Underwriting Manager

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.

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

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.

Recognise Bank, based in London, supports UK SMEs through lending and savings products. Since receiving its license in 2021, the bank has focused on building strong relationships with customers and fostering a diverse team. Role overview The Credit Underwriter assesses and underwrites commercial property secured loans. Reporting to the Senior Underwriter, this position works closely with the Loan Operations team to evaluate lending applications submitted by Lending Managers. Daily tasks include reviewing customer information, analyzing financial details, and ensuring each application aligns with Recognise Bank’s credit policies and lending criteria. The Credit Underwriter makes recommendations or decisions regarding loan approvals based on these assessments. Our values Can do, will do: Take ownership, solve problems, and adapt to changing customer needs. Be brilliant: Approach work with curiosity and enthusiasm, always looking for ways to improve. Do the right thing: Make decisions guided by integrity, responsibility, and care. Make a difference: Focus on positive impact for customers, colleagues, and communities.

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 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 hyperexponential as an Insurance Solutions Consultant (Pricing & Underwriting)At hyperexponential, we're revolutionizing the insurance sector with our AI-driven platform that empowers critical decision-making in a $7 trillion industry. Our tools help insurers determine which risks to accept and how to price them, impacting vital real-world scenarios, from successful space missions to the rollout of autonomous vehicles and community recovery after disasters.With traditional methods leading to billion-dollar decisions based on outdated tools, we are changing the game. Our platform integrates data, AI, and human expertise to provide insurers with the quickest route from submission to decision-making, enabling them to act faster, smarter, and with greater confidence.Supported by prominent investors such as a16z, Highland Europe, and Battery Ventures, we are expanding globally, already trusted by nearly 50 of the world's largest insurers. With zero churn and billions in premiums flowing through our solutions, we are redefining the insurance landscape.What started as a single product in one market has swiftly transformed into a multi-product, multi-territory platform that supports every aspect of pricing and underwriting. AI is at the forefront of our endeavors, from creating the first domain-specific AI peer programmer in insurance to revolutionizing workflows within the industry.What sets hyperexponential apart is our team. Here, your impact is determined not by title or tenure but by the challenges you undertake and the discipline you bring. In an environment filled with peers who inspire you, you will accomplish some of the most meaningful work of your career in a company designed for resilience.If you resonate with this vision, we invite you to help us craft the future.About the Pricing & Innovation TeamUnlike many insurance pricing and underwriting roles that focus on a single portfolio, at hyperexponential, you will apply your skills across various insurers. You will witness firsthand how top players are transforming pricing and underwriting, ultimately influencing market best practices.As a senior expert in insurance pricing and underwriting within our Pricing & Innovation team, you will play a pivotal role in how hyperexponential defines and delivers next-gen pricing solutions. This is not a conventional back-office actuarial position; you will collaborate directly with underwriters, actuaries, and product leaders both within our organization and our client base, addressing their challenges, crafting solutions, and envisioning the future of pricing and underwriting.The Pricing & Innovation team merges deep insurance expertise with technical delivery and product insight. In this position, you will establish credibility in pricing and underwriting, and contribute to shaping the future of this industry.

Join hyperexponential as a Senior Insurance SME (Pricing and Underwriting)At hyperexponential, we are on a mission to revolutionize the insurance sector with our AI-driven platform, enabling pivotal decisions in a $7 trillion industry. Our innovative approach influences significant real-world outcomes, from space exploration to disaster recovery.Outdated tools have hindered the insurance industry from making timely, billion-dollar decisions. We're changing that narrative. Our platform integrates data, AI, and expert insights, providing insurers with the quickest route from submission to decision, empowering them to act swiftly and with confidence.Supported by leading venture capital firms such as a16z, Highland Europe, and Battery Ventures, we are experiencing rapid global growth and are trusted by nearly 50 major insurers, boasting zero churn and billions in premiums flowing through our platform.What began as a single solution is now a comprehensive, multi-product platform that enhances every stage of pricing and underwriting. AI is at the heart of our operations—developing the world's first domain-specific AI peer programmer for insurance and creating workflows that redefine industry norms.At hyperexponential, the impact you make is determined by the challenges you tackle and the discipline you exhibit, rather than your title or tenure. With colleagues who inspire you, you will produce exceptional work in a resilient company culture.If you resonate with our vision, we invite you to help shape the future of insurance.About the Pricing & Innovation TeamUnlike traditional insurance roles that focus on a single portfolio within one firm, at hyperexponential, you will leverage your expertise across multiple insurers, witnessing firsthand how industry leaders are redefining best practices in pricing and underwriting.As a Senior Insurance SME in our Pricing & Innovation team, you will be at the forefront of defining and delivering innovative pricing strategies. This role is not merely an actuarial position in the back office; you will collaborate directly with underwriters, actuaries, and product managers, both within our organization and among our clients, to address their challenges, design effective solutions, and envision the future of pricing and underwriting.Our Pricing & Innovation team merges deep insurance knowledge with technical execution and product insights. Your credibility in pricing and underwriting will be essential in this transformative role.

