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

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

Job summary

A leading digital finance company in the UK seeks a Credit Underwriter/Credit Risk Analyst to join their fully remote team. This role involves making credit decisions, using analytics with SQL and Python, and contributing to a collaborative work culture. Ideal candidates will have experience in underwriting and a strong understanding of credit risk, with opportunities for professional growth.

Qualifications

• Experience underwriting unsecured personal loans.
• Familiarity with credit risk strategies and affordability models.
• Experience in a remote team setting.

Responsibilities

• Review and assess consumer credit applications.
• Engage with customers to gather information.
• Spot risks and make well-reasoned credit decisions.

Skills

Credit Risk Understanding

Analytical Thinking

SQL

Python

Decision Making

Job description

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

Client:

Skillful

Location:

Watford, Hertfordshire, 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 who can 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 gives 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 helping 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.

So, if you are comfortable with…

• 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 your work in a fast-paced, 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 plenty to get involved in and a real opportunity to grow your skills across both underwriting and analytics.

We are happy to send you a full spec or discuss the role over a brief call—just let us know your preference.