Underwriter

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

Job summary

Une entreprise fintech en pleine croissance recherche un souscripteur de crédit SME pour rejoindre son équipe de risque de crédit. Ce rôle pratique offre la possibilité de façonner les politiques de crédit et de collaborer activement avec des équipes interfonctionnelles pour garantir une gestion efficace du risque de crédit dans un environnement dynamique.

Qualifications

• Expérience avérée en underwriting de crédit PME, idéalement dans un environnement fintech.
• Confiance pour remettre en question les processus établis.
• Esprit analytique et compétence en communication.

Responsibilities

• Souscrire des demandes de prêt PME avec des décisions équilibrées.
• Collaborer avec l'équipe de direction pour améliorer les politiques de crédit.
• Suivre la performance du portefeuille et identifier les opportunités.

Skills

Analyse critique

Attention aux détails

Communication claire

Education

Expérience en underwriting de crédit

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