Staff Engineer - Credit & Underwriting

Ebury empowers ambitious businesses to achieve global growth, and we extend this philosophy to our team members. We promote innovation, collaboration, and problem-solving, creating an inclusive environment where everyone feels valued, supported, and positioned for success.If you are a collaborative individual eager to help revolutionize global business opera…

Location: London, England, United Kingdom Team Overview Kroo’s underwriting team combines data analysis with a commitment to understanding real customer behavior. The group plays a central role in evaluating credit applications and shaping lending practices as the bank grows. Integrity, transparency, and continuous learning shape the way the team works together. What You’ll Do Assess and make decisions on consumer credit applications up to £25,000 using open banking data, credit bureau reports, and application details. Analyze income and affordability, focusing on customer transactions and cash flow through open banking sources. Evaluate credit risk and decide on approvals or declines in line with Kroo’s policies, risk appetite, and regulatory requirements. Identify and document potentially fraudulent or suspicious applications, including performing KYC and fraud checks when needed. Apply sound judgment to near-prime cases, balancing customer outcomes with risk management. Work closely with colleagues in underwriting, risk, and operations to support a smooth customer experience. Help improve underwriting processes, controls, and decision standards as the team evolves. Maintain strong knowledge of Kroo’s products and understand how underwriting decisions affect customer experience and portfolio results. Keep up to date with UK regulations and compliance standards relevant to consumer lending. What We’re Looking For At least 2 years of experience in credit underwriting or credit risk assessment. Solid understanding of consumer lending, affordability checks, and credit risk concepts. Hands-on experience analyzing open banking data for income and affordability assessments. Strong analytical skills with attention to detail in risk review and decision-making. Clear communication and effective interpersonal skills. Kroo is growing and welcomes those who want to help shape the future of banking with a focus on trust and customer impact.

Recognise Bank, based in London, supports UK SMEs through lending and savings products. Since receiving its license in 2021, the bank has focused on building strong relationships with customers and fostering a diverse team. Role overview The Credit Underwriter assesses and underwrites commercial property secured loans. Reporting to the Senior Underwriter, this position works closely with the Loan Operations team to evaluate lending applications submitted by Lending Managers. Daily tasks include reviewing customer information, analyzing financial details, and ensuring each application aligns with Recognise Bank’s credit policies and lending criteria. The Credit Underwriter makes recommendations or decisions regarding loan approvals based on these assessments. Our values Can do, will do: Take ownership, solve problems, and adapt to changing customer needs. Be brilliant: Approach work with curiosity and enthusiasm, always looking for ways to improve. Do the right thing: Make decisions guided by integrity, responsibility, and care. Make a difference: Focus on positive impact for customers, colleagues, and communities.

Join Us in Empowering the UK’s Small Businesses At Funding Circle, we recognize that small businesses are the lifeblood of the economy, and our mission is to support them in achieving their goals. We’ve developed an innovative platform that leverages advanced data analytics to provide swift financing solutions in mere minutes instead of weeks.As part of Funding Circle, you’ll experience the dynamic energy of a fintech startup combined with the stability of a publicly traded company. This unique blend empowers our team members, whom we affectionately call Circlers, to take initiative and create meaningful impacts on our mission.We pride ourselves on being a high-performing team that supports one another. We challenge each other to excel, celebrate our successes, and collaborate closely—because we understand that together, we can achieve more.The impact we make is tangible: Last year, businesses utilizing our platform contributed £7.2 billion to the UK economy Join us in a mission with real significance![View Our Impact Report] | [Check Our Trustpilot Reviews] London (Hybrid) | 3 days in the office | Competitive Salary + BenefitsFrom day one, your contributions will have a direct effect on our customers and your colleagues. We believe in learning by doing, and you will be given the responsibility to take ownership of projects and witness the outcomes firsthand.Evaluate data including annual accounts, bank statements, and credit reference agency information to assess the risk of extending credit to SME borrowers on an individual loan basis.Enhance loan decision quality by incorporating market, industry, and portfolio insights into your credit evaluations.Expand your understanding of UK SMEs, including accounting practices, industry standards, financing norms, payment behaviors, and relevant legal frameworks to effectively assess credit risk.Deliver a top-tier experience for our borrowers by efficiently reviewing loan applications in line with our internal quality benchmarks.Contribute to the enhancement of systems, processes, and business practices by sharing insights to improve efficiency and capacity.Provide guidance and support to colleagues to ensure that commercial opportunities are optimized without jeopardizing Funding Circle's risk management....

