Credit Risk Officer - London, United Kingdom - Lendwise

Description

Lendwise is an 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 (see below for more information).

We are seeking an experienced individual to join the Credit Risk Assessment team to ensure optimal credit risk analysis and underwriting evaluation of Lendwise student loans.

As an underwriter, you will play a pivotal role ensuring that lending decisions are aligned to the relevant their Credit Risk strategy whilst keeping to affordability and responsible lending guidelines.

Now is an excellent time to join our team - we are growing fast and we are excited about new ways to improve and innovate.

Purpose of the role

• Making lending decisions for unsecured student loans
• In addition to credit worthiness, assess affordability of customers
• Analyse, prepare and price loan cases within your individual mandate level, offering your recommendation to a higher level approval authority where appropriate
• Identify opportunities to improve the underwriting process
• Consumer Credit Analysis experience in unsecured consumer finance (min 2 years)
• Knowledge of underwriting and scorecard model development techniques
• Can work independently in a challenging, fast paced environment
• Welcomes the opportunity to develop their existing skills and build upon their experience, taking responsibility for their own continuous professional development
• Excellent communication skills both verbal and written
• Outstanding organisational skills with strong attention to detail
• Team player
• Fluency in English with additional languages a benefit
• Numerate to a high level
• An understanding of governance and relevant FCA regulations for a consumer P2P marketplace lender, such as TCF

Working within the Credit Assessment team, you will also

• Support the development of the business in the context of risk appetite, giving valueadd insights with reports and other such materials
• Act as an advocate for the Credit Risk function as the business grows

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.

General

Lendwise is an equal opportunities employer, values diversity and is strongly committed to providing equal employment opportunities for all employees and all applicants for employment.

Equal opportunities are the only acceptable way to conduct business and we believe that the more inclusive our environments are, the better our work will be.

We are seeking a hardworking individual to meet and exceed company targets by liaising with prospective customers (primarily via telephone) to ensure successful product sales.

This is a great opportunity to build and maintain knowledge of our key products and establish yourself as a specialist within our wider Credit Risk function.

Job Types:
Full-time, Permanent


Salary:
£35,000.00-£40,000.00 per year


Benefits:

• Additional leave
• Company events
• Company pension
• Private medical insurance
• Sick pay

Schedule:

• Monday to Friday

Supplemental pay types:

• Performance bonus

Ability to commute/relocate:

• London: reliably commute or plan to relocate before starting work (required)

Education:

• Bachelor's (preferred)

Work Location:
In person

Application deadline: 23/06/2023