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

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

Job summary

A leading company in the consumer finance space seeks an experienced Credit Underwriter / Credit Risk Analyst. This fully remote role involves making credit decisions, supporting analytics with SQL and Python, and collaborating across teams. Ideal candidates will possess a strong understanding of credit risk and experience in underwriting unsecured loans.

Qualifications

• Experience in underwriting unsecured personal loans.
• Comfort working independently and making credit decisions.
• Understanding of credit risk strategies.

Responsibilities

• Reviewing and assessing consumer credit applications.
• Engaging with customers for additional information.
• Making well-reasoned credit decisions and spotting risks.

Skills

Credit Risk Understanding

SQL

Python

Clear Communication

Job description

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

Client:

Skillful

Location:

Preston, Lancashire, United Kingdom

Job Category:

Other

EU work permit required: Yes

Job Views: 5

Posted: 31.05.2025

Expiry Date: 15.07.2025

Job Description:

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, 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 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. You should have a good understanding of credit risk. Comfort working independently, spotting risks, and making confident decisions that balance risk with growth are essential.

Key responsibilities include:

• Reviewing and assessing consumer credit applications across a growing portfolio
• Engaging with customers and gathering additional information
• 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 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 a good fit, this could be a brilliant next step for you.

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