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

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

Job summary

Join a dynamic, values-led company making waves in consumer finance as a Credit Underwriter/Credit Risk Analyst. This fully remote role offers the chance to make real-time credit decisions while supporting analytics projects. With a collaborative culture, you'll thrive in an environment that values trust and autonomy. If you're experienced in underwriting unsecured loans and have a good grasp of credit risk, this is your opportunity to grow and make a significant impact from day one.

Qualifications

• Experience underwriting unsecured personal loans in the UK.
• Strong understanding of credit risk and affordability models.

Responsibilities

• Review and assess consumer credit applications across a growing portfolio.
• Support analytics projects using SQL and Python.

Skills

Credit Risk Analysis

SQL

Python

Communication Skills

Decision Making

Attention to Detail

Education

Experience in UK Consumer Lending

Knowledge of Credit Risk Strategies

Tools

SQL

Python

Job description

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

This range is provided by Skillful. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

Direct message the job poster from Skillful

We love all things Risk, Analytics and Data

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 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 supporting wider portfolio analysis using SQL and Python. Whether you’re an experienced underwriter with an interest in analytics, or already blending both, this role offers growth and 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
• Spotting risk and fraud, making clear 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, remote environment

Requirements:

• Experience underwriting in UK consumer lending, especially unsecured loans
• Knowledge of credit risk strategies and affordability models
• Proficiency with SQL or Python, or willingness to learn
• Ability to balance commercial thinking with attention to detail
• Clear communication skills and decision-making under pressure
• Comfort working remotely with trust and autonomy

If this sounds like the right next step, we’d love to connect. We can send you a full spec or arrange a brief call. Contact us at [e-mail] or [e-mail].

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance

Industries

• Banking and Financial Services