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

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

Job summary

A leading digital-first finance company is seeking a Credit Underwriter / Credit Risk Analyst. In this hands-on remote role, you will assess consumer credit applications and leverage SQL and Python to aid analytics, offering a chance to make impactful decisions in a collaborative environment.

Qualifications

• Experience underwriting unsecured personal loans preferred.
• Understanding of credit risk strategies and affordability models.
• Experience working in a remote setting with autonomy.

Responsibilities

• Review and assess consumer credit applications.
• Engage with customers for additional information.
• Make clear and reasoned credit decisions.

Skills

Credit risk analysis

Decision-making under pressure

Communication

Analytical thinking

Tools

SQL

Python

Job description

Underwriter/ Credit Risk Analyst | Fully Remote | £30k - £35k, Sheffield, South Yorkshire

Client:

Skillful

Location:

Sheffield, South Yorkshire, 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 space to grow.

They’re looking for someone to help them grow as a Credit Underwriter / Credit Risk Analyst.

This hands-on role is perfect for someone who thrives on variety. You’ll make real-time credit decisions while also using SQL and Python to support wider portfolio analysis. Whether you’re an experienced underwriter with an interest in analytics or an analyst blending both worlds, this role offers the chance to stretch yourself and make an impact.

To succeed, you should have experience underwriting unsecured personal loans or be 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:

• 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 you meet these criteria, this could be a great next step for your career.

We’re happy to provide a full job spec or discuss the role further—just let us know your preference.

Contact: [e-mail] or [e-mail]

Please note: If you are not a passport holder of the country for this vacancy, you may need a work permit. Check our Blog for more info.

Bank or payment details should not be provided when applying. All applications should be made via the 'Apply now' button.

Created on 31/05/2025 by JR, United Kingdom