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

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

Job summary

A leading digital-first consumer finance company is seeking a Credit Underwriter / Credit Risk Analyst to join their expanding UK team. This fully remote role requires experience in unsecured personal loans and decision-making in credit risk, offering opportunity for growth in a dynamic environment.

Qualifications

• Experience underwriting unsecured personal loans.
• Familiarity with credit risk and affordability models.
• Ability to communicate effectively under pressure.

Responsibilities

• Review consumer credit applications and make credit decisions.
• Engage with customers to gather necessary information.
• Support analytics projects using SQL and Python.

Skills

Underwriting in UK consumer lending

Credit risk strategies

SQL

Python

Commercial thinking

Clear communication

Job description

Social network you want to login/join with:

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

Client: Skillful

Location: High Wycombe, 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 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 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 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 and gathering additional information as 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, fully remote environment

Required experience includes:

• Underwriting in UK consumer lending, especially unsecured loans
• Working with credit risk strategies and understanding 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 a good fit, this could be a great next step for your career.

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