Hybrid role based in LondonOur Vision To empower every e-commerce business around the globe to transform its data into immediate access to capital.At Uncapped, we recognize that conventional credit scoring methods are outdated. Rather than relying on historical credit bureau data, we are developing cutting-edge products that convert everything from sales figures to inventory levels, banking transactions to marketplace performance into actionable underwriting insights. This is not just an additional feature of our product; it is the core of our business.We are rapidly expanding, innovating, and shaping the future of SME lending. We seek an individual who can implement automation and process enhancements iteratively, introducing changes with a clear vision for our trajectory, all while maintaining the current operations.Role Overview We are in search of a Director of Product to lead the credit and risk product strategy throughout the entire customer journey. You will serve as a crucial link between our Risk, Engineering, Data Science, and Operations teams, ensuring that our underwriting platform transitions from manual processes to highly automated, data-driven decision-making.This is a pivotal role in a fast-paced, high-growth fintech environment. You will be responsible for creating the roadmap for how we collect, evaluate, and utilize alternative data to inform lending decisions. Your focus will be on enhancing automation rates, shortening decision timelines, and broadening our underwriting capabilities to incorporate new data sources, geographical areas, and products, including underwriting-as-a-service for acquired loan portfolios.You will not be starting from scratch; we already have a functional platform, live products, and collaborations with leading online retailers and embedded lending partners. Your task is to significantly enhance these offerings, iteratively, while ensuring smooth operations.About Uncapped Founded in 2019, Uncapped is a fintech company dedicated to providing working capital to SMEs across North America and Europe.We utilize various data sources to expedite, secure, and simplify credit decisions. Our partnerships with prominent platforms like Amazon and Walmart position us as the leading alternative lender worldwide.What You Will Do Own the Credit Product Roadmap: Define and drive the product vision for automated credit decisioning across all Uncapped products. Prioritize developments based on business impact, balancing quick wins with strategic initiatives. Translate complex credit-related requirements into clear engineering specifications and measurable outcomes.Scale Automation While Keeping the Lights On: Increase straight-through processing rates by identifying manual bottlenecks and systematically implementing solutions.

Join Updraft: Redefining Financial Empowerment.At Updraft, we are an award-winning, FCA-authorised fintech firm located in the heart of London. Our mission is to transform the financial landscape, making money management and borrowing as seamless as possible through automation and cutting-edge technology.Experience a comprehensive spending overview with our Open Banking integration.Receive complimentary credit reports coupled with actionable insights to enhance your credit score.Utilize our AI-driven financial planning tools tailored to assist users in managing their finances, eliminating debts, and boosting credit scores.Access intelligent lending solutions aimed at reducing your credit costs.Our growth trajectory is impressive, and we’re gaining recognition within the UK fintech sector.Over 800,000 users have benefitted from our mobile app, which has facilitated the transition of approximately £500 million in high-interest credit card debt to more cost-effective credit solutions, paving the way for improved financial health for countless individuals.Our products are highly rated, boasting a 4.8 score on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.Selected for the prestigious Technation Future Fifty 2025 program, which supports innovative and successful scaleups toward IPOs—30% of UK unicorns have emerged from this initiative.Featured in the Sifted 100 UK startups list for both 2024 and 2025, we are one of only 25 companies to achieve this recognition.We seek exceptional individuals to join us as we embark on our next growth phase, offering a unique opportunity characterized by meaningful purpose, measurable impact, and genuine ownership. Embrace a hybrid working culture based in London, where cross-functional teams tackle real-world challenges using state-of-the-art technology. Enjoy generous learning budgets, wellness perks, and the freedom to innovate, implement, and witness the impact of your contributions on customers' financial journeys. At Updraft, you will play a pivotal role in constructing a fairer credit system.The RoleAs the Underwriting Manager, you will lead our Underwriting team, overseeing all underwriting procedures and continuously refining them to enhance decision-making speed and business outcomes. You will also manage fraud detection, addressing potential fraud at both the application stage and post-application where necessary.We are looking for a proactive leader who can take ownership of these critical areas and drive substantial process enhancements through automation and AI initiatives, all while elevating overall business performance. The ideal candidate will define the overarching strategy, identify relevant automation use cases, collaborate effectively, and possess sufficient technical acumen to work closely with our Engineering team in implementing these changes.

