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Underwriter/ Credit Risk Analyst | Fully Remote | £30k - £35k, Luton, Bedfordshire
Client:
Skillful
Location:
Luton, Bedfordshire, 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 growing 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 who can help them grow by joining as a Credit Underwriter / Credit Risk Analyst.
It’s a hands-on position, perfect for someone who thrives on variety. You’ll be making 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 gives you the chance to stretch yourself and make an impact.
To be successful, you’ll need experience underwriting unsecured personal loans or be an analyst comfortable with underwriting. You should also have a good understanding of credit risk. Comfort working independently, spotting risks, and making confident decisions that balance risk with growth are essential.
So, if you are comfortable with…
* Reviewing and assessing consumer credit applications across a growing portfolio
* Engaging with customers and gathering additional information
* Spotting risk and fraud, and making 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 outcomes
* Taking ownership in a fast-paced, fully remote environment
And have experience in…
* Underwriting in UK consumer lending, especially unsecured loans
* Working with credit risk strategies and affordability models
* Using SQL or Python, or willing to learn
* Balancing commercial thinking with attention to detail
* Clear communication and decision-making under pressure
* Being part of a remote team with trust and collaboration
If so, this could be a great next step for you.
You’ll join an ambitious, inclusive business expanding across the UK. There’s plenty to do and a real opportunity to develop your skills in underwriting and analytics.
We’re happy to provide a full spec or discuss further over a call — just let us know your preference.
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