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Credit Underwriter
Title: Credit Underwriter
Category: Accounting & Finance
Job type: Permanent
Job status: Full Time
Salary: £40,000.00 - £49,000.00
Salary per: annum
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“Online business lending with the X-factor” - The Times

We believe that finance has moved on with technology - and we’re here to make it work better for businesses. We want to help entrepreneurs spend more time on ideas and less time worrying about their cash flow.

So what makes us different? With our smart online platform, we’re making it quick and easy for UK companies to access business finance. But it’s not just about the tech. Our people are our greatest asset and one of the best things about working at MarketInvoice.

We’re a team of bright and talented people from all over the world, who work together to get things done. Positivity is key to our culture, which means we support each other and have a lot of fun along the way.

At MarketInvoice, the opportunity for growth is as big as your ambition. We challenge ourselves to learn more and to think in different ways. In fintech, things move quickly - but that’s part of the adventure.

Our values matter and as part of the team, they’ll be yours too.

#MakeItHappen | #1Team1Dream | #AlwaysBeLearning

Hear from our Co-Founder, Anil Stocker, on his favourite MarketInvoice moment: /my-favourite-momen...


Our Risk team sits at the heart of the business, helping to develop new products, meet the needs of our customers, and develop world-leading risk-based pricing models.

As a Risk Analyst for Invoice Finance you will play a key role in shaping the risk management capability of our Invoice Finance and Business loans portfolios – i.e. risk underwriting, monitoring, lending policies, end-to-end credit processes & procedures and developing our decisioning tools.

With your experience of lending to UK SME’s, you will provide timely, high quality and commercially driven risk decisions

to ensure that our business goals are maximised without compromising on Market Invoice’s strong reputation for risk management.


Underwriting credit applications for Invoice Finance (selective invoice discounting & confidential invoice discounting) and unsecured business loan facilities under personal delegated mandates, demonstrating sound judgement and strong commercial awareness across a wide number of sectors. Provide strong analysis and evaluation of credit and financial data (commercial & consumer) and other information to determine the suitability of UK SME businesses for invoice finance and unsecured loan facilities. Ensure timely completion of all credit applications within agreed service levels. Structure IF facility proposals based on the quality of the book debt collateral and financial strength of the client Be responsible for the ongoing risk management, monitoring and control of a portfolio of IF clients Work closely with the Audit & Survey Team to ensure field examinations are conducted in a timely manner and focus on the key relevant areas of the business. Identify and monitor “watchlist” accounts and review requests for forbearance. Support the collections and recovery team with impaired case management. Undertake retrospective reviews of delinquent accounts to establish key learning points or to identify changes in risk approach. Assist the Sales and Customer success teams with risk related queries. Be actively involved in wider projects, such as Open Banking or product development initiatives. Make recommendations for the ongoing development of systems, processes and business practices to provide improvements in efficiency and capacity. Shape and develop our credit processes to deliver fast, efficient and robust decisions within agreed risk appetite parameters. Provide coaching, advice, development and guidance for colleagues across the business as well as key business introducers on our risk parameters. Requirements


You have relevant professional experience in risk management in invoice finance (either with a specialist provider or invoice finance division of a larger financial services organisation). Have a very strong knowledge of invoice finance risk in an underwriting, audit & survey or IF client management capacity. You’re analytical, with a strong understanding of the key collateral and risk drivers specific to SME’s You’re independent, well organized and with a “can do” attitude You work hard and are passionate about achieving great results You pitch-in and aren’t afraid to get your hands dirty You are data driven, and get things done You’re excited by the challenge of revolutionising business finance Benefits

Not only will you have the opportunity to make a huge impact at one of the UK's hottest FinTech companies, you will also have access to:

Best in class share options scheme. Innovation days. Enhanced maternity leave. Amazon Kindle and book allowance. Clear career progression. Private health coverage and half price Virgin Active gym membership. Mentoring from industry leaders. The opportunity to progress your career at one of the UK’s hottest FinTech companies. 25 days of annual leave per year, plus your Birthday off. A great office (complete with roof terrace, ping pong, table football and beer fridge) in the heart of Shoreditch If this amazing role excites you, then get in touch ASAP!

We will do our best to reply to all applications, however if you have not had a response within 4 weeks, please assume your application has not been successful.

How will we use the information about you?

We will use your data to process your application, to allow us to assess your suitability for a role and improve our sites. We may share your data with third parties to achieve these purposes. We will not share your data for marketing purposes.

We will keep your data safe in accordance with data protection legislation.

If you would like further information on how your data may be used please visit our website at /terms-and-conditions

If you are unhappy with the use of your data, you can change your mind at any time by emailing
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