Underwriter

JR United Kingdom; Newcastle upon Tyne; Remote; GBP 40,000 - 60,000; Full time

Job summary

A fast-growing fintech lender is seeking an experienced SME Credit Underwriter to join their team in Newcastle upon Tyne. This role will shape credit policy and enhance risk processes in a dynamic environment, offering a rewarding opportunity for an analytical communicator with a strong background in credit underwriting.

Qualifications

• Proven SME credit underwriting experience, ideally in fintech or banking.
• Confidence to challenge established processes.
• Experience in credit risk policy development.

Responsibilities

• Underwrite SME lending applications with balanced decisions.
• Monitor portfolio performance to identify trends and risks.
• Support development of credit underwriting processes.

Skills

Commercial awareness

Analytical mindset

Communication

Job description

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Underwriter, Newcastle-upon-Tyne, Tyne and Wear

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Client:

New Street Consulting Group (NSCG)

Location:

Newcastle-upon-Tyne, Tyne and Wear, United Kingdom

Job Category:

Other

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EU work permit required:

Yes

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Job Views:

3

Posted:

10.06.2025

Expiry Date:

25.07.2025

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Job Description:

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 judgment, 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