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

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

Job summary

Join a leading digital finance company as a Credit Underwriter / Credit Risk Analyst, fully remote in the UK. You will make impactful credit decisions, analyze portfolios, and be part of a collaborative team driving growth and innovation in consumer finance.

Qualifications

• Experience underwriting unsecured personal loans or assisting in underwriting.
• Understanding of credit risk.
• Experience working remotely and independently.

Responsibilities

• Reviewing and assessing consumer credit applications.
• Identifying risks and making clear credit decisions.
• Supporting analytics projects using SQL and Python.

Skills

Credit Risk Assessment

Analytical Skills

Communication

SQL

Python

Job description

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

Client:

Skillful

Location:

Doncaster, United Kingdom

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 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 now looking for someone to help them grow by joining as a Credit Underwriter / Credit Risk Analyst.

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

To succeed, you’ll need experience underwriting unsecured personal loans or be an analyst comfortable assisting with underwriting. 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 to gather additional information
• Identifying risks and fraud, 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 outcomes
• Taking ownership of 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 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 the right next step, we’d love to connect. We can send a full spec or arrange a brief call—just let us know your preference.