Underwriter

CXP are now part of the Huntswood Group; Wes-Kaap; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading FinTech company in South Africa is seeking an experienced Underwriter to assess credit applications and investigate fraud claims. This position is crucial in a fast-growing environment where you will work with a credit risk team to ensure compliance with FCA regulations. Ideal candidates will have strong analytical skills, customer service experience, and a leadership mindset. An excellent opportunity to contribute in a dynamic and impactful role.

Qualifications

• Proven experience in a customer service or support role.
• Strong leadership and team management skills.
• Excellent communication and interpersonal skills.
• Analytical mindset with the ability to use data for decision-making.
• Knowledge of customer service software and tools.
• Familiarity with relevant regulations and compliance requirements.

Responsibilities

• Assess credit applications for affordability, creditworthiness, and fraud risk.
• Investigate fraud alerts and manage end-to-end fraud claims.
• Collaborate with Consumer Finance, Credit Risk Analytics, and Collections teams.
• Follow and improve fraud and credit policies to mitigate risk.
• Build strong internal and external stakeholder relationships.

Skills

Customer service experience

Leadership skills

Communication skills

Analytical mindset

Problem-solving

Organizational skills

Knowledge of FCA regulation

Job description

Job Overview

Are you ready to take your underwriting expertise to the next level? This is your chance to join a fast-growing social FinTech that’s transforming financial health across the UK.

As an Underwriter, you’ll work with a credit risk team that’s the envy of the sector. You’ll evaluate credit applications, investigate fraud claims, and ensure compliance with FCA regulations, all while helping customers achieve fair outcomes.

Responsibilities

• Assess credit applications for affordability, creditworthiness, and fraud risk
• Investigate fraud alerts and manage end-to-end fraud claims
• Collaborate with Consumer Finance, Credit Risk Analytics, and Collections teams
• Follow and improve fraud and credit policies to mitigate risk
• Build strong internal and external stakeholder relationships

The Ideal Candidate will

This is a high impact role in a fast-growing business and hence the ideal candidate would be someone who has:

• Proven experience in a customer service or support role.
• Strong leadership and team management skills.
• Excellent communication and interpersonal skills.
• Analytical mindset with the ability to use data for decision-making.
• Problem-solving and conflict resolution skills.
• Knowledge of customer service software and tools.
• Strong organizational and time management abilities.
• Ability to work effectively in a fast-paced, dynamic environment.
• Familiarity with relevant regulations and compliance requirements.

Required Skills

• Strong understanding of FCA regulation
• Experience in secured lending and underwriting 2nd Charge or BTL mortgages
• Previous experience managing caseloads in a fast-paced environment
• CeMAP qualification (desirable, not essential)
• High attention to detail and excellent communication skills

Compensation and Hours

• Salary to be discussed at the interview stage
• UK Hours and Rotational Shifts

Core Behaviors

A Winning Mindset

Bring You’re “A” Game – Passion is contagious! Work every day like it’s your first day on the job.

Strive for Greater – Stay dedicated to continuous improvement. Challenge the status quo and bring your best ideas forward.

Servant Leadership

Enable and Empower all Employees – Our employees are the heart of our success.

Do the Right Thing – Be empathetic and respectful to everyone always. Act with integrity even if no one is watching.

Deliver WOW!

Own It – Take personal responsibility for getting things done, find a way.

Deliver Unbelievable Service – Create “WOW” moments for your customers every time.