Underwriter

JR United Kingdom; Chelmsford; Remote; GBP 40,000 - 60,000; Full time

Job summary

Une entreprise fintech en pleine croissance recherche un souscripteur de crédits SME pour rejoindre son équipe de crédit. Ce rôle offre l'opportunité de façonner la politique de crédit et d'améliorer les processus de risque dans un environnement dynamique. Le candidat idéal possède une expérience avérée en souscription de crédits SME et une forte conscience commerciale.

Qualifications

• Expérience en souscription de crédits SME, de préférence dans un environnement fintech.
• Capacité à travailler dans un rythme rapide et dynamique.
• Esprit analytique avec d'excellentes compétences en communication.

Responsibilities

• Souscrire des demandes de crédit SME et prendre des décisions commerciales équilibrées.
• Collaborer avec diverses équipes pour optimiser la gestion des risques de crédit.
• Surveiller la performance du portefeuille et identifier des opportunités d'optimisation.

Skills

Pensée critique

Connaissance commerciale

Communication claire

Attention aux détails

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