Credit Analyst / Underwriter Location: London (Hybrid)
The Company
My client is a fast-growing player within the UK SME lending space, gearing up for their next round of investment with the ambition to scale and maintain the high level of quality and service that is already gaining them repeat business and strong relationships within the industry.
They have built a strong product offering that genuinely helps small businesses access funding, and they are doing it well – evidenced by the traction they are already seeing with clients. The team is lean, high-performing and moves quickly. This is a business on the right trajectory at the right time.
The Role
As a result of continued growth, they are looking to bring on a Credit Analyst / Underwriter to join the team. This person will have come from a UK SME fintech lender and will know what good looks like in a fast-paced, data-driven underwriting environment.
Beyond processing applications, this is a role with real influence. You will contribute to the way the credit function is built and operated -refining workflows, feeding into risk frameworks and helping shape the decisioning process as the business scales. Builder mentality is as important as technical ability here.
Key Responsibilities
- Own the end-to-end credit evaluation of SME loan applications, from financial analysis through to decision
- Identify inefficiencies in current processes and drive improvements to speed-to-decision without compromising risk quality
- Contribute to the development of credit frameworks, internal tools and operational processes
- Monitor existing SME exposures, identify early warning signs and support portfolio reporting
- Collaborate with Sales and Product teams to ensure a smooth journey from application to drawdown
- Work with data and engineering teams to support automation and improve risk models
Requirements
- 1–3 years of SME underwriting experience, gained at a UK fintech lender
- 3+ years of prior experience working at a Bank/ Consulting Firm
- Strong analytical ability across bank statements, management accounts, credit reports and balance sheets
- Able to operate at volume and make sound decisions at paceA self-starter who takes ownership and builds solutions rather than waiting for direction
- Strong communicator, comfortable dealing with internal stakeholders and customers alike
- SQL or Python experience is a plus
What’s in it for you?
- Competitive base salary and options
- A genuine opportunity to shape a credit function from an early stage
- Clear progression into senior risk or leadership as the business grows
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