Exalto Consulting
Credit Risk Underwriter
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Credit Analyst / Underwriter
📍 London (Hybrid – 3 days in office )💰 £50,000-£60,000 🚀 Join a high-growth fintech transforming SME finance
We're looking for an ambitious Credit Analyst / Underwriter to join a growing team and play a key role in scaling our lending operations.
This is an opportunity for someone with experience in SME lending who wants more than just processing applications. You'll be joining at an early stage, working closely with leadership to shape credit strategy, improve underwriting processes, and help build a best-in-class risk function.
You'll take ownership of credit assessments from application through to decision, using financial analysis, commercial judgement, and data-driven insights to evaluate SME borrowers. As part of a lean and fast-moving team, you'll also contribute to improving workflows, refining risk frameworks, and helping automate credit decisioning processes as we continue to scale.
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Main Duties:
Assess and underwrite SME loan applications, making timely and informed lending decisions. Analyse financial statements, bank transactions, credit reports, and other relevant data to evaluate creditworthiness. Manage the end-to-end application process from initial review through to decision. Monitor the performance and health of the existing lending portfolio, identifying potential risks and early warning signs. Identify opportunities to improve underwriting workflows, processes, and decision-making efficiency. Contribute to the development and refinement of credit policies, scorecards, and risk frameworks. Collaborate with Sales, Product, Data, and Engineering teams to deliver a smooth customer journey. Provide insights and feedback to support automation initiatives and enhance risk models. Support reporting and analysis of portfolio performance and credit risk trends. Help build and scale credit operations within a fast-growing fintech environment.
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Essential Requirements:
2–4 years' experience underwriting SME lending applications. Previous experience working for a UK fintech lender. Strong understanding of data-driven credit assessment and risk analysis. Ability to assess financial statements, bank transactions, and credit reports. Experience managing a high volume of applications and making sound credit decisions. Strong analytical and problem-solving skills. Self-motivated with the ability to work independently in a fast-paced, evolving environment. Excellent communication skills, with the ability to clearly explain credit decisions to stakeholders
If this role could be of interest please apply today and someone will be in touch to discuss your application.
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