At humm we offer a blended approach to working that gives you the flexibility to work at home or in the office depending on what you have on. We ask that you keep our customers front of mind at all times and that you get together with your team at least twice a week to connect and collaborate. The rest is open for discussion.
- Join our amazing humm team!
- Operate with a high degree of autonomy and independence
- Credit Underwriter/Analyst is a hybrid role covering underwriting of applications and supporting analytical projects
We Dream. We Design. We Deliver.
This is the place where you’ll be hands on. Where new ideas are welcomed and expected.
At every level and in every role we’re doers and builders. Not Managers and minders.
humm is an enduring fintech organisation with a proud legacy of rewriting the playbook for digital spending. We help people buy everything, everywhere, every day. Our product ecosystem of buy now pay later, and business financing products has been designed around the core needs of today's shoppers, retailers, and small and medium enterprises.
What's so exciting about this role?
The Credit Underwriter/Analyst is a hybrid role covering underwriting of applications and supporting analytical projects. The role will be responsible for assessing consumer credit applications while also supporting the management of the credit and fraud risk through data analytics. The role operates with a high degree of autonomy and independence and is expected to deliver against key performance indicators, striking the right balance between credit risk and new business acquisition.
What does and average day look like?
No day is average at humm but here’s an idea of what you can expect to do in this role:
- Assessment of Consumer Finance applications
- Review information and engage with applicants to obtain and documentation or further information required to reach a suitable credit decision
- Ensure creditworthiness, affordability and fraud are adequately assessed for reviewed applications
- Support the Credit Portfolio Manager in data analytics on portfolio performance, generating insights and identifying opportunities to enhance credit risk decisioning strategies
- Deliver quality customer service for queries related to the application journey in line with Treating Customers Fairly and Vulnerable Customer principles
- Identify application problems and escalate / resolve issues in a timely manner
- Cooperate with other teams and functions to achieve desired outcomes.
Who will thrive in this role?
You are flexible, driven and passionate about customers; you can operate in and contribute to a fast paced and dynamic environment and you bring excellent multi-tasking skills and a focus on delivering outcomes.
We are also looking for someone who brings:
- Experience in UK financial services in particular underwriting of unsecured personal loans
- Understanding of credit risk and automated decisioning strategies
- Experience or passion to develop data analytical skillset – use of different software/languages for data manipulation and visualisation
- Ability to make timely credit and business decisions
- Strong Attention to detail and ability to notice anomalies
- Excellent analytical skills together with an ability to think laterally and strategically
- Able to translate insights and reporting into operational activities and vice versa
- Confident in formulating and communicating ideas to senior management.
If this sounds like you then we would love to hear from you. Apply today!
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