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

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

Job summary

A leading digital-first finance company based in the UK is seeking a Credit Underwriter/Credit Risk Analyst for a remote position. This role involves making real-time credit decisions, utilizing SQL and Python for portfolio analysis, and balancing risk with growth. Ideal for someone with experience in unsecured loans and a strong understanding of credit risk, this position allows for autonomous work in a collaborative environment, supporting the company’s expansion in consumer finance.

Qualifications

• Experience underwriting unsecured personal loans in the UK.
• Background in credit risk strategies and affordability models.
• Proficient or willing to learn SQL and Python.

Responsibilities

• Review and assess consumer credit applications across a growing portfolio.
• Make credit decisions while spotting risk and fraud.
• Collaborate across teams to improve processes.

Skills

Credit Risk Understanding

SQL

Python

Decision-Making

Clear Communication

Job description

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

Client: Skillful

Location: Woking, 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, ideal for someone who thrives on variety. You’ll make 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 an opportunity to stretch yourself and make an impact.

To succeed, 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
• Spotting risk and fraud, and making clear, well-reasoned 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 customer outcomes
• Taking ownership of work in a fast-paced, fully remote environment

Required experience:

• Underwriting in UK consumer lending, especially unsecured loans
• Working with credit risk strategies and affordability models
• Using SQL or Python, or willingness to learn
• Balancing commercial thinking with attention to detail
• Clear communication and decision-making under pressure
• Experience working remotely with trust, autonomy, and collaboration

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

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