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

JR United Kingdom; London; Remote; GBP 40,000 - 70,000; Full time

Job summary

An established industry player in consumer finance is seeking a Credit Underwriter / Credit Risk Analyst to join their dynamic team. This fully remote role offers the chance to make real-time credit decisions while leveraging SQL and Python for portfolio analysis. Ideal for those with a background in underwriting unsecured loans or credit risk, this position emphasizes collaboration and growth in a supportive environment. With a focus on innovation and values, you will play a key role in shaping credit strategy and improving processes, all while enjoying the flexibility of remote work.

Qualifications

• Experience underwriting unsecured personal loans or assisting with underwriting.
• Good understanding of credit risk and ability to make confident decisions.

Responsibilities

• Reviewing and assessing consumer credit applications across a growing portfolio.
• Spotting risk and fraud, and making well-reasoned credit decisions.
• Supporting analytics projects using SQL and Python.

Skills

Credit Risk Assessment

SQL

Python

Analytical Skills

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 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, 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

Desired 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 you meet these criteria, 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.