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Underwriter/ Credit Risk Analyst | Fully Remote | £30k - £35k, Colchester
Client: Skillful
Location: Colchester, United Kingdom
Job Category: Other
EU work permit required: Yes
Job Views: 5
Posted: 31.05.2025
Expiry Date: 15.07.2025
Job Description:
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 to help them grow by joining as a Credit Underwriter / Credit Risk Analyst.
This is 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 helping with underwriting too. You should have a good understanding of credit risk and be comfortable working independently, spotting risks, and making confident decisions that balance risk with growth.
Key responsibilities include:
* Reviewing and assessing consumer credit applications across a growing portfolio
* Engaging with customers and gathering additional information
* Spotting risk and fraud, making clear, 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 of your work in a fast-paced, fully remote environment
Required experience includes:
* Underwriting in UK consumer lending, especially unsecured loans
* Working with credit risk strategies and affordability models
* Proficiency with SQL or Python, or willingness to learn
* Balancing commercial thinking with attention to detail
* Clear communication and decision-making under pressure
* Experience working remotely with trust and autonomy
If you meet these criteria, this could be a great next step for your career.
We are happy to provide a full job spec or discuss the role further over a brief call—just let us know your preference.
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