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

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

Job summary

A leading company in consumer finance is seeking a Credit Underwriter/Credit Risk Analyst for a fully remote role. This position involves making real-time credit decisions, supporting portfolio analysis, and collaborating across teams. Ideal candidates will have underwriting experience in unsecured loans and a good understanding of credit risk. Join a supportive and energizing culture where you can make a real impact from the start.

Qualifications

• Experience underwriting unsecured personal loans.
• Comfortable with credit risk assessment.
• Able to work independently and make confident decisions.

Responsibilities

• Reviewing and assessing consumer credit applications.
• Spotting risks and making credit decisions.
• Supporting analytics projects with SQL and Python.

Skills

Underwriting

Credit Risk

SQL

Python

Communication

Decision Making

Job description

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

Client: Skillful

Location: Chelmsford (Remote UK)

Job Category: Other

EU work permit required: Yes

Job Views: 5

Posted: 31.05.2025

Expiry Date: 15.07.2025

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 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, in a smarter, fairer way.

They’ve built a strong foundation and are now expanding their UK operation. This role offers 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 about doing good work. You’ll be trusted, supported, and given space to grow.

They’re looking for someone to help them grow as a Credit Underwriter / Credit Risk Analyst.

This hands-on position is ideal for someone who thrives on variety. You’ll make real-time credit decisions while supporting portfolio analysis using SQL and Python. Whether you’re an experienced underwriter interested in analytics or an analyst blending both, this role allows you to stretch and impact.

To succeed, you should have experience underwriting unsecured personal loans or be comfortable assisting with underwriting. A good understanding of credit risk is essential. You should be comfortable working independently, spotting risks, and making confident decisions that balance risk with growth.

Key responsibilities include:

• Reviewing and assessing consumer credit applications
• Engaging with customers to gather additional information
• Spotting risks and fraud, making well-reasoned credit decisions
• Supporting analytics projects with SQL and Python (bonus)
• Generating insights and shaping credit strategy
• Collaborating across teams to improve processes and customer outcomes
• Taking ownership in a fast-paced, remote environment

Required experience:

• 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 and autonomy

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

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