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

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

Job summary

A leading financial services company is seeking a Credit Underwriter / Credit Risk Analyst to join their expanding UK operations. In this fully remote role, you will assess and review credit applications, supporting analytics projects while collaborating with various teams. This position offers an opportunity to grow in a supportive and dynamic environment, making impactful decisions in consumer credit.

Qualifications

• Experience underwriting unsecured personal loans.
• Comfortable assisting with credit risk strategies.
• Ability to work independently and spot risks.

Responsibilities

• Review and assess consumer credit applications.
• Engage with customers for additional information.
• Make well-reasoned credit decisions based on risk.

Skills

Credit risk analysis

SQL

Python

Clear communication

Decision-making under pressure

Job description

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

Client: Skillful

Location: Hemel Hempstead, 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 hands-on role is perfect for someone who thrives on variety. You’ll make real-time credit decisions while also 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 the 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 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
• Spotting risk and fraud, and making 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 outcomes
• Taking ownership of your work in a fast-paced, fully 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, autonomy, and collaboration

If this sounds like the right next step for you, then this could be a great opportunity. You’ll join an ambitious, inclusive, and expanding UK business with plenty of scope to develop your skills across underwriting and analytics.

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