Senior Underwriter

Senior Underwriter

London · Full-time, Permanent, Hybrid

About the role

A fast-growing, FCA-regulated digital lender is reshaping how UK consumers access credit — and is looking for an experienced Senior Underwriter to make an immediate impact. The technology is evolving quickly, the business is scaling, and this is a role where your judgement genuinely matters.

If you enjoy owning decisions, working autonomously and using your expertise to improve outcomes for customers, this is a role where your experience will count from day one.

What you’ll do

Reporting to the Head of Underwriting, you’ll:

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• Approve or decline referred applications for unsecured personal loans.
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• Assess affordability and creditworthiness using bureau data, Open Banking data and customer documentation.
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• Identify and investigate fraud risk and data anomalies.
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• Apply FCA rules and lending policy consistently.
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• Document clear, well-evidenced rationale that supports the audit trail and stands up to QA.
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• Work at pace while maintaining quality and help shape how underwriting develops in a technology-led environment.
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• Share insights with Credit Risk to help refine policy and improve automation.
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What you’ll bring

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• 7–10 years in unsecured personal loans, with a proven record of strong, independent credit judgement.
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• Sharp analytical and problem-solving skills, with the precision and judgement to resolve complex, borderline cases with confidence.
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• Deep, hands-on expertise in affordability under FCA rules, including complex and non-standard cases.
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• Advanced skill interpreting bureau and Open Banking data — including the subtle risk and fraud signals others can miss.
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• Strong, applied command of the UK regulatory framework (CONC, Consumer Duty).
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• Experience operating at higher mandate and authority levels, accountable for finely balanced, higher-value decisions.
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• A natural point of reference on difficult cases, able to support colleagues and raise the standard of underwriting.
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The kind of person you are

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• Analytical, precise and decisive under pressure — comfortable owning difficult calls and being accountable for them.
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• Clear and concise on paper, with rationale that stands up to QA, audit and regulatory scrutiny.
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• Fully autonomous and well-organised, trusted to manage your own caseload and priorities without oversight.
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• High-integrity and customer-focused, doing the right thing even when it’s the harder path — and setting that standard for others.
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• Driven by real impact and ownership, and at home in a fast-moving, technology-driven environment where you can help shape how underwriting works.
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