Credit Underwriter

About Us At Ki Insurance, we are at the forefront of innovation in the insurance industry. Our unique portfolio includes insuring space shuttles, world tours, renewable energy projects, and even the legs of famous footballers.Our mission is to disrupt a 335-year-old market through digital transformation. Partnering with industry leaders like Google and UCL, we have developed a cutting-edge platform that employs algorithms, machine learning, and large language models to deliver insurance quotes in mere seconds, a significant leap from the traditional days-long process.As the largest global algorithmic insurance carrier and the fastest growing syndicate in the Lloyd's of London market, Ki Insurance has achieved unprecedented milestones, including generating $100 million in profit within our first three years.Our diverse teams operate in an agile, cross-functional environment, collaborating to create exceptional customer experiences. With ambitious goals ahead, we are seeking brilliant minds to challenge the status quo and help us explore new horizons.Your Role:As a Portfolio Underwriter, you will play a crucial role within our Portfolio Management team. You will assist in shaping and executing underwriting strategies to ensure profitable business operations. Your market understanding will enable you to identify opportunities, evaluate legal considerations, and leverage existing relationships to enhance our visibility in the London Market. You will collaborate with the Account Manager to define and deliver the KiDS underwriting strategy, translating it effectively among our brokers.Your Responsibilities:Utilizing your expertise in property underwriting, you will work closely with Underwriting Directors and the Portfolio Management Team to continuously refine our strategies. You will engage with distribution partners and market feedback to optimize our commercial approach, enhancing our algorithm’s performance and revenue generation strategies.

Join Cowbell Cyber as an Assistant Underwriter in our London office, where you will play a crucial role in supporting our underwriting team. You will assist in evaluating risks, analyzing insurance applications, and collaborating with various departments to ensure smooth operations. This is a fantastic opportunity to grow your career in the insurance industry while working with a dynamic and innovative company.

Marshmallow is seeking an Underwriter for a three-month fixed-term contract based in London. This position centers on reviewing insurance applications, analyzing risk factors, and deciding on suitable coverage terms for applicants. Role overview This contract role involves careful evaluation of customer applications and risk profiles. Decisions made in this position directly affect the coverage options offered and support Marshmallow’s goal of making insurance accessible and affordable. What you will do Review and assess insurance applications Analyze risks associated with each applicant Determine coverage terms based on risk evaluation Contract details Fixed-term: 3 months Location: London

Join Updraft: Redefining Financial Empowerment.At Updraft, we are an award-winning, FCA-authorised fintech firm located in the heart of London. Our mission is to transform the financial landscape, making money management and borrowing as seamless as possible through automation and cutting-edge technology.Experience a comprehensive spending overview with our Open Banking integration.Receive complimentary credit reports coupled with actionable insights to enhance your credit score.Utilize our AI-driven financial planning tools tailored to assist users in managing their finances, eliminating debts, and boosting credit scores.Access intelligent lending solutions aimed at reducing your credit costs.Our growth trajectory is impressive, and we’re gaining recognition within the UK fintech sector.Over 800,000 users have benefitted from our mobile app, which has facilitated the transition of approximately £500 million in high-interest credit card debt to more cost-effective credit solutions, paving the way for improved financial health for countless individuals.Our products are highly rated, boasting a 4.8 score on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.Selected for the prestigious Technation Future Fifty 2025 program, which supports innovative and successful scaleups toward IPOs—30% of UK unicorns have emerged from this initiative.Featured in the Sifted 100 UK startups list for both 2024 and 2025, we are one of only 25 companies to achieve this recognition.We seek exceptional individuals to join us as we embark on our next growth phase, offering a unique opportunity characterized by meaningful purpose, measurable impact, and genuine ownership. Embrace a hybrid working culture based in London, where cross-functional teams tackle real-world challenges using state-of-the-art technology. Enjoy generous learning budgets, wellness perks, and the freedom to innovate, implement, and witness the impact of your contributions on customers' financial journeys. At Updraft, you will play a pivotal role in constructing a fairer credit system.The RoleAs the Underwriting Manager, you will lead our Underwriting team, overseeing all underwriting procedures and continuously refining them to enhance decision-making speed and business outcomes. You will also manage fraud detection, addressing potential fraud at both the application stage and post-application where necessary.We are looking for a proactive leader who can take ownership of these critical areas and drive substantial process enhancements through automation and AI initiatives, all while elevating overall business performance. The ideal candidate will define the overarching strategy, identify relevant automation use cases, collaborate effectively, and possess sufficient technical acumen to work closely with our Engineering team in implementing these changes.

