Underwriting Team Lead

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.

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 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....

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

Role overview g-mass is hiring a Regulatory Business Analyst based in London. The position centers on maintaining compliance with regulatory requirements while supporting projects that improve business operations. Daily work involves close collaboration with teams across the company, analyzing how business processes function, and identifying areas where regulatory risks may arise. What you will do Partner with cross-functional teams to review and refine business processes Identify and evaluate regulatory risks within company operations Create strategies to address and minimize compliance risks Present findings and recommendations clearly to stakeholders at different levels Requirements Keen attention to detail Strong analytical and problem-solving abilities Ability to communicate effectively with both technical and non-technical colleagues Background in regulatory analysis or business process improvement considered an advantage

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.

Join our innovative team as a Business Technology Analyst at Faculty, where we leverage cutting-edge technology to solve complex business challenges. In this role, you will analyze business processes, gather requirements, and work closely with cross-functional teams to implement effective technology solutions.

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.

HR Business AnalystHome-based with occasional travel to Home Counties and London12-month contract£400 - £475 per day depending on experienceWe are seeking a skilled HR Business Analyst to deliver comprehensive HR business analysis across assigned projects. This role is crucial in identifying, articulating, and implementing innovative process re-engineering strategies that enhance user experience, support HR processes and technology, and deliver significant value to employees within the Secretariat and the broader Confederation.Your key responsibilities will include:Defining HR business and process change requirements through a thorough understanding of business needs.Leading business engagements and managing the overall project rollout plan.Ensuring that key deliverables meet agreed quality and standards.You will collaborate closely with the Global PMO function and interface with various teams, including Global Project Managers, Training Coordinators, and Technical Developers, to ensure successful project execution.As the lead analyst, you will provide consultancy on HR business processes and technology impacts, communicate necessary system and process changes, and support the operational needs of HR. You will work alongside HR Training Managers to develop clear documentation and training materials, advocate for HR solutions, and stay informed on industry trends and technologies.Utilizing best practice tools and techniques, you will facilitate effective communication and ensure all project documentation is fit for purpose.

Join Acumen Solutions as a Salesforce Business Analyst and play a pivotal role in driving business transformations. As a key member of our team, you will collaborate with stakeholders to gather requirements, analyze business needs, and ensure the successful implementation of Salesforce solutions.Your expertise will guide the design and optimization of Salesforce processes, ensuring alignment with business objectives. We are looking for an analytical thinker with strong communication skills who can translate complex requirements into actionable plans.

Join a leading cloud-based fintech company at the forefront of automating the retail finance sector. Our client’s platform seamlessly integrates with numerous APIs, enhancing functionalities provided by third-party services such as credit agencies, identity verification, and banking solutions. With exceptional partnerships with the major six UK banks, they are dedicated to developing innovative systems alongside their in-house teams, incorporating the latest fintech advancements in the mortgage market, and fostering their proprietary intellectual property.In light of their remarkable success, we are seeking a talented Systems Analyst / Technical Business Analyst to join our team and contribute to pioneering cloud-based automation solutions tailored for retail financial businesses.

Senior Business AnalystLocation: LondonContract Duration: 6 monthsWe are seeking an experienced Senior Business Analyst to assist in advancing the current Outline Business Case (OBC) aimed at securing project funding and justification. This role involves collaborating with the Government Digital Service (GDS) Standards to craft an agile programme business case that facilitates the digital transformation of the existing EPB Register Services. You'll be responsible for reviewing and formalizing user, business, and technical specifications to ensure they align with business requirements.Provide concrete examples of your leadership in developing a project outline business case in accordance with HMT Green Book standards.Share specific scenarios where you successfully navigated challenges in obtaining OBC approval and project funding.Demonstrate your technical proficiency in creating an agile programme business case (PBC) aligned with GDS Service Standards to optimize the procurement and transformation of digital services.Illustrate your experience in delivering both business and technical requirements that leverage cloud opportunities while managing complexities within tight timelines.Give examples of how you've utilized your business, technical, and analytical skills to design and deliver Cloud-based MVP solutions (for alpha-prototype, private-beta, and/or public-live services).Present an analytical approach to managing technical, commercial, and delivery risks.Showcase your experience in adhering to the Cabinet Office Digital Service Standards (GDS), particularly in alpha and Beta phases.Provide examples of your agile project management expertise in delivering projects successfully.

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.

Role Overview Utility Warehouse is looking for a Commercial Business Analyst with a focus on the telecoms sector. This position sits at the center of strategic decision-making, using analysis to inform business direction and support growth. What You Will Do Work closely with teams across the business to examine market trends and evaluate competitive positioning. Identify areas where the company can expand or improve within the telecoms market. Provide insights that help shape business strategies and keep Utility Warehouse competitive as the telecoms landscape shifts. Location This role is based in London.

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.