Join Us in Empowering UK Small Businesses At Funding Circle, we recognize that small businesses are the backbone of the economy, and our mission is to support their success. Our innovative platform leverages advanced data analytics to provide businesses with the funding they need in mere minutes, not weeks.We embody the dynamic spirit of a fintech startup while benefiting from the stability of a public company. This unique blend empowers our team members, known as Circlers, to take meaningful ownership of their work and drive impactful change.Our high-performing team is dedicated to uplifting one another. We challenge, support, and stand by each other because we understand that together, we can achieve more and build better solutions.Make a Real Impact: In the past year, the businesses on our platform have generated £7.2 billion for the UK economy Join us on a mission that truly matters![Explore our Impact Report] | [Check our Trustpilot Reviews]About the Role London (Hybrid) | 2 days in the office weekly | Competitive Salary + BenefitsWe are seeking a seasoned Staff Engineer with a proven record of technical leadership to join our Product Engineering team.This pivotal role within our Short Term Credit Engineering Group involves leading the development of our advanced platform that enables customers to apply for and manage their credit products. As one of the senior leaders within our Technology division, Staff Engineers are critical in setting high standards and facilitating remarkable achievements.Work closely with product leadership to grasp business objectives and steer the technical direction accordingly, translating these into a comprehensive system and data architecture with defined milestones.Exhibit strong technical documentation capabilities, crafting clear and detailed technical designs and standards.Maintain high standards, promote continuous improvement, and inspire others to reach new heights.Proactively identify and adopt the latest Generative AI tools and techniques to foster innovation and revolutionize our engineering processes, driving the organization towards becoming fully "AI Native.".

About Checkout.com Checkout.com supports online payments for well-known brands including eBay, ASOS, Klarna, Uber Eats, and Sony. The platform handles billions of transactions each year, helping businesses and their customers move money smoothly and securely. Headquartered in London, Checkout.com operates from 19 offices across six continents. The team works in a performance-driven setting where individual contributions matter. Employees have the chance to help shape the future of fintech. Role Overview: Senior Analyst, Enterprise Underwriting The Senior Analyst, Enterprise Underwriting, will join the London office. This role centers on reviewing enterprise customer applications, with a focus on: Due diligence Credit exposure Financial analysis This position works closely with teams such as Business Development, Sales, Legal, and Senior Management. The analyst will also interact with high-value merchants and partners.

About Us At Ki Insurance, we are at the forefront of innovation in the insurance industry. Our unique portfolio includes insuring space shuttles, world tours, renewable energy projects, and even the legs of famous footballers.Our mission is to disrupt a 335-year-old market through digital transformation. Partnering with industry leaders like Google and UCL, we have developed a cutting-edge platform that employs algorithms, machine learning, and large language models to deliver insurance quotes in mere seconds, a significant leap from the traditional days-long process.As the largest global algorithmic insurance carrier and the fastest growing syndicate in the Lloyd's of London market, Ki Insurance has achieved unprecedented milestones, including generating $100 million in profit within our first three years.Our diverse teams operate in an agile, cross-functional environment, collaborating to create exceptional customer experiences. With ambitious goals ahead, we are seeking brilliant minds to challenge the status quo and help us explore new horizons.Your Role:As a Portfolio Underwriter, you will play a crucial role within our Portfolio Management team. You will assist in shaping and executing underwriting strategies to ensure profitable business operations. Your market understanding will enable you to identify opportunities, evaluate legal considerations, and leverage existing relationships to enhance our visibility in the London Market. You will collaborate with the Account Manager to define and deliver the KiDS underwriting strategy, translating it effectively among our brokers.Your Responsibilities:Utilizing your expertise in property underwriting, you will work closely with Underwriting Directors and the Portfolio Management Team to continuously refine our strategies. You will engage with distribution partners and market feedback to optimize our commercial approach, enhancing our algorithm’s performance and revenue generation strategies.

