Data‑Driven Credit Underwriter (Near-Prime)

Kroo Bank Ltd; Greater London; Hybrid; GBP 45,000 - 60,000; Full time

Job summary

A leading fintech company in Greater London seeks a Credit Underwriter to analyze consumer credit applications. You will make lending decisions based on open banking data and credit insights while ensuring compliance with regulations. Ideal candidates have at least 2 years of experience in underwriting and a strong understanding of credit risk. Join us to contribute to our mission and enjoy an engaging hybrid work environment with excellent benefits.

Benefits

25 days annual leave

3 personal days

Employer-sponsored volunteer program

Mental health support

Workplace pension

Top-notch equipment

Modern office

Cycle to Work scheme

Electric Car scheme

Enhanced parental leave

Full healthcare for your family

Qualifications

• Experience in credit underwriting or credit risk environment.
• Understanding of consumer lending and credit risk principles.
• Ability to analyze open banking data.

Responsibilities

• Assess consumer credit applications up to £25,000.
• Perform detailed income and affordability analysis.
• Make approval or decline decisions in line with policy.

Skills

Analytical skills

Attention to detail

Communication skills

Education

2+ years in credit underwriting or credit risk

Job description

A leading fintech company in Greater London seeks a Credit Underwriter to analyze consumer credit applications. You will make lending decisions based on open banking data and credit insights while ensuring compliance with regulations. Ideal candidates have at least 2 years of experience in underwriting and a strong understanding of credit risk. Join us to contribute to our mission and enjoy an engaging hybrid work environment with excellent benefits.