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

JR United Kingdom; Bolton; Remote; GBP 35,000 - 55,000; Full time

Job summary

An innovative company in the consumer finance sector is seeking a Credit Underwriter / Credit Risk Analyst to join their remote team. This role offers the chance to make real-time credit decisions and support portfolio analysis using SQL and Python. You'll thrive in a collaborative culture that values ownership and growth. If you have experience in underwriting unsecured loans and a solid understanding of credit risk, this is a fantastic opportunity to contribute to a rapidly expanding business while working in a supportive and energizing environment.

Qualifications

• Experience underwriting unsecured personal loans is essential.
• Strong understanding of credit risk and decision-making is required.

Responsibilities

• Review and assess consumer credit applications across a growing portfolio.
• Make clear, well-reasoned credit decisions while spotting risks.

Skills

Credit Risk Analysis

SQL

Python

Decision Making

Communication

Education

Experience in Underwriting

Knowledge of Credit Risk

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 expanding 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 looking for someone to join as a Credit Underwriter / Credit Risk Analyst.

This hands-on role is ideal for someone who thrives on variety. You’ll make real-time credit decisions while also supporting portfolio analysis using SQL and Python. Whether you’re an experienced underwriter with an interest in analytics or someone already blending both, this role offers growth and impact opportunities.

To succeed, you should have experience underwriting unsecured personal loans or be comfortable helping with underwriting tasks. A good understanding of credit risk is essential. You should also 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 shaping credit strategy
• Collaborating across teams to improve processes and customer outcomes
• Taking ownership of your work in a fast-paced, fully remote environment

Desired experience includes:

• Underwriting in UK consumer lending, especially unsecured loans
• Working with credit risk strategies and affordability models
• Using SQL or Python, or willingness to learn
• Balancing commercial thinking with attention to detail
• Clear communication and decision-making under pressure
• Experience working remotely with trust, autonomy, and collaboration

If this sounds like a good fit, this could be a great next step for your career.

We’re happy to provide a full spec or discuss further over a brief call—just let us know your preference.