Underwriter
Company
Location
Greater Manchester, England, United Kingdom
Posted At
6/25/2025
Advertise with us by contacting: [email protected]
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Description
Underwriting
🌏 Oxford / London / Manchester / Remote (commuting distance to any of our offices)
💷 Salary - from 30k p.a. plus yearly bonus scheme
⏰ 37.5 hours a week, shift patterns 9am to 5.30pm, 10am to 6.30pm, 11.30am to 8pm.
Weekend shifts are Saturday 10-6pm and Sunday 10-4pm – you'll work 1 in every 4 weekends
💖 Our perks
Our mission is to empower our customers by delivering simple experiences, straightforward lending products, and compassionate support, from application to final payment – and beyond.
Upgrading. Growing a family. Fresh starts. Big moves. Bumps in the road. - we finance cars, but more importantly, we finance people. Over the past 6 years, we've supported tens of thousands of customers on their car buying journey
As an employer, your career is important to us. We're committed to creating an environment where you can thrive as yourself. We celebrate diversity and inclusion, actively working to make sure every team member feels supported on their journey with us. Our Talent Development team is here to support your growth, providing opportunities for learning, development, and career progression
🙌 The Role
Underwriter at Oodle Car Finance.
As an Underwriter you will be responsible for assessing consumer credit applications from customers, making an informed decision whether to lend. These decisions are to be made in accordance with the companies lending policies, making sure the customer satisfies relevant credit reference checks. You will also identify potential fraudulent applications, liaising with other departments to investigate the situation. The underwriters are responsible for assessing customers' ability to repay loans, making credit decisions in line with company criteria, credit policy and within service level agreements to ensure excellent customer journeys.
What you'll be getting up to:
Our values are our personal brand and lay the foundation of what we care about the most. They provide us with guidance, so we can work towards the same goals. They are our DNA and are kept at the forefront of our Oodler's mind when making business decisions.
Oodle is proud to be an inclusive workplace and we recognise diversity of experience, thoughts and backgrounds leads to better customer outcomes and an environment where our colleagues can thrive. We have several DEI networks which are made up of our 'Oodlers' who strive to make positive impacts to our cultures.
We'd love if you could submit your application online, but if you need an alternative method or need reasonable adjustments to take part in the interview process, please email [email protected].
To find out how we handle your personal data please follow this link Recruitment Privacy Notice | Oodle Car Finance.
🌏 Oxford / London / Manchester / Remote (commuting distance to any of our offices)
💷 Salary - from 30k p.a. plus yearly bonus scheme
⏰ 37.5 hours a week, shift patterns 9am to 5.30pm, 10am to 6.30pm, 11.30am to 8pm.
Weekend shifts are Saturday 10-6pm and Sunday 10-4pm – you'll work 1 in every 4 weekends
💖 Our perks
- 🌏25 days holiday (rising to 28 after 3 years' service) plus bank holidays, to take time to recharge and do something you love.
- 🤒 Private Medical - via Vitality, with reward schemes paid for you and your family.
- 🤒 Health cash plan - via Simply Health for employee's and children claiming money back for dental, optical, etc
- 👍Pension – Oodle will contribute 5% of your salary into your pension pot to help you save for the future.
- 🥝Free breakfast, drinks and fruit in the office – you can help yourself to cereals, toast, fizzy drinks and lots of fruit.
- 🤟Employee discounts – discounts you can access anywhere, anytime for all major shops.
- 👌1 day volunteer day per year – an opportunity to give back to the community each year.
- ⭐Mental health care – 6 free counselling sessions via our EAP (Employee Assistance Programme).
- 🤧Paid sick leave – enhanced company sick pay.
- 👨Enhanced family leave – we provide enhanced family leave for primary and secondary caregivers.
Our mission is to empower our customers by delivering simple experiences, straightforward lending products, and compassionate support, from application to final payment – and beyond.
Upgrading. Growing a family. Fresh starts. Big moves. Bumps in the road. - we finance cars, but more importantly, we finance people. Over the past 6 years, we've supported tens of thousands of customers on their car buying journey
As an employer, your career is important to us. We're committed to creating an environment where you can thrive as yourself. We celebrate diversity and inclusion, actively working to make sure every team member feels supported on their journey with us. Our Talent Development team is here to support your growth, providing opportunities for learning, development, and career progression
🙌 The Role
Underwriter at Oodle Car Finance.
As an Underwriter you will be responsible for assessing consumer credit applications from customers, making an informed decision whether to lend. These decisions are to be made in accordance with the companies lending policies, making sure the customer satisfies relevant credit reference checks. You will also identify potential fraudulent applications, liaising with other departments to investigate the situation. The underwriters are responsible for assessing customers' ability to repay loans, making credit decisions in line with company criteria, credit policy and within service level agreements to ensure excellent customer journeys.
What you'll be getting up to:
- Underwrite all customer types and score bands within defined risk policy guidelines.
- Support the underwriting department in the completion of the necessary onboarding checks to ensure that customer applications are within Oodle's risk appetite.
- Review CRA documentation to identify any analyse any possible risks in the customers profile and make lending decisions based on the information identified.
- Undertake detailed analysis of financial documentation to ensure that declared income is recorded correctly and that the finance application is affordable for the customer.
- Reviewing KYC documentation submitted by customers to ensure their legitimacy.
- Liaise with customers and dealers to ensure quick turnaround times on all applications.
- Support and provide guidance to members of the offshore team and payout function in the completion of day-to-day activities.
- Ability to manage high volume of task and meet deadlines.
- Ability to understand and interpret financial information.
- Strong focus on ensuring good customer outcomes.
- Previous experience in financial services as an underwriter.
- Knowledge of regulations relating to Consumer Duty, Compliance, Data Protection, Anti Money Laundering, Consumer Credit Directive and Consumer Credit Act.
- Experience working within the Motor Finance sector.
- Good working knowledge of Word, Excel and PowerPoint.
- ☎️ Preliminary Interview (30 mins)
- 📹 Face to Face Interview (1 hour)
- 🏢 Final Round (30 mins with Head of Financial Crime)
Our values are our personal brand and lay the foundation of what we care about the most. They provide us with guidance, so we can work towards the same goals. They are our DNA and are kept at the forefront of our Oodler's mind when making business decisions.
- Embrace being human – empathy and diversity make us stronger.
- Strive for awesome – it's awesome when we do better every day.
- Everyone's a builder – we're in this together and we win as a team.
- Bravely honest – we're honest with ourselves and everyone else.
- Think customer – they're at the heart of everything we do.
Oodle is proud to be an inclusive workplace and we recognise diversity of experience, thoughts and backgrounds leads to better customer outcomes and an environment where our colleagues can thrive. We have several DEI networks which are made up of our 'Oodlers' who strive to make positive impacts to our cultures.
We'd love if you could submit your application online, but if you need an alternative method or need reasonable adjustments to take part in the interview process, please email [email protected].
To find out how we handle your personal data please follow this link Recruitment Privacy Notice | Oodle Car Finance.
Advertise with us by contacting: [email protected]
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