Job Description

Join

Lendwise

is the UK's leading education finance platform that enables access to higher education by providing low-cost, flexible loans. We are based in London and regulated by the FCA . Our team is expanding rapidly, and we're inviting talented individuals to be a part of our journey to transform education financing.

Role: Credit Risk Underwriter

Are you an experienced professional looking to make a meaningful impact in the world of education finance? Join our Credit Risk Assessment team, where you'll play a pivotal role in ensuring responsible lending decisions for

Lendwise

student loans. As an underwriter, you will assess credit risk, evaluate affordability, and contribute to our commitment to accessible education.

Why Lendwise?

At

Lendwise

, we're not just growing; we're evolving and innovating. Today, we are the leading private education finance company in the UK. Now is the perfect time to join us and be a part of our exciting journey.

Your Responsibilities:

- Make lending decisions for unsecured student loans.

- Review income and expenditure data, analyze credit information, and research university courses and fees.

- Assess both creditworthiness and affordability of applicants.

- Analyze, prepare, and price loan cases within your mandate, providing recommendations for higher-level approvals when necessary.

- Identify opportunities for process improvement.

Our Ideal Candidate:

- Minimum of 1 years' experience in consumer credit analysis within unsecured consumer finance.

- Knowledge of underwriting and scorecard model development techniques.

- Ability to thrive in a fast-paced, independent work environment.

- A commitment to continuous professional development.

- Excellent verbal and written communication skills.

- Strong organizational skills with meticulous attention to detail.

- A team player with fluency in English; additional languages are a plus.

- Strong numeracy skills.

- Professional and courteous communication, both written and verbal.

- Familiarity with governance and relevant FCA regulations for a consumer P2P marketplace lender (TCF).

What You'll Do:

Working within the Credit Assessment team, you will:

- Analyse and assess incoming loan applications.

- Provide valuable insights through reports and other materials.

- Act as an advocate for the Credit Risk function as the business expands.

- Other related tasks, including participating in fairs/exhibitions.

About Lendwise

Lendwise

is a fast growing peer-to-peer (P2P) platform dedicated to education finance. We are based in London and regulated by the FCA. We enable access to education by offering low-cost, flexible student loans at competitive rates for ambitious and driven individuals who have the merit and ability but require funding to pursue their education. Our purpose is to make it easier for individuals to pursue their educational aspirations.

Our approach, through smart technology, looks at a borrower's profile including the course, university and much more so that a forward-looking view can be incorporated in the decision-making rather than just credit scores.

Our Commitment to Diversity:

Lendwise

is an equal opportunities employer that values diversity. We are strongly committed to providing equal employment opportunities for all employees and applicants. We believe that inclusive environments lead to better outcomes, and we invite individuals from all backgrounds to

If you're passionate about education and finance and want to be a part of a team committed to making a difference, we encourage you to apply and be a part of our exciting journey at Lendwise.

Job Types: Permanent, Full-time

Additional pay:

Performance bonus (discretionary)
Benefits:

Additional leave Private medical insurance Sick pay
Schedule:

Monday to Friday
Ability to commute/relocate:

London, EC4Y: reliably commute or plan to relocate before starting work (required)
Work Location: In person

Job Type: Full-time

Pay: 28,000.00-35,000.00 per year

Additional pay:

Performance bonus
Benefits:

Additional leave Private medical insurance Sick pay
Schedule:

Monday to Friday
Work Location: In person