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

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

Job summary

Join a forward-thinking company as a Credit Underwriter / Credit Risk Analyst in a fully remote role. This position offers a unique opportunity to blend underwriting expertise with analytical skills, making impactful credit decisions while supporting portfolio analysis using SQL and Python. The culture is collaborative and values-driven, providing a supportive environment where you can thrive and grow. If you’re ready to take ownership and contribute to a dynamic team in the consumer finance space, this is the perfect next step for you.

Qualifications

• Experience underwriting unsecured personal loans in the UK.
• Understanding of credit risk and affordability models.

Responsibilities

• Review and assess consumer credit applications.
• Make clear credit decisions while spotting risks.

Skills

Credit Risk Assessment

SQL

Python

Analytical Thinking

Communication Skills

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 an analyst who is happy/comfortable to help with the Underwriting side too. You'll also have a good understanding of credit risk. You’ll also need to be comfortable working independently, spotting risks, and making confident calls that balance risk with growth.

So, if you are comfortable with…

• Reviewing and assessing consumer credit applications across a growing portfolio
• Engaging with customers and gathering any additional information 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 and fully remote environment

And have experience in…

• 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 build your analytical toolkit
• Balancing commercial thinking with attention to detail
• Communicating clearly and making good decisions under pressure
• Being part of a remote team where trust, autonomy and collaboration are key

Then this could be a brilliant next step for you.

You’ll be joining a business that’s ambitious, inclusive and expanding across the UK. There’s loads to get stuck into, and a real opportunity to grow your skills across both underwriting and analytics.

We are more than happy to send you a full spec or sing their praises over a brief call - just let us know what you prefer.