Role Overview g-mass is seeking a Senior Delegated Authority Analyst to join its Delegated Underwriting Operations team in London. This role focuses on managing a growing portfolio of delegated authority business across Europe and Asia for a global specialty insurer. The position combines technical ownership of bordereaux data with team leadership responsibilities. What You Will Do Lead mapping and processing of bordereaux in the bordereaux management system, working closely with underwriters as needed. Supervise and mentor junior analysts, providing training and daily support. Resolve queries, exceptions, and data discrepancies to ensure data accuracy and completeness. Organize and maintain electronic records using Salesforce. Carry out data entry and validation in source systems. Support bureau processing, including contract and endorsement documentation under the central settlement number. Produce regular management information reports for internal committees and senior stakeholders. Contribute to ad hoc projects and process improvements as assigned by delegated underwriting leadership. Review and approve new bordereaux mappings in VIPR. Monitor and manage relevant market bulletins and regulatory updates. Location London, England, United Kingdom

About Us At Ki Insurance, we are making headlines by providing coverage for innovative ventures like space shuttles, global tours, wind farms, and even the legs of footballers.Our mission is ambitious: to digitally disrupt and transform a 335-year-old insurance market. By collaborating with industry leaders like Google and UCL, we have developed a groundbreaking platform that leverages algorithms, machine learning, and advanced language models to deliver quotes to insurance brokers in a matter of seconds instead of days.As the largest global algorithmic insurance carrier and the fastest-growing syndicate in the Lloyd's of London market, Ki is proud to be the first to achieve $100 million in profit within just three years.Our diverse teams are united by a passion for innovation, working together in an agile, cross-functional manner to create the best possible experience for our customers. With our sights set on ambitious goals, we are seeking brilliant minds to challenge conventional thinking and help us reach new heights.Your RoleWe are in search of a seasoned Head of Product - Carrier to guide our squads dedicated to advancing our pioneering algorithmic underwriting capabilities. You will collaborate closely with a cross-functional team, including data scientists and algorithm engineers, to define our technological future and enhance our risk assessment and portfolio management strategies—both essential to Ki's sustained success.Key Responsibilities Strategic DirectionCollaborate with Algorithmic Underwriting leadership to establish the long-term product strategy.Develop a roadmap for our target-state Carrier product, aligning functionalities with commercial objectives and revenue models.Stay ahead of market and technology trends to uncover new opportunities to further digitize specialty insurance.Business ImpactAdvocate for cross-functional squads, ensuring the wider business understands how product decisions enhance performance.Guide teams in focusing on the most valuable challenges for Carriers while clearly communicating trade-offs and cost-benefit analyses.Balance immediate impacts with strategic long-term investments.Product Leadership & Team DevelopmentEncourage a high-performance, collaborative product culture across teams.Lead, mentor, and nurture product managers—setting goals, offering feedback, and supporting their professional development.

Ki Insurance brings together technology and specialty insurance from its London base. The company’s portfolio spans diverse risks, from space missions and global tours to renewable energy projects and sports professionals. Ki collaborates with organizations such as Google and UCL to develop a platform that uses algorithms, machine learning, and large language models to deliver rapid insurance quotes to brokers. Recognized as the largest algorithmic insurance carrier worldwide and the fastest-growing syndicate in the Lloyd's of London market, Ki achieved $100 million in profit within three years. Teams work together in an agile environment, drawing on expertise from multiple fields to deliver new solutions and influence industry direction. Role overview The Algorithm Engineering team is searching for engineers interested in shaping insurance through technology. This role connects underwriting with algorithm development, building machine learning products that support more than 25 business classes, including Commercial Properties, Oil Rigs, and Event Contingency insurance. Algorithm Engineers at Ki help assess risks quickly and accurately, enabling the creation of a profitable and stable portfolio in under a minute. Projects range from large-scale geospatial analysis and managing exposure to natural disasters, to developing machine learning techniques for areas with limited data, such as Terrorism insurance. The work combines technology and specialty insurance, always with a focus on commercial results. How the team works Collaboration across disciplines, blending specialty insurance knowledge with scalable machine learning product development Focus on delivering high-impact features through an iterative and analytical approach Dedicated time for research and development, both internally and with academic partners Commitment to commercial outcomes and maintainable, well-tested code Algorithms primarily developed in Python Fully cloud-native infrastructure, managed as code Location This role is based in London, England, United Kingdom.

Checkout.com supports digital transactions for brands like eBay, ASOS, Klarna, Uber Eats, and Sony. The company processes billions of payments each year, operating from its London headquarters and 19 offices worldwide. The team values curiosity, expertise, and an entrepreneurial approach, especially in fast-evolving sectors such as Crypto and iGaming. Role overview The Manager, Account Management will join a growing team in London, focusing on key accounts within the Crypto and iGaming space. This position centers on building strong client relationships and helping clients succeed through tailored support and insights. What you will do Oversee a portfolio of clients, serving as the main point of contact for all account matters. Identify client needs, negotiate pricing, and develop strategies to expand and improve product offerings. Use data analytics and visualization tools to deliver actionable insights and recommendations. Work closely with Sales, Legal, Integration, and Product teams to streamline processes and enhance client experiences. Advocate for clients as the 'Voice of the Merchant', influencing product development and improvements. Represent Checkout.com as a brand ambassador, supporting Quarterly Business Reviews and presenting strategic insights for Tier 1 clients.