Senior Underwriter
other jobs Human Capital Partners Limited
Added before 7 Days
- England,London,City of London
- Full Time, Permanent
- Salary negotiable
Job Description:
Full job descriptionSenior 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:
*Approve or decline referred applications for unsecured personal loans.
*Assess affordability and creditworthiness using bureau data, Open Banking data and customer documentation.
*Identify and investigate fraud risk and data anomalies.
*Apply FCA rules and lending policy consistently.
*Document clear, well-evidenced rationale that supports the audit trail and stands up to QA.
*Work at pace while maintaining quality and help shape how underwriting develops in a technology-led environment.
*Share insights with Credit Risk to help refine policy and improve automation.
What you’ll bring
*7–10 years in unsecured personal loans, with a proven record of strong, independent credit judgement.
*Sharp analytical and problem-solving skills, with the precision and judgement to resolve complex, borderline cases with confidence.
*Deep, hands-on expertise in affordability under FCA rules, including complex and non-standard cases.
*Advanced skill interpreting bureau and Open Banking data — including the subtle risk and fraud signals others can miss.
*Strong, applied command of the UK regulatory framework (CONC, Consumer Duty).
*Experience operating at higher mandate and authority levels, accountable for finely balanced, higher-value decisions.
*A natural point of reference on difficult cases, able to support colleagues and raise the standard of underwriting.
The kind of person you are
*Analytical, precise and decisive under pressure — comfortable owning difficult calls and being accountable for them.
*Clear and concise on paper, with rationale that stands up to QA, audit and regulatory scrutiny.
*Fully autonomous and well-organised, trusted to manage your own caseload and priorities without oversight.
*High-integrity and customer-focused, doing the right thing even when it’s the harder path — and setting that standard for others.
*Driven by real impact and ownership, and at home in a fast-moving, technology-driven environment where you can help shape how underwriting works.
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:
*Approve or decline referred applications for unsecured personal loans.
*Assess affordability and creditworthiness using bureau data, Open Banking data and customer documentation.
*Identify and investigate fraud risk and data anomalies.
*Apply FCA rules and lending policy consistently.
*Document clear, well-evidenced rationale that supports the audit trail and stands up to QA.
*Work at pace while maintaining quality and help shape how underwriting develops in a technology-led environment.
*Share insights with Credit Risk to help refine policy and improve automation.
What you’ll bring
*7–10 years in unsecured personal loans, with a proven record of strong, independent credit judgement.
*Sharp analytical and problem-solving skills, with the precision and judgement to resolve complex, borderline cases with confidence.
*Deep, hands-on expertise in affordability under FCA rules, including complex and non-standard cases.
*Advanced skill interpreting bureau and Open Banking data — including the subtle risk and fraud signals others can miss.
*Strong, applied command of the UK regulatory framework (CONC, Consumer Duty).
*Experience operating at higher mandate and authority levels, accountable for finely balanced, higher-value decisions.
*A natural point of reference on difficult cases, able to support colleagues and raise the standard of underwriting.
The kind of person you are
*Analytical, precise and decisive under pressure — comfortable owning difficult calls and being accountable for them.
*Clear and concise on paper, with rationale that stands up to QA, audit and regulatory scrutiny.
*Fully autonomous and well-organised, trusted to manage your own caseload and priorities without oversight.
*High-integrity and customer-focused, doing the right thing even when it’s the harder path — and setting that standard for others.
*Driven by real impact and ownership, and at home in a fast-moving, technology-driven environment where you can help shape how underwriting works.
Job number 4013228
Increase your exposure to recruiters with ProJobs
Thousands of recruiters are looking for you in the Job Master profile database, increase your exposure 4 times with a ProJob subscription
You can cancel your subscription at any time.
metapel
Company Details:
Human Capital Partners Limited
Human Capital Partners offer interim and permanent recruitment solutions for mid to senior level Finance, HR, Risk and Compliance appointments. We wor...