Credit Underwriter

What you'll do...

• 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

What you'll need...

• 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 )

• Experience in Automotive sector is a huge bonus, but not essential.

• This role will have rotating weekend coverage, currently around 1 weekend in 4 with time off in lieu.

Why else you'll love it here

• Wondering what the salary for this role is? Just ask us! On a call with one of our recruiters it's something we always cover as we genuinely want to match your experience with the correct salary. The reason why we don't advertise is because we honestly have a degree of flexibility and would never want salary to be a reason why someone doesn't apply to Octopus - what's more important to us is finding the right octofit!

• Octopus Energy Group is a unique culture. An organisation where people learn, decide, and build quicker. Where people work with autonomy, alongside a wide range of amazing co-owners, on projects that break new ground. We want your hard work to be rewarded with perks you actually care about! Visit our perks hub - Octopus Employee Benefits

• Octopus Electric Vehicles, part of the Octopus Energy Group, won the Sunday Times best company to work for in 2024 . We were named 6th out of the top 100 start-ups to work for by Tempo in 2025 and on Glassdoor we were voted 50 best places to work in 2022. Our Group CEO, Greg has recorded a podcast about our culture and how we empower our people. We’ve also been placed in the top 10 companies for senior leadership

• Just to let you know, we are dog friendly company so you may see our 4 legged friends in the offices - feel free to bring yours! Rest assured though, we've taken lots of precautions for those who have allergies!

About us

The electric revolution has arrived - and from 2035 you’ll no longer be able to buy a new petrol or diesel car in the UK.

We’re building a whole new way for drivers to join the electric charge and not only learn about and shop for their EV online, but experience a 'lease for life' through an industry changing customer experience. This is the chance to join one of the UK’s most exciting start-ups – making it easy for individuals and businesses to go electric by getting their car, charger and energy all in one cracking deal.

Octopus Electric Vehicles launched in 2018 to make it seamless to switch to cleaner, greener driving. Our mission is to drive sustainable change, decarbonise the planet and provide our customers with fair pricing and a fantastic experience.

We're an Octopus Energy company—an innovative new energy supplier. We are part of the Octopus Energy Group, which seeks to improve the lives of millions of people by transforming the industries we operate in. The Octopus Group incorporates Octopus Energy, Octopus Healthcare, Octopus Investments, Octopus Property, Octopus Ventures and Octopus Labs.