Underwriter (Supply Chain Finance)

Revolut Ltd; United Kingdom; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Financial benefits

Flexible working locations

Revolut Metal subscription

Year-round events

Job summary

Revolut Ltd in the United Kingdom is seeking an experienced Underwriter specializing in business lending and supply chain finance. You will perform in-depth financial and credit analysis, evaluate complex creditworthiness, and make formal lending decisions within delegated authority.

Join a fast-growing team powering global growth through scalable lending features, collaborating with Commercial, Risk, and Product teams to refine policies and strengthen underwriting for regional expansion.

Qualifications

• Significant experience in commercial underwriting, corporate credit analysis, or business lending.
• Expertise in financial analysis, balance sheet assessment, and cash flow modelling.
• Proven track record of delegated credit sanctioning authority and decision-making.
• Knowledge of trade finance credit risk, legal documentation, and fraud prevention.
• Exceptional analytical, negotiation, and communication skills.

Responsibilities

• Conduct detailed financial statement analysis, cash flow evaluations, and credit risk assessments for corporate and SME clients.
• Structure supply chain finance and invoice discounting facilities based on risk assessments.
• Analyse buyer-debtor relationships, trade flows, and supply chain dynamics.
• Make lending decisions within delegated authorities and present larger limits to credit committees.
• Monitor portfolio performance, client credit limits, and covenants.
• Collaborate with Commercial, Risk, and Product teams to refine underwriting policies.

Skills

Commercial underwriting

Corporate credit analysis

Business lending

Supply chain finance

Invoice discounting

Factoring

Analytical skills

Communication skills

Job description

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 80+ million customers get more from their money every day.

As we continue our lightning-fast growth, 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work™. So far, we have 15,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

The Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward-thinking solutions tailored to each region.

We're looking for an experienced Underwriter specialising in business lending and supply chain finance. You'll perform in-depth financial and credit analysis, evaluating complex business creditworthiness and making formal lending decisions.

Up to shape what's next in finance? Let's get in touch.

What you'll be doing

• Conducting detailed financial statement analysis, cash flow evaluations, and credit risk assessments for corporate and SME clients
• Structuring supply chain finance and invoice discounting facilities based on detailed risk assessments and trade flow dynamics
• Analysing buyer-debtor relationships, underlying trade flows, and supply chain dynamics
• Making lending decisions within delegated credit approval authorities, and presenting larger limits to credit committees
• Monitoring portfolio performance, client credit limits, and key covenants
• Working closely with Commercial, Risk, and Product teams to refine underwriting policies and streamline credit operations

What you'll need

• Significant experience in commercial underwriting, corporate credit analysis, or business lending, specifically within supply chain finance, invoice discounting, and factoring
• Expertise in financial analysis, balance sheet assessment, and cash flow modelling
• A proven track record of delegated credit sanctioning authority and decision-making
• An understanding of trade finance credit risk, legal documentation, and fraud prevention in commercial lending
• Exceptional analytical, negotiation, and communication skills

Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.

Get what you need to succeed

• Financial benefits that show we value your work
• Flexibility to work from home, the office, or abroad
• A Revolut Metal subscription loaded with perks
• Exciting events year-round so you can get to know your team