Senior Credit Underwriter

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About the role

We have a great opportunity for a Senior Credit Underwriter Undertake manual credit worthiness assessments for FGH customers in line with regulatory standards and with consideration of the impact on both the customer and the business.

This is a hybrid role - working at least 2 days in the office with the remainder from home.

Role Responsibilities

• Underwrite new business applications and credit limit increase requests, delivering timely decisions within SLA and in accordance with Credit Policy.
• Review historic credit decisions based on irresponsible lending complaints from customers and provide summaries and recommendations to the complaints team.
• Clearly articulate and/or document the rationale for all decisions made.
• Provide coaching and support for Credit Underwriters.
• Suggest improvements to underwriting processes and procedures.
• Build and maintain effective relationships with the regulated complaints and wider FS team
• Deputise for the Credit Underwriting Manager.
• Maintain awareness of regulatory requirements and undertake all tasks in line with FCA and ICO requirements and all relevant codes of conduct.
• Be committed to the good treatment of customers at all times.
• Demonstrate behaviours in line with our Company Values.
• Take reasonable care for the health and safety of yourself and other persons who may be affected by acts and omissions at work.
• Ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules

About you

• 3+ years' experience underwriting consumer credit
• Good knowledge of the consumer credit industry and customer life cycle.
• Awareness of applicable consumer credit regulation.
• Good understanding of Credit Reference Agency data and its application.
• Competent in Microsoft Office
• Good written and verbal communication skills.
• Ability to work under pressure to tight deadlines with high levels of accuracy
• Able to work independently with minimal supervision.
• Ability to provide effective coaching for credit underwriters.
• 37.5 hours per week
• Able to commute to Bradford city centre 2 days per week (across Tue, Wed & Thu)
• May be required to work out of hours on occasion
• Ability to derive and communicate insight from data/Management Information.
• Coaching and training experience

Why FGH?

Our staff enjoy competitive benefits including staff discount, generous annual leave, healthcare cash plan together with a vibrant, colourful, creative and flexible working atmosphere. With our competitive benefits, and supportive teams our staff enjoy helping us on our mission and benefit greatly from the challenges that come with working for a successful retailer.

About us

Freemans Grattan Holdings (FGH) is based in West Yorkshire and is part of the OTTO Group - one of the world's largest online retailers.

Home to familiar brands such as Freemans, Grattan and Kaleidoscope, we have over 100 years of experience.

We're on a mission to help our customers live their best lives through a choice of quality basics, the brands they love and credible exclusive product supported by easy and rewarding ways to pay.

We offer excellent service and delivery seven days a week, with so much going for us - why not be part of the story.

We have over 600 UK employees working for us in various functions, including Marketing and Creative, Customer Experience, Warehousing and Logistics, Financial Services, Transformation, Buying and Merchandising, IT and Support Services.

Our values of Resilience, Empathy, Ambition, Commitment, and Honesty underpin our vibrant and dynamic culture.

We're heading for some exciting and challenging places, so why not join us and be part of our vision to create a modern, digital retailer with powerful customer brands, exciting product and compelling financial services.