Credit Risk Underwriter - TWE42494 - eFinancialCareers : Job Details

Credit Risk Underwriter

Location:London

Days in office:2-3 days a week

Engagement:Permanent

twentyAI are partnered with a UK based startup who are looking to expand the B2B lending landscape. Their mission is to provide startups and scale-ups with the opportunity to split invoices thereby enabling them to grow and thrive without the financial burden of traditional lending practices.

Since securing backing from venture capitalists in 2022, they have experienced rapid growth and are now poised to expand further in 2025.

They’re hiring a Credit Risk Underwriter to perform a critical business role to maintain risk governance, underwriting rigor, and portfolio performance.

Role Responsibilities

• Perform in depth credit underwriting for new and existing applications

• Provide analysis to existing processes and advise business on improvements to automation tools

• Conduct a thorough financial analysis of company accounts, cash flow, and trading performance

• Support collections and recoveries strategy, particularly with ageing receivables

• Develop and enhance credit risk framework and operational processes

• Provide QA on credit assessments and help standardise risk reporting

• Support fraud and portfolio monitoring efforts as part of a broader risk ownership

• Lead elements of customer onboarding from a risk perspective, ensuring KYC and compliance standards are consistently met

• Contribute to credit risk modelling, scenario analysis, and portfolio stress testing to inform strategy

Role Requirements

• Extensive experience in commercial credit underwriting, ideally in SME B2B lending

• Strong analytical and commercial judgement, with a passion for data backed decision making

• Experienced in assessing non standard risk cases and structuring credit recommendations

• Familiarity with regulatory compliance frameworks, onboarding processes, and financial crime controls

• Skilled in developing or leveraging credit risk models to improve decision making