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 the Role abound is hiring an Underwriting Team Lead in London. This role guides underwriting practices and manages a skilled team. The Team Lead oversees daily underwriting operations, maintains compliance with industry standards, and encourages a cooperative approach to achieve team goals.

Join Us in Empowering the UK’s Small Businesses At Funding Circle, we recognize that small businesses are the lifeblood of the economy, and our mission is to support them in achieving their goals. We’ve developed an innovative platform that leverages advanced data analytics to provide swift financing solutions in mere minutes instead of weeks.As part of Funding Circle, you’ll experience the dynamic energy of a fintech startup combined with the stability of a publicly traded company. This unique blend empowers our team members, whom we affectionately call Circlers, to take initiative and create meaningful impacts on our mission.We pride ourselves on being a high-performing team that supports one another. We challenge each other to excel, celebrate our successes, and collaborate closely—because we understand that together, we can achieve more.The impact we make is tangible: Last year, businesses utilizing our platform contributed £7.2 billion to the UK economy Join us in a mission with real significance![View Our Impact Report] | [Check Our Trustpilot Reviews] London (Hybrid) | 3 days in the office | Competitive Salary + BenefitsFrom day one, your contributions will have a direct effect on our customers and your colleagues. We believe in learning by doing, and you will be given the responsibility to take ownership of projects and witness the outcomes firsthand.Evaluate data including annual accounts, bank statements, and credit reference agency information to assess the risk of extending credit to SME borrowers on an individual loan basis.Enhance loan decision quality by incorporating market, industry, and portfolio insights into your credit evaluations.Expand your understanding of UK SMEs, including accounting practices, industry standards, financing norms, payment behaviors, and relevant legal frameworks to effectively assess credit risk.Deliver a top-tier experience for our borrowers by efficiently reviewing loan applications in line with our internal quality benchmarks.Contribute to the enhancement of systems, processes, and business practices by sharing insights to improve efficiency and capacity.Provide guidance and support to colleagues to ensure that commercial opportunities are optimized without jeopardizing Funding Circle's risk management....

Join g-mass as a Business Analyst specializing in Underwriting, where you will leverage your analytical skills to enhance our underwriting processes. In this dynamic role, you will collaborate with cross-functional teams to gather and analyze data, identify trends, and provide actionable insights that drive business decisions.Your contributions will help streamline underwriting operations, improve efficiency, and ultimately support our commitment to delivering exceptional service to our clients. If you are passionate about data analysis and have a keen eye for detail, we invite you to apply and be part of our innovative team.

Hybrid role based in LondonOur Vision To empower every e-commerce business around the globe to transform its data into immediate access to capital.At Uncapped, we recognize that conventional credit scoring methods are outdated. Rather than relying on historical credit bureau data, we are developing cutting-edge products that convert everything from sales figures to inventory levels, banking transactions to marketplace performance into actionable underwriting insights. This is not just an additional feature of our product; it is the core of our business.We are rapidly expanding, innovating, and shaping the future of SME lending. We seek an individual who can implement automation and process enhancements iteratively, introducing changes with a clear vision for our trajectory, all while maintaining the current operations.Role Overview We are in search of a Director of Product to lead the credit and risk product strategy throughout the entire customer journey. You will serve as a crucial link between our Risk, Engineering, Data Science, and Operations teams, ensuring that our underwriting platform transitions from manual processes to highly automated, data-driven decision-making.This is a pivotal role in a fast-paced, high-growth fintech environment. You will be responsible for creating the roadmap for how we collect, evaluate, and utilize alternative data to inform lending decisions. Your focus will be on enhancing automation rates, shortening decision timelines, and broadening our underwriting capabilities to incorporate new data sources, geographical areas, and products, including underwriting-as-a-service for acquired loan portfolios.You will not be starting from scratch; we already have a functional platform, live products, and collaborations with leading online retailers and embedded lending partners. Your task is to significantly enhance these offerings, iteratively, while ensuring smooth operations.About Uncapped Founded in 2019, Uncapped is a fintech company dedicated to providing working capital to SMEs across North America and Europe.We utilize various data sources to expedite, secure, and simplify credit decisions. Our partnerships with prominent platforms like Amazon and Walmart position us as the leading alternative lender worldwide.What You Will Do Own the Credit Product Roadmap: Define and drive the product vision for automated credit decisioning across all Uncapped products. Prioritize developments based on business impact, balancing quick wins with strategic initiatives. Translate complex credit-related requirements into clear engineering specifications and measurable outcomes.Scale Automation While Keeping the Lights On: Increase straight-through processing rates by identifying manual bottlenecks and systematically implementing solutions.

