Intellect Group
Credit Analyst / Underwriter
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Credit Analyst / Underwriter
London / Hybrid
Up to £55,000 base + equity options
SME Lending / Fintech
We’re working with a fast-growing SME lending fintech that helps small businesses access funding, manage cash flow and support growth.
The business is Series A backed and is now entering a key scaling phase. They are looking for a Credit Analyst / Underwriter with experience in the lending industry, ideally across SME lending, working capital, commercial lending or a similar credit environment.
The Role
This is a hands-on underwriting role, but not just a standard “process applications” position. You’ll be reviewing SME lending applications day to day, while also helping improve workflows, decisioning, scorecards and credit processes as the business scales.
Responsibilities
- Underwriting SME loan applications in a high-volume environment
- Owning end-to-end credit evaluation for SME applicants
- Reviewing P&L statements, balance sheets, bank transactions and credit reports
- Assessing creditworthiness and making fast, sound lending decisions
- Monitoring existing SME exposures and spotting early warning signs
- Identifying bottlenecks in the underwriting process and suggesting improvements
- Working closely with Sales, Product, Tech and Data teams to improve the customer journey and automate manual checks
- Supporting the development of credit workflows, risk frameworks, decisioning processes and internal tools
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The Ideal Profile
- 2–4 years’ experience in credit analysis, underwriting or lending
- Background in the lending industry, ideally SME lending, fintech lending, working capital, commercial lending or similar
- Comfortable handling a high volume of applications
- Strong ability to analyse SME financials, bank transactions and credit reports
- Able to make judgement-led credit decisions, not just follow a rigid scorecard
- Clear communicator who can explain credit decisions to internal stakeholders
- Proactive, commercially minded and comfortable in a fast-moving scale-up environment
- Someone who sees problems and helps build solutions, rather than waiting for a process manual
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Nice to Have
- SQL or Python
- Exposure to Open Banking, scorecards, decisioning engines or risk models
- Experience improving underwriting workflows or credit processes
- Portfolio monitoring or early-warning indicator experience
Why This Opportunity?
This is a chance to join a Series A fintech lender at a pivotal stage of growth. You’ll have real ownership, direct impact and the opportunity to help shape how the credit function operates as the company scales.
The role offers a competitive salary up to £55,000 base, equity options, hybrid working from London, and a clear route towards more senior risk or credit opportunities as the company grows.
If you have lending, credit analysis or underwriting experience and want more ownership than a traditional credit role, please apply or get in touch for a confidential conversation.
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