Underwriter

JR United Kingdom; Cardiff; Remote; GBP 35,000 - 55,000; Full time

Job summary

A fast-growing fintech lender seeks an SME Credit Underwriter to join their credit team in a remote role. This position involves shaping credit policy and optimising risk processes. Ideal candidates will have proven experience in credit underwriting within the fintech space and strong analytical abilities.

Qualifications

• Experience in fintech, alternative lending or commercial banking is preferred.
• Strong ability to challenge established processes.
• Comfortable working in a dynamic business environment.

Responsibilities

• Underwrite SME lending applications with sound decisions.
• Enhance credit policy and risk appetite frameworks.
• Monitor portfolio performance and identify trends.

Skills

Commercial awareness

Analytical mindset

Attention to detail

Clear communication

Education

Proven SME credit underwriting experience

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