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

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

Job summary

A digital-first company seeks a Credit Underwriter / Credit Risk Analyst to review credit applications, make decisions, and support analytical projects using SQL and Python in a fully remote role. Join a collaborative and ambitious team focused on smart consumer finance solutions.

Qualifications

• Experience underwriting UK consumer lending, especially unsecured loans.
• Comfortable with credit risk strategies and affordability models.
• Willingness to learn SQL or Python.

Responsibilities

• Reviewing and assessing consumer credit applications.
• Making well-reasoned credit decisions under pressure.
• Collaborating across teams to improve processes.

Skills

Credit risk understanding

Analytical thinking

Communication

Decision making under pressure

Attention to detail

Tools

SQL

Python

Job description

Social network you want to login/join with:

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

Client:

Skillful

Location:

Remote (UK only)

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

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.

This is 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 be an analyst comfortable with underwriting. You should have a good understanding of credit risk. You’ll also need to be comfortable working independently, spotting risks, and making confident decisions 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 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, remote environment

And have experience in…

• 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
• Communicating clearly and making decisions under pressure
• Being part of a remote team emphasizing trust and autonomy

Then this could be a great next step for you.

You’ll join an ambitious, inclusive business expanding across the UK. There are many opportunities to develop your skills in underwriting and analytics.

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