn about and shop for their EV online, but experience a 'lease for life' through an industry changing customer experience. This is the chance to join one of the UK’s most exciting start-ups – making it easy for individuals and businesses to go electric by getting their car, charger and energy all in one cracking deal.

Octopus Electric Vehicles launched in 2018 to make it seamless to switch to cleaner, greener driving. Our mission is to drive sustainable change, decarbonise the planet and provide our customers with fair pricing and a fantastic experience.

We're an Octopus Energy company—an innovative new energy supplier. We are part of the Octopus Energy Group, which seeks to improve the lives of millions of people by transforming the industries we operate in. The Octopus Group incorporates Octopus Energy, Octopus Healthcare, Octopus Investments, Octopus Property, Octopus Ventures and Octopus Labs.

If this sounds like you then we'd love to hear from you.

Are you ready for a career with us? We want to ensure you have all the tools and environment you need to unleash your potential.Need any specific accommodations?Whether you require specific accommodations or have a unique preference, let us know, and we'll do what we can to customise your interview process for comfort and maximum magic!

Studies have shown that some groups of people, like women, are less likely to apply to a role unless they meet 100% of the job requirements. Whoever you are, if you like one of our jobs, we encourage you to apply as you might just be the candidate we hire. Across Octopus, we're looking for genuinely decent people who are honest and empathetic. Our people are our strongest asset and the unique skills and perspectives people bring to the team are the driving force of our success. As an equal opportunity employer, we do not discriminate on the basis of any protected attribute. Our commitment is to provide equal opportunities, an inclusive work environment, and fairness for everyone.