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Credit Underwriter

KrooLondon, England, United Kingdom
On-site Full-time

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Experience Level

Experience

Qualifications

Desired Qualifications:Minimum of 2 years of experience in credit underwriting or credit risk environments. Strong grasp of consumer lending, affordability assessment, and credit risk principles. Hands-on experience analyzing open banking data for effective income verification. Exceptional analytical skills with a focus on detail-oriented risk evaluation. Strong communication and interpersonal abilities.

About the job

Location: London, England, United Kingdom

Team Overview

Kroo’s underwriting team combines data analysis with a commitment to understanding real customer behavior. The group plays a central role in evaluating credit applications and shaping lending practices as the bank grows. Integrity, transparency, and continuous learning shape the way the team works together.

What You’ll Do

  • Assess and make decisions on consumer credit applications up to £25,000 using open banking data, credit bureau reports, and application details.
  • Analyze income and affordability, focusing on customer transactions and cash flow through open banking sources.
  • Evaluate credit risk and decide on approvals or declines in line with Kroo’s policies, risk appetite, and regulatory requirements.
  • Identify and document potentially fraudulent or suspicious applications, including performing KYC and fraud checks when needed.
  • Apply sound judgment to near-prime cases, balancing customer outcomes with risk management.
  • Work closely with colleagues in underwriting, risk, and operations to support a smooth customer experience.
  • Help improve underwriting processes, controls, and decision standards as the team evolves.
  • Maintain strong knowledge of Kroo’s products and understand how underwriting decisions affect customer experience and portfolio results.
  • Keep up to date with UK regulations and compliance standards relevant to consumer lending.

What We’re Looking For

  • At least 2 years of experience in credit underwriting or credit risk assessment.
  • Solid understanding of consumer lending, affordability checks, and credit risk concepts.
  • Hands-on experience analyzing open banking data for income and affordability assessments.
  • Strong analytical skills with attention to detail in risk review and decision-making.
  • Clear communication and effective interpersonal skills.

Kroo is growing and welcomes those who want to help shape the future of banking with a focus on trust and customer impact.

About Kroo

Kroo is committed to transforming the banking landscape by ensuring that our customers not only trust us but also love their banking experience with us. Our dedication to integrity, honesty, and a positive impact on the environment aligns with our goal of empowering individuals to achieve financial independence.

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