Underwriter

JR United Kingdom; Plymouth; Remote; GBP 45,000 - 65,000; Full time

Job summary

A fast-growing fintech lender seeks an experienced SME Credit Underwriter to join their expanding credit risk team. This hands-on role involves underwriting lending applications and shaping credit policy in a dynamic environment. The ideal candidate has a proven background in SME credit underwriting, strong analytical skills, and the ability to influence credit strategy.

Qualifications

• Experience ideally within fintech, alternative lender, or commercial bank.
• Experience on wider credit risk matters like policy development.
• Confidence to challenge processes where appropriate.

Responsibilities

• Underwrite SME lending applications with sound decisions.
• Enhance credit policy and risk appetite frameworks.
• Collaborate with teams for high quality credit risk management.

Skills

Analytical mindset

Attention to detail

Commercial awareness

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