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

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

Job summary

A leading digital-first company in consumer finance seeks a Credit Underwriter/Credit Risk Analyst for a fully remote position in the UK. This hands-on role combines decision-making with analytics, involving reviewing credit applications while utilizing SQL and Python to support business metrics. Ideal candidates will possess underwriting experience, particularly in unsecured loans, and thrive in a collaborative, fast-paced environment that values personal growth and initiative.

Qualifications

• Experience underwriting unsecured personal loans in the UK required.
• Understanding of credit risk and affordability models necessary.
• Ability to work independently and make decisions under pressure.

Responsibilities

• Reviewing and assessing consumer credit applications.
• Engaging with customers to gather additional information as needed.
• Making well-reasoned credit decisions to mitigate risks.

Skills

Communication

Analytical Thinking

Attention to Detail

Tools

SQL

Python

Job description

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

Client: Skillful

Location: Nottingham, 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 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 to 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 make real-time credit decisions while also supporting wider portfolio analysis using SQL and Python. 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 be successful, 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 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 a 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.