Underwriter

JR United Kingdom; Lincoln; On-site; GBP 40,000 - 70,000; Full time

Job summary

A leading fintech lender seeks an experienced SME Credit Underwriter for a remote role in the UK. In this position, you'll underwrite applications, shape credit policies, and optimize risk processes within a dynamic, high-growth environment. The role demands strong analytical skills, commercial awareness, and effective communication.

Qualifications

• Proven SME credit underwriting experience within fintech or banks.
• Strong analytical skills with attention to detail.
• Experience in credit policy development and strategy.

Responsibilities

• Underwrite SME lending applications with balanced decisions.
• Enhance credit policy and risk appetite frameworks.
• Monitor portfolio performance and identify optimization opportunities.

Skills

Commercial awareness

Analytical mindset

Critical thinking

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