Underwriter/ Credit Risk Analyst | Fully Remote | £30k - £35k

JR United Kingdom; Ashton-under-Lyne; Remote; GBP 40,000 - 70,000; Full time

Job summary

Join a forward-thinking company as a Credit Underwriter / Credit Risk Analyst in a fully remote role. This innovative firm is making strides in consumer finance, offering you the chance to make impactful decisions in a collaborative environment. You'll be responsible for assessing credit applications, spotting risks, and supporting analytics projects using SQL and Python. With a focus on personal growth and autonomy, this role is perfect for someone eager to blend underwriting expertise with analytical skills. If you're ready to take ownership and contribute to meaningful change, this opportunity is for you.

Qualifications

• Experience underwriting unsecured personal loans or as an analyst with underwriting tasks.
• Good understanding of credit risk and affordability models.

Responsibilities

• Reviewing consumer credit applications and making credit decisions.
• Supporting analytics projects using SQL and Python.

Skills

Underwriting in UK consumer lending

Credit risk strategies

SQL

Python

Commercial thinking

Attention to detail

Clear communication

Tools

SQL

Python

Job description

Role: Credit Underwriter / Credit Risk Analyst

Location: Fully remote (UK only)

This is a brilliant opportunity to join a digital-first, values-led business that’s already made serious waves in the consumer finance space. With a growing product set spanning Buy Now Pay Later, credit cards and business finance, they’re helping people buy everything, everywhere, every day and doing it in a smarter, fairer way.

They’ve built a strong foundation and are now growing their UK operation, giving you the chance to join early, take ownership and make a difference from day one. The culture is collaborative, energising and full of people who care deeply about doing good work. You’ll be trusted, supported and given the space to grow.

They’re now looking for someone who can help them grow by joining as a Credit Underwriter / Credit Risk Analyst.

It’s a hands-on position, perfect for someone who thrives on variety. You’ll be making real-time credit decisions while also using SQL and Python to support wider portfolio analysis. Whether you’re an experienced underwriter with a growing interest in analytics, or already blending both worlds, this role gives you the chance to stretch yourself and make an impact.

To be successful, you’ll need experience underwriting unsecured personal loans or be an analyst comfortable with underwriting tasks. You should also have a good understanding of credit risk. You’ll need to be comfortable working independently, spotting risks, and making confident decisions that balance risk with growth.

Key responsibilities include:

• Reviewing and assessing consumer credit applications across a growing portfolio
• Engaging with customers and gathering additional information as needed
• Spotting risk and fraud, and making clear, well-reasoned credit decisions
• Supporting analytics projects using SQL and Python (bonus)
• Generating insights on performance and helping shape credit strategy
• Collaborating across teams to improve processes and customer outcomes
• Taking ownership of your work in a fast-paced, fully remote environment

Required experience includes:

• Underwriting in UK consumer lending, especially unsecured loans
• Working with credit risk strategies and understanding affordability models
• Using SQL or Python, or a willingness to learn and develop analytical skills
• Balancing commercial thinking with attention to detail
• Communicating clearly and making sound decisions under pressure
• Experience working remotely with trust, autonomy, and collaboration

If this sounds like the right next step for you, we’d love to hear from you. We can provide a full spec or arrange a brief call to discuss further.