Consumer Underwriter

We're continuing to build our in-house underwriting team at Octopus Electric Vehicles. The focus is currently on expanding our underwriting capability for B2B credit risk for our business contract hire and salary sacrifice products but also includes assessing consumer credit. We're creating a new set of policies, processes and tech tools to efficiently and accurately assess credit risk. Our goal is to become an industry leader in our ability to provide quick credit line decisions to both B2B and consumer clients.

Responsibilities

Manage the day-to-day credit and underwriting process; Review and manage credit escalations and referrals; Own underwriting decisions for clients not captured by our auto-underwriting process (up to an agreed limit, based on experience); Support in development of consumer scorecards, underwriting policy, process and systems

Requirements

Willingness to get hands on with processing and evaluating credit applications ranging from consumer to larger corporates (essential); Ability to interpret credit application information - e.g. accounts and KPIs provided by clients (essential); Experience working in a hands-on credit assessment & underwriting role (essential); Knowledge of credit policies; Familiar with automated credit decisioning platforms (e.g. Lending Metrics); This role will have rotating weekend coverage, currently around 1 weekend in 4 with time off in lieu.

Nice to have

Experience in Automotive sector (huge bonus, but not essential)

Benefits

Time off in lieu; Dog-friendly company