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

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

Job summary

A leading finance company is seeking a Credit Underwriter/Credit Risk Analyst to help with consumer lending. The role involves making credit decisions, analyzing risks, and collaborating on analytics projects within a fully remote environment. Ideal candidates will have experience in unsecured loans and strong analytical skills in SQL or Python.

Qualifications

• Experience underwriting unsecured personal loans.
• Comfort with SQL or Python for analyses.
• Ability to work independently and spot risks.

Responsibilities

• Review and assess consumer credit applications.
• Make credit decisions on risks and fraud.
• Collaborate across teams to improve processes.

Skills

Credit risk understanding

Analytical skills

SQL

Python

Communication

Job description

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

Client: Skillful

Location: Telford, 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 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 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 assisting with underwriting. A good understanding of credit risk is essential. You should also 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 and develop analytical skills
• Balancing commercial thinking with attention to detail
• Communicating clearly and making sound decisions under pressure
• Being part of a remote team that values trust, autonomy, and collaboration

If you meet these criteria, this could be an excellent next step for your career.

The company is ambitious, inclusive, and expanding across the UK. There are many opportunities to develop your skills in both underwriting and analytics.

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