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

JR United Kingdom; West Midlands Combined Authority; Remote; GBP 30,000 - 35,000; Full time

Job summary

Join a forward-thinking company as a Credit Underwriter/Credit Risk Analyst in a fully remote role. This exciting position offers the chance to make impactful credit decisions while supporting portfolio analysis using SQL and Python. You will thrive in a collaborative environment that values autonomy and growth, making a difference from day one. If you have a solid background in underwriting, especially in unsecured loans, and a passion for analytics, this could be the perfect opportunity for you.

Qualifications

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

Responsibilities

• Review and assess consumer credit applications.
• Make clear, well-reasoned credit decisions.
• Support analytics projects using SQL and Python.

Skills

Underwriting

Credit Risk Analysis

SQL

Python

Communication

Tools

SQL

Python

Job description

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Underwriter/ Credit Risk Analyst | Fully Remote | £30k - £35k, London (West End)

Client:

Skillful

Location:

London (West End), United Kingdom

Job Category:

Other

EU work permit required:

Yes

Job Views:

3

Posted:

05.05.2025

Expiry Date:

19.06.2025

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 join as a Credit Underwriter / Credit Risk Analyst.

This is a hands-on role, ideal 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 an analyst with some underwriting experience, this role offers the chance to stretch your skills and impact the business.

To succeed, you should have experience underwriting unsecured personal loans or be comfortable assisting with underwriting tasks. 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 willing to learn
• 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

If you meet these criteria, this could be a great next step for you.

Join a business that is ambitious, inclusive, and expanding across the UK. There are many opportunities to develop your skills in both underwriting and analytics.

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