Senior Underwriter (Fintech)

Location: London, United Kingdom; hybrid with 3 days a week in the office

Company

hirify.global is a UK fintech providing affordable personal loans through AI, Open Banking data, and a broader assessment of customers’ financial situations beyond traditional credit scores.

What you will do

• Make balanced, commercially aware underwriting decisions for the unsecured lending product.
• Use in-house technology combining traditional lending methods with Open Banking analysis.
• Provide leadership within the Underwriting management team and cover team leads during absences.
• Monitor and improve underwriting processes and systems as the business scales.
• Guide junior underwriters, support training and onboarding, and provide quality control and feedback.
• Track financial industry regulations and assess their impact on underwriting decisions.

Requirements

• At least two years of proven underwriting experience, preferably in a senior role.
• Strong understanding of targets, performance management, and supporting colleagues in achieving goals.
• Proficiency in data analysis and evaluation, with sound IT and mathematical knowledge.
• Understanding of fraud, AML, customer vulnerabilities, and concerning trends.
• Excellent written English and communication skills.
• Ability to make informed decisions under pressure, work independently, and adapt in a fast-changing environment.

Culture & Benefits

• Open-plan office designed to support communication and collaboration across departments.
• Monday-to-Friday shift patterns, with one Saturday per month returned as overtime or time off in lieu.
• 25 days of annual leave plus 8 bank holidays.
• Equity participation, an employee loan, and a free gym membership.
• Two paid volunteering days per year and a team wellness budget.
• One month of paid sabbatical after four years.