We’re working with a fast-growing SME lending fintech that helps small businesses access funding, manage cash flow and support growth.
The business is Series A backed and is now entering a key scaling phase. They are looking for a Credit Analyst / Underwriter with experience in the lending industry, ideally across SME lending, working capital, commercial lending or a similar credit environment.
This is a hands‑on underwriting role, but not just a standard “process applications” position. You’ll be reviewing SME lending applications day to day, while also helping improve workflows, decisioning, scorecards and credit processes as the business scales.
The role will involve:
* Underwriting SME loan applications in a high‑volume environment
* Owning end‑to‑end credit evaluation for SME applicants
* Reviewing P&L statements, balance sheets, bank transactions and credit reports
* Assessing creditworthiness and making fast, sound lending decisions
* Monitoring existing SME exposures and spotting early warning signs
* Identifying bottlenecks in the underwriting process and suggesting improvements
* Working closely with Sales, Product, Tech and Data teams to improve the customer journey and automate manual checks
* Supporting the development of credit workflows, risk frameworks, decisioning processes and internal tools
The ideal profile:
* 2–4 years’ experience in credit analysis, underwriting or lending
* Background in the lending industry, ideally SME lending, fintech lending, working capital, commercial lending or similar
* Comfortable handling a high volume of applications
* Strong ability to analyse SME financials, bank transactions and credit reports
* Able to make judgement‑led credit decisions, not just follow a rigid scorecard
* Clear communicator who can explain credit decisions to internal stakeholders
* Proactive, commercially minded and comfortable in a fast‑moving scale‑up environment
* Someone who sees problems and helps build solutions, rather than waiting for a process manual
Nice to have:
* SQL or Python
* Exposure to Open Banking, scorecards, decisioning engines or risk models
* Experience improving underwriting workflows or credit processes
Why this opportunity?
This is a chance to join a Series A fintech lender at a pivotal stage of growth. You’ll have real ownership, direct impact and the opportunity to help shape how the credit function operates as the company scales.
The role offers a competitive salary up to £55,000 base, equity options, hybrid working from London, and a clear route towards more senior risk or credit opportunities as the company grows.
If you have lending, credit analysis or underwriting experience and want more ownership than a traditional credit role, please apply or get in touch for a confidential conversation.
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