Underwriter
Core
Assess credit risk and ensure lending decisions align with underwriting policies and regulatory requirements for unsecured personal finance products.
Role type
Senior Underwriter (Unsecured Lending)
Builds
Unsecured personal loans using Open Banking data and credit reference agency information
Domain
Fintech / Consumer Lending / Credit Risk
Deliverable
Production ML models | product features
Required skills
Unsecured lending underwriting, fraud prevention, AML compliance, pipeline management, customer liaison, regulatory adherence
Preferred skills
Open Banking/transaction data underwriting, FCA Consumer Duty knowledge
Technologies
Open Banking, Credit Reference Agency data
Responsibilities
Assess unsecured credit applications using Open Banking data and credit reference agency information to evaluate creditworthiness. Conduct fraud prevention and AML checks in line with regulatory and internal requirements. Manage and progress underwriting pipeline to meet turnaround targets. Liaise directly with customers to obtain and verify information. Contribute to the ongoing development and improvement of underwriting processes and procedures.
Seniority
Mid-Senior, hands-on IC
