Lending Credit Underwriter - Data-Driven Decisions

Hastings Direct; Bexhill-on-Sea; Hybrid; GBP 23,000 - 31,000; Full time

Benefits offered by this job

Bonus up to 5%

Hybrid working

Life insurance

Pension match up to 10%

Discount Hastings Direct products

Tech scheme

Refer a friend

Job summary

Hastings Direct in the United Kingdom is seeking a Credit Underwriter in Lending to help build and grow the underwriting function from the ground up. You will assess loan applications using market–leading software and data to decide on approvals or declines, while handling outbound calls and emails to support customers through their journey.

This role offers 37.5 hours per week with hybrid working and an initial 4–6 weeks of face‑to‑face training.

Qualifications

• Background in underwriting ideally gained from within a financial services organisation (consumer credit preferable)
• Knowledge of financial services regulation including the Consumer Credit Act (CCA)
• Underlying focus on customer service, comfortable conversing with customers on phone & email
• Proactivity in identifying process improvements to help improve commercial & customer outcomes
• Keen eye for detail and the ability to interpret relatively complex data sets
• Strong problem-solving mindset
• Willingness and ability to learn a new product line and apply existing skills in a new area
• Excellent communication, engagement and development of people skills
• Understanding of and ability to interpret customer Credit Reports (TransUnion/Equifax), CIFAS, SIRA and Iovation a distinct advantage

Responsibilities

• Analyse loan applicant’s financial information in line with our lending criteria to determine loan viability and risk
• Utilise the various data points available to you including credit reports and application data to aid in your decision making
• Review customer documentation such as open banking data and ID documents to help determine both credit viability, including affordability, and also to help identify potential fraud risk
• Making outbound calls to support our customers on their journey through their loan application with us
• Key KPI’s will include time to decision, accept rates, bad debt and fraud rates
• Make suggestions to improve underwriting processes to help improve conversion rates, process efficiency and customer outcomes
• Ensure that you are meeting customers’ fair and reasonable expectations and provide fair outcomes. Question and challenge peers and managers where processes and procedures do not meet these expectations and any activity that does not place customers’ interests at the heart of how we do business
• Complete training as mandated by the company and as mandated by various regulators

Skills

Underwriting background

Financial services regulation

Customer service

Process improvement

Attention to detail

Problem solving

Learning agility

Communication skills

Credit reports awareness

Job description

Hastings Direct in the United Kingdom is seeking a Credit Underwriter in Lending to help build and grow the underwriting function from the ground up. You will assess loan applications using market–leading software and data to decide on approvals or declines, while handling outbound calls and emails to support customers through their journey.

This role offers 37.5 hours per week with hybrid working and an initial 4–6 weeks of face‑to‑face training.