Original listing text, shown exactly as published by the company.
About the Role
We are launching a new technology-driven lending platform in Spain through the establishment of a regulated EFC. We are looking for a highly hands-on Senior Underwriter to help shape the Spanish underwriting framework during a critical growth and licensing phase.
This role combines day-to-day underwriting expertise with policy development, automation support, portfolio quality oversight and operational scaling.
The successful candidate will play a key role in bridging manual underwriting expertise with scalable automated decisioning strategies suitable for a regulated consumer lending environment.
What you'll be doing
Underwriting & Credit Assessment
- Perform complex manual underwriting assessments for consumer lending applications.
- Review affordability, income verification, bank transaction analysis and fraud indicators.
- Assess exceptions and borderline cases outside automated decisioning rules.
- Ensure consistent and responsible lending decisions aligned with internal credit policies and Spanish regulatory expectations.
Credit Policy & Decisioning Framework
- Support the CRO in the development and refinement of underwriting policies, scorecards and affordability rules.
- Contribute practical underwriting expertise into automated decisioning strategies.
- Identify opportunities to reduce manual interventions while maintaining portfolio quality.
- Help define credit segmentation strategies, cut-off logic and referral workflows
Automation & Process Optimisation
- Work closely with Risk, Data Science and Technology teams to translate underwriting logic into scalable decision engines.
- Support the implementation and tuning of automated lending rules.
- Help improve onboarding journeys, verification flows and fraud prevention controls.
- Participate in testing and validation of underwriting systems and rule changes.
Portfolio Monitoring & Quality Assurance
- Monitor underwriting quality and consistency across the underwriting team.
- Identify emerging credit, fraud or operational risks.
- Support root cause analysis on arrears, fraud events or policy breaches.
- Assist with underwriting QA frameworks and governance controls.
Team Development
- Act as a senior reference point for junior underwriters.
- Provide coaching, mentoring and training support.
- Help establish underwriting procedures, documentation and operational best practices.
- Contribute to building a high-performing underwriting culture aligned with regulated lending standards.
Who you are
- 5+ years of underwriting experience within consumer finance, fintech lending, banks or regulated lenders.
- Strong understanding of unsecured consumer lending products.
- Experience reviewing affordability and transactional banking data.
- Practical experience operating within policy-driven underwriting environments.
- Exposure to automated decisioning systems and underwriting rule frameworks.
- Experience working with Spanish consumer lending regulation and responsible lending expectations.
Ideally. you'll also have
- Experience within a digital lender environment.
- Familiarity with open banking-based underwriting models.
- Experience supporting underwriting automation projects.
- Exposure to fraud prevention and financial crime indicators.
- Experience operating in high-growth fintech or scaling environments
Skills and Competences
- Strong analytical and decision-making capability.
- Pragmatic commercial judgement balanced with risk discipline.
- Ability to work in fast