Join Allica Bank as an Invoice Finance Underwriter and play a crucial role in helping businesses secure their financial stability. In this position, you will assess and evaluate clients' invoice financing applications, ensuring that we provide tailored financial solutions that meet their unique needs.As an ideal candidate, you will possess strong analytical skills, attention to detail, and the ability to make informed decisions that align with our bank's risk appetite. Your expertise will contribute significantly to our growth and customer satisfaction.

Ebury empowers ambitious businesses to achieve global growth, and we extend this philosophy to our team members. We promote innovation, collaboration, and problem-solving, creating an inclusive environment where everyone feels valued, supported, and positioned for success.If you are a collaborative individual eager to help revolutionize global business operations, reach out to us. We would be delighted to explore how Ebury can propel your career and help you shape the future.Staff Engineer (Underwriting Team)London Office - Hybrid: 4 days in the office, 1 day remoteEbury is on the lookout for outstanding and driven Staff Software Engineers to join our engineering team in London. This is a prime opportunity to make a substantial impact within a leading FinTech organization. As a Staff Software Engineer, you will become an essential part of the team from day one, contributing to mission-critical projects and deploying production-level code within your first week.In this role, you will collaborate across various product squads alongside Engineers, Product Designers, and Product Managers. We will expect you to tackle the most challenging problems while guiding the team toward informed trade-offs. You will have the ability to delve into the finer details while keeping the overall vision in perspective. Additionally, you will play a pivotal role in Engineering leadership and build strong relationships with stakeholders throughout the business. We are committed to identifying and nurturing future technical leaders; those who showcase exceptional performance and aptitude will benefit from an expedited career progression pathway.

About Checkout.com Checkout.com supports online payments for well-known brands including eBay, ASOS, Klarna, Uber Eats, and Sony. The platform handles billions of transactions each year, helping businesses and their customers move money smoothly and securely. Headquartered in London, Checkout.com operates from 19 offices across six continents. The team works in a performance-driven setting where individual contributions matter. Employees have the chance to help shape the future of fintech. Role Overview: Senior Analyst, Enterprise Underwriting The Senior Analyst, Enterprise Underwriting, will join the London office. This role centers on reviewing enterprise customer applications, with a focus on: Due diligence Credit exposure Financial analysis This position works closely with teams such as Business Development, Sales, Legal, and Senior Management. The analyst will also interact with high-value merchants and partners.

Join Multiverse as a Portfolio Lead, where you will spearhead innovative projects that shape the future of learning and development. As a vital member of our team, you will lead a diverse portfolio of initiatives, leveraging data-driven insights to enhance program outcomes and drive strategic growth. Your leadership will empower our teams to deliver exceptional learner experiences, fostering a culture of excellence and continuous improvement.

Join our dynamic team at Legal & General as a Group Protection Scheme Underwriter, where you will play a crucial role in evaluating and underwriting group protection insurance policies. This position offers an exciting opportunity to contribute to our mission of providing financial security and peace of mind to our clients.

Join our dynamic team at Mavensecuritiesholdingltd as a Portfolio Manager specializing in capturing unique market inefficiencies. We are looking for a seasoned professional who has demonstrated expertise in both the research and execution of investment strategies. The ideal candidate will possess the ability to innovate and develop strategies from conception to execution.The successful Portfolio Manager will have a profound understanding of market dynamics, enabling them to assess and articulate when their strategies excel or falter.Our offices are located in both London and Monaco.

