Underwriter

JR United Kingdom; Birmingham; Remote; GBP 45,000 - 65,000; Full time

Job summary

Une entreprise fintech en forte croissance recherche un souscripteur de crédits SME pour rejoindre son équipe. Dans ce rôle, vous serez responsable de l'évaluation des demandes de prêt, tout en ayant un impact sur les politiques de crédit et la stratégie de portefeuille dans un environnement dynamique. C'est une opportunité de contribuer à l'évolution des processus et d'améliorer la gestion des risques dans une société en expansion.

Qualifications

• Expérience avérée en souscription de crédits SME, idéalement en fintech.
• Capacité d'analyse avec une grande attention aux détails.
• Confiance pour défier les processus établis si nécessaire.

Responsibilities

• Souscrire des demandes de prêt pour les PME, en prenant des décisions équilibrées.
• Surveiller les performances du portefeuille et identifier des tendances.
• Collaborer avec d'autres équipes pour assurer une gestion des risques de crédit de haute qualité.

Skills

Commercial Awareness

Critical Thinking

Analytical Mindset

Clear Communicator

Job description

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SME Credit Underwriter | Remote (UK) | ASAP Start

About the Business

A fast growing fintech lender providing embedded finance solutions to support ambitious SMEs. By partnering with marketplaces and platforms, the business delivers seamless access to working capital when it matters most. Backed by leading investors and scaling quickly, they are now expanding their credit risk team to support continued growth.

The Opportunity

An experienced SME Credit Underwriter is required to join the credit team. This is a hands on role with scope beyond case by case underwriting. It offers the chance to shape credit policy, influence portfolio strategy, and improve risk processes within a fast paced, high growth fintech environment.

Key Responsibilities

• Underwrite SME lending applications, delivering sound and commercially balanced decisions
• Apply independent judgement, critical thinking, and commercial awareness to every case
• Work closely with the Head of Credit to review and enhance credit policy and risk appetite frameworks
• Monitor portfolio performance, identifying trends, risks, and opportunities for optimisation
• Support the ongoing development of underwriting processes and decision tools
• Collaborate with commercial, operations, and data teams to ensure scalable and high quality credit risk management

About You

• Proven SME credit underwriting experience, ideally within a fintech, alternative lender, or commercial bank
• Strong commercial awareness and confidence to challenge established processes where appropriate
• Experience of working on wider credit risk matters such as policy development, portfolio reporting, or credit strategy
• Analytical mindset with excellent attention to detail
• Clear and confident communicator, comfortable working in a fast paced, dynamic business