Marshmallow is seeking an Underwriter for a three-month fixed-term contract based in London. This position centers on reviewing insurance applications, analyzing risk factors, and deciding on suitable coverage terms for applicants. Role overview This contract role involves careful evaluation of customer applications and risk profiles. Decisions made in this position directly affect the coverage options offered and support Marshmallow’s goal of making insurance accessible and affordable. What you will do Review and assess insurance applications Analyze risks associated with each applicant Determine coverage terms based on risk evaluation Contract details Fixed-term: 3 months Location: London

About the Role abound is hiring an Underwriting Team Lead in London. This role guides underwriting practices and manages a skilled team. The Team Lead oversees daily underwriting operations, maintains compliance with industry standards, and encourages a cooperative approach to achieve team goals.

Join g-mass as a Business Analyst specializing in Underwriting, where you will leverage your analytical skills to enhance our underwriting processes. In this dynamic role, you will collaborate with cross-functional teams to gather and analyze data, identify trends, and provide actionable insights that drive business decisions.Your contributions will help streamline underwriting operations, improve efficiency, and ultimately support our commitment to delivering exceptional service to our clients. If you are passionate about data analysis and have a keen eye for detail, we invite you to apply and be part of our innovative team.

Join Allica Bank as an Invoice Finance Underwriter and play a crucial role in helping businesses secure their financial stability. In this position, you will assess and evaluate clients' invoice financing applications, ensuring that we provide tailored financial solutions that meet their unique needs.As an ideal candidate, you will possess strong analytical skills, attention to detail, and the ability to make informed decisions that align with our bank's risk appetite. Your expertise will contribute significantly to our growth and customer satisfaction.

Join qodea as a Credit Control Manager where you will play a crucial role in managing our credit policies and improving cash flow. You will oversee the credit control team, ensuring timely collections and minimizing risk. Your expertise will help shape our credit strategy and align it with the company's financial goals.

Join our dynamic team at Legal & General as a Group Protection Scheme Underwriter, where you will play a crucial role in evaluating and underwriting group protection insurance policies. This position offers an exciting opportunity to contribute to our mission of providing financial security and peace of mind to our clients.

Join Our Team as a Graduate Credit Analyst!At iwoca, we are experiencing rapid growth, and with an increasing number of customers comes the need for more credit decisions. Our dedicated team of 50 analysts is expanding, and we are on the lookout for motivated individuals to evaluate our clients promptly, fairly, and accurately.About iwocaIn the fast-paced world of small businesses, opportunities can arise and cash flow challenges can emerge suddenly. To thrive and expand, SMEs require financing that is as agile and responsive as they are.That’s why we created iwoca. Our innovative technology, expertise in data science, and exceptional customer service empower business owners to act decisively and confidently, precisely when they need to.We have already facilitated funding for over 100,000 businesses, providing more than £4 billion in financing. Our passionate team is motivated to help even more SMEs flourish by offering access to superior financial solutions and services that simplify business operations. Our ultimate goal is to support one million SMEs at their pivotal moments, creating a lasting positive impact on their communities and economies.Our Company CultureAs we expand rapidly across our offices in London, Leeds, Frankfurt, and Berlin, we seek individuals eager to learn on the job and take the lead on projects, knowing that their contributions will affect thousands of small businesses.Your RoleAs a Graduate Credit Analyst, you will play a crucial role in making lending decisions for SMEs throughout the UK that approach iwoca.Your responsibilities will include:Evaluating credit data, financial statements, and various data sources to assess the risk level associated with lending.Conducting comprehensive due diligence to verify the affordability of credit in accordance with our internal policies.Gaining a thorough understanding of and accurately capturing the specific revenue and risk factors affecting SMEs.Being entrusted with the responsibility to make informed lending decisions.Enhancing our underwriting framework by delivering consistent, high-quality lending decisions to facilitate better, faster, and fairer outcomes.Effectively communicating with our Account Management teams to ensure customer needs are addressed.

