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

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

Job summary

An innovative company is seeking a Credit Underwriter/Credit Risk Analyst to join their dynamic team. This fully remote role offers the chance to make impactful credit decisions while utilizing SQL and Python for portfolio analysis. Ideal candidates will thrive in a fast-paced environment, balancing risk with growth, and will have a strong foundation in underwriting and credit risk strategies. Join a values-led business that prioritizes collaboration and personal growth, and contribute to shaping the future of consumer finance in the UK.

Qualifications

• Experience underwriting unsecured personal loans.
• Understanding of credit risk and affordability models.

Responsibilities

• Review and assess consumer credit applications.
• Make real-time credit decisions balancing risk and growth.

Skills

Credit Risk Analysis

SQL

Python

Communication Skills

Attention to Detail

Job description

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

Get AI-powered advice on this job and more exclusive features.

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 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 who can help them grow by joining as a Credit Underwriter / Credit Risk Analyst.

It’s 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 gives you the chance to stretch yourself and make an impact.

To be successful, you’ll need experience underwriting unsecured personal loans or an analyst who is happy/comfortable to help with the Underwriting side too. You'll also have a good understanding of credit risk. You’ll also need to be comfortable working independently, spotting risks, and making confident calls that balance risk with growth.

So, if you are comfortable with…

• Reviewing and assessing consumer credit applications across a growing portfolio
• Engaging with customers and gathering any additional information 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 and fully remote environment

And have experience in…

• 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 build your analytical toolkit
• Balancing commercial thinking with attention to detail
• Communicating clearly and making good decisions under pressure
• Being part of a remote team where trust, autonomy and collaboration are key

Then this could be a brilliant next step for you.

You’ll be joining a business that’s ambitious, inclusive and expanding across the UK. There’s loads to get stuck into, and a real opportunity to grow your skills across both underwriting and analytics.

We are more than happy to send you a full spec or sing their praises over a brief call - just let us know what you prefer.

[e-mail] / [e-mail]

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance

Industries

• Banking and Financial Services