Senior Underwriter

Responsibilities

• Review new business applications and make underwriting recommendations across corporate card and bill pay products for EU and US applicants.
• Analyze financial statements, bank data, bureau information, application details, transaction activity, and other risk signals to assess business health and repayment ability.
• Recommend approval, decline, lower limits, requests for more information, or other risk controls.
• Communicate clearly and professionally with customers when additional financial information or context is needed.
• Maintain high-quality decisions while managing a queue with defined SLAs and quality expectations.
• Build and improve underwriting documentation, workflows, operating procedures, risk playbooks, dashboards, and operational processes.
• Partner with Risk Strategy, Product, Engineering, Sales, Account Management, and Customer Support to improve policies, tools, and customer experience.
• Monitor underwriting outcomes and surface trends, gaps, and emerging risks to inform policy or tooling changes.
• Use AI and automation thoughtfully to improve speed, consistency, review quality, and operational leverage.

Requirements

• 4+ years of experience in underwriting, credit risk management, commercial lending, credit operations, or a related risk role.
• Experience in corporate cards, small business cards, payments, invoices, lending, fintech, banking, or related financial services.
• Strong financial analysis skills, including comfort reviewing financial statements, bank data, transaction activity, and other business health indicators.
• Clear written and verbal communication, especially when explaining sensitive underwriting decisions or requesting customer information.
• Strong investigative judgment and the ability to make defensible decisions with incomplete or conflicting data.
• Ability to operate independently in a fast-moving environment.
• Strong attention to detail and discipline around documentation, quality, and SLA management.
• Demonstrated AI fluency, including experience building and implementing AI-driven workflows.
• Experience underwriting businesses in European markets or working with EU-based financial services customers.
• Experience building or improving underwriting SOPs, risk playbooks, dashboards, or operational workflows.
• Comfortable supporting European customer needs, with occasional weekend or holiday coverage depending on the operating model.

Nice to Haves

• Experience at a high-growth startup or scaling operations team.
• SQL, Python, or analytics experience.
• Experience working directly with Sales, Account Management, Customer Support, Product, Engineering, or Risk Strategy teams.
• Experience supporting extended-hours, weekend, holiday, or regional coverage models.

Compensation and Benefits

• Salary: £74,000–£100,000.
• Flexible PTO.
• Centralized home-office equipment ordering.
• Health and wellness stipend.
• Budget for intra-office travel.
• Weekly coffee stipend.
• United Kingdom benefits include private medical insurance through Freedom Elite, virtual GP and at-home care via eMed x Livi, workplace pension through Penfold with salary sacrifice option, and parental leave of up to 16 weeks at 100% pay for birthing and bonding leave or 8 weeks for bonding-only leave, with additional time available at reduced pay.