Underwriter

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

Job summary

A rising fintech lender in the UK seeks an experienced SME Credit Underwriter to join its expanding credit risk team. This role involves underwriting applications, shaping credit policy, and collaborating across teams to develop scalable underwriting processes. Ideal candidates will have a solid background in credit underwriting, strong analytical skills, and the ability to thrive in a dynamic environment.

Qualifications

• Proven SME credit underwriting experience, ideally within a fintech, alternative lender, or commercial bank.
• Strong commercial awareness and confidence to challenge processes.
• Experience working on credit risk matters such as policy development.

Responsibilities

• Underwrite SME lending applications, delivering sound decisions.
• Work with the Head of Credit to enhance credit policy.
• Monitor portfolio performance for trends and risks.

Skills

Commercial awareness

Analytical mindset

Effective 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