Company Overview:Founded in 1983, Caxton Associates is a prestigious global trading and investment firm with a presence in key financial hubs including London, New York, Monaco, and Singapore. Our primary focus lies in managing both client and proprietary capital through innovative global macro hedge fund strategies. Our diverse asset management approach allows us to engage in a wide array of global markets and financial instruments.About the Associate Portfolio Manager Program:At Caxton Associates, we pride ourselves on cultivating top-tier investment talent. This commitment inspired the launch of our comprehensive two-year Associate Portfolio Manager (APM) Program in 2012, designed as an exceptional pathway for high-potential buy-side investors, elite sell-side trading professionals, or distinguished quantitative analysts across various hedge fund disciplines, including discretionary macro, systematic macro, emerging markets macro, systematic trading, equity long-short, and event-driven strategies.The APM Program provides immersive exposure and rigorous training aimed at enhancing participants' investment acumen, ultimately facilitating their advancement to senior Portfolio Manager roles within Caxton. Notably, over a quarter of our current Portfolio Managers have successfully risen through this program, attesting to its effectiveness and significance.Candidate Profile:We are in search of candidates with 3 to 10 years of experience in asset management, hedge funds, and/or market-making. The ideal candidate will possess expertise in and ideally have direct experience implementing proposed investment strategies and associated markets. We value entrepreneurial risk-takers eager to develop and expand their investment strategies. The ability to work autonomously while also collaborating with diverse stakeholders is essential, as is a demonstrated commitment to ongoing growth and professional development.If you are passionate about the financial markets, possess a robust work ethic, and meet the outlined criteria, we encourage you to apply. Please submit your CV, investment track record (if available), and a comprehensive outline of your proposed investment strategy. A detailed strategy outline is a critical component of your application.We look forward to exploring your potential and welcoming you to contribute to the esteemed legacy of Caxton Associates.

Join our dynamic and innovative Portfolio Management team at Statkraft as a Portfolio Structured Trader. This is a unique opportunity to work alongside some of the best professionals in the industry on the UK Power desk.As a Portfolio Structured Trader, you will collaborate with traders and analysts to:Originate structured deals that effectively manage our complex risks (vBESS, vWind, vSolar, vPeakers).Price and evaluate the risk and return on new structured deals.Execute structured transactions, navigating Statkraft’s New Product Process.Collaborate with the Portfolio Management team to manage positions arising from the portfolio, including structured trades.Develop hedging strategies using both vanilla and structured products to mitigate risks within the portfolio.Support the UK power desk by managing market positions together with the traders.Work closely with the quantitative team to drive the development of new tools and enhance existing ones.Create and implement strategies to maximize trading value across our books.Proactively address new and complex challenges as they arise, ensuring timely and effective solutions with the traders.This role provides an exceptional chance to be part of a value-driven team known for its success in managing complex portfolios over many years.

Role Overview Utility Warehouse is looking for a Technology Portfolio Manager based in London. This role oversees a wide range of technology projects, guiding them from planning through to delivery. The position focuses on keeping projects aligned with business strategy, timelines, and budgets. What You Will Do Manage and prioritize a portfolio of technology initiatives. Work with teams across the business to coordinate project goals and resources. Monitor progress to ensure projects finish on schedule and within budget. Help align technology investments with company objectives. Collaboration This position involves close collaboration with cross-functional teams to make sure technology projects deliver value and support Utility Warehouse’s strategic direction.

Multiverse seeks an AI Portfolio Lead to manage a diverse set of AI projects with a focus on learning and development. The role centers on guiding efforts that use artificial intelligence to enhance educational experiences for both learners and educators. Key responsibilities Manage a portfolio of AI projects from initial concept through to delivery Collaborate with teams across the organization to build and implement AI-driven solutions Shape and refine AI strategy to address the needs of learners and educators Work with stakeholders to ensure project goals and outcomes are aligned Spot challenges and opportunities as projects move forward Requirements Proven experience in AI strategy and project management Background in working with cross-functional teams Ability to engage and manage a range of stakeholders Interest in applying AI to improve educational outcomes Location This role is based in London.