Senior Underwriter
This is your opportunity to build a career in the financial services industry with a fast-growing FinTech business.
MAL launched in 2020 and, over the last five years, has grown into one of the fastest-growing companies in the sector. With a management team that has previously built businesses up to IPO and sale, you'll be surrounded by industry experts. We offer on-the-job mentoring and support to help you thrive.
MAL provides innovative loan solutions to UK residents, leveraging cutting-edge Open Banking technology to ensure responsible lending practices. We are now looking for an experienced and motivated Senior Underwriter to join our dynamic team.
This role is perfect for someone who thrives on responsibility, loves digging into detail, and enjoys coaching and guiding others. You'll still be underwriting loans yourself, but you'll also play a critical role in supporting and upskilling the rest of the team.
Position
As MAL continues its rapid growth, we're looking for a Senior Underwriter to take ownership of both loan decisioning and team development. Think of this role as a "team lead underwriter": someone who is hands-on, yet confident in signing off colleagues' loans and helping them grow their skills.
You'll work closely with our Operations Director to ensure the highest possible standards of lending and customer care.
What You'll Be Doing
* Assess and underwrite customer loan applications in line with MAL's lending policies, ensuring responsible lending decisions.
* Review and sign off loans underwritten by other team members, providing constructive feedback and guidance.
* Act as the first point of escalation for complex cases, using sound judgement and a detail-oriented approach.
* Train and coach colleagues on underwriting processes, new product features, and regulatory requirements.
* Share updates and changes with the team, ensuring consistent understanding and application.
* Collaborate with other departments (Operations, Customer Care, Compliance) to deliver an exceptional end-to-end customer journey.
* Contribute to projects that enhance our underwriting framework, systems, and policies.
What You'll Bring
* Strong analytical and decision-making skills, with the ability to interpret both credit data and Open Banking information.
* Experience mentoring, coaching, or supporting team members (formal management not required).
* A sharp eye for detail and a critical, questioning mindset.
* Confidence in making decisions that balance customer needs with business risk.
* Excellent written and verbal communication skills.
* Weekend flexibility: availability to work either Saturday or Sunday, one in four, with a day back in the week (or as overtime).
What We'll Do For You
* A salary of £40,000 – £45,000 per year, dependent on experience.
* Work alongside a management team with a proven track record of scaling businesses to IPO and sale.
* Genuine career progression opportunities as MAL continues to grow rapidly.
* A dedicated training and development budget to support your professional advancement.
* A relaxed and inclusive work environment with a casual dress code.
* Regular complimentary breakfast days to kickstart your mornings.
Must-Haves
* Fluent English (written and spoken).
* Full right to work in the UK.
* Ability to commute to our Bournemouth office.
Sounds like the right move? Apply now and help us redefine lending.
Job Types: Full-time, Permanent
Pay: £34,000.00-£40,000.00 per year
Work Location: In person