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

JR United Kingdom; Bury; Remote; GBP 30,000 - 35,000; Full time

Job summary

Join a dynamic, values-led company making waves in consumer finance as a Credit Underwriter/Credit Risk Analyst. This role offers the chance to make impactful credit decisions, support portfolio analysis with SQL and Python, and work in a collaborative, remote environment. With a commitment to growth and innovation, this is an exciting opportunity to contribute to a forward-thinking business while developing your skills in underwriting and analytics. If you thrive in a fast-paced, supportive culture, this position could be your next great step.

Qualifications

• Experience in underwriting unsecured personal loans is preferred.
• Solid understanding of credit risk and affordability models.

Responsibilities

• Review and assess consumer credit applications across a growing portfolio.
• Identify risks and fraud, making clear credit decisions.

Skills

Underwriting

Credit Risk Analysis

SQL

Python

Communication Skills

Decision Making

Attention to Detail

Tools

SQL

Python

Job description

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

Client: Skillful

Location: bury, United Kingdom

Job Category: Other

EU work permit required: Yes

Job Views: 3

Posted: 05.05.2025

Expiry Date: 19.06.2025

Job Description:

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

The company has built a strong foundation and is expanding its UK operation. This role offers the chance to join early, take ownership, and make a difference from day one. The culture is collaborative, energizing, and supportive, emphasizing growth and doing good work.

The position is for a Credit Underwriter / Credit Risk Analyst, suitable for someone who thrives on variety. You’ll make real-time credit decisions and support portfolio analysis using SQL and Python. Whether you're an experienced underwriter interested in analytics or an analyst with a growing interest in underwriting, this role provides an opportunity to develop and impact the business.

Key requirements include experience underwriting unsecured personal loans or a willingness to assist with underwriting tasks, along with a solid understanding of credit risk. You should be comfortable working independently, identifying risks, and making confident, balanced decisions.

Responsibilities include:

• Reviewing and assessing consumer credit applications across a growing portfolio
• Engaging with customers to gather additional information
• Identifying risks and fraud, making clear credit decisions
• Supporting analytics projects with SQL and Python (bonus)
• Generating insights on performance and influencing credit strategy
• Collaborating across teams to improve processes and outcomes
• Taking ownership of your work in a remote environment

Desired experience:

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

If you meet these criteria, this role could be a great next step. The company is ambitious, inclusive, and expanding across the UK, offering opportunities to grow skills in both underwriting and analytics.

We are happy to provide a full job spec or discuss further via a brief call—just let us know your preference.