Underwriter

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

Job summary

Une entreprise fintech dynamique recherche un SME Credit Underwriter pour rejoindre son équipe et participer à l'élaboration de politiques et à l'optimisation des processus de risque. C'est une excellente opportunité de contribuer à un environnement en forte croissance tout en ayant un impact direct sur la stratégie de crédit. Le candidat idéal aura une expérience en souscription de prêts et apportera des idées novatrices pour améliorer la gestion des risques.

Qualifications

• Expérience avérée en souscription de prêts SMEs, idéalement dans un environnement fintech ou alternatif.
• Expérience de développement de politiques et de reporting de portefeuille.
• Communicateur clair, capable de travailler dans un environnement dynamique.

Responsibilities

• Souscrire les demandes de prêt SMEs, en rendant des décisions équilibrées.
• Collaborer avec les équipes commerciales pour assurer une gestion des risques de crédit de qualité.
• Surveiller la performance du portefeuille et identifier les opportunités d'optimisation.

Skills

Commercial awareness

Critical thinking

Analytical mindset

Attention to detail

Clear communication

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