Role overview Wise is looking for a Senior Credit Risk Manager to lead credit risk assessment strategies in London. This role shapes how Wise manages credit risk and strengthens the company’s risk management practices. What you will do Analyze credit data to identify trends and potential risks Develop and refine risk models for Wise’s credit portfolio Guide initiatives that improve the credit risk framework Work closely with teams across the business to share insights and support decision making Help shape credit policies and risk management approaches What we’re looking for Strong analytical skills with experience working with complex datasets Ability to communicate clearly with cross-functional teams Proactive approach to identifying and managing credit risk Experience developing credit risk models and strategies

Join Zopa as a Senior Credit Strategy Analyst and be part of our innovative credit analytics team. You will develop risk models, conduct hypothesis testing, and monitor portfolio trends to enhance credit performance. Collaborate with cross-functional teams, including data science, product, and engineering, to create growth strategies, influence key strategic decisions, and uncover new opportunities through advanced analytical techniques. We seek individuals who can transform data into actionable insights and drive impactful decision-making.

About UsSmarkets: Revolutionizing the Betting IndustryAt Smarkets, we operate one of the most advanced prediction markets worldwide, with over £29 billion processed since our inception in 2010. With a community of over 200,000 traders globally, we are redefining betting across various domains, from sports to political markets, ensuring the most competitive prices and fair odds.Our technology stack is meticulously crafted for scalability, reliability, and speed, utilizing Linux, Kafka, Postgres, Kubernetes, along with Python 3, C++17, and React. We build the infrastructure that institutions rely on while making trading accessible to all. Our resilience has allowed us to thrive through every market cycle and industry evolution.Central to our success are our talented team members. We foster a high-performance environment where exceptional skills flourish, combining in-depth business acumen with a commercial outlook to fuel strategic growth.If you are excited about shaping the future of prediction markets with cutting-edge technology and a focus on customer satisfaction, Smarkets is the perfect place for you.Your RoleWe are seeking a highly skilled Staff Engineer to spearhead our engineering initiatives in a senior individual contributor capacity, directly reporting to the VP of Engineering. As the most senior technical individual contributor in the organization, you will be instrumental in guiding our technology stack and fostering innovation across various teams.Key Responsibilities:Serve as a senior technical authority, offering strategic direction and hands-on assistance for impactful projects while advancing the engineering roadmap.Collaborate with the VP of Engineering to optimize our tech stack and enhance development methodologies.Work in tandem with frontend and backend teams to architect scalable and reliable microservices using Rust, Python, and Typescript.Enhance service latency and performance across PostgreSQL, Redis, and Kafka-based systems.Facilitate the deployment of CI/CD, monitoring, and alerting frameworks to maintain system health and performance.Promote engineering best practices and contribute to a culture of collaboration, continuous learning, and innovation.Influence and cultivate a top-tier engineering culture.Identify innovation opportunities to drive business value and sustain a competitive advantage.About You:Proven experience in software engineering, with a solid foundation in computer science principles.Expertise in Rust, Python, and Typescript is highly desirable.Strong problem-solving skills and a passion for innovation.Excellent communication and collaboration abilities.Ability to lead and mentor junior engineers.

Convergent Research is seeking a Staff Engineer specializing in FPGA Engineering to join the team in London. This position centers on FPGA design and development for technology projects that drive ongoing research and engineering work. Role overview This role contributes to shaping technical solutions that advance the organization's research initiatives. The Staff Engineer will work closely with other engineers and researchers to address complex challenges in FPGA systems. What you will do Design and develop FPGA-based systems for a variety of research-focused projects Use advanced knowledge in FPGA engineering to tackle technical problems Collaborate with cross-functional teams of engineers and researchers Work environment The team emphasizes open communication and values creative approaches to problem solving. Collaboration and a focus on technical progress are central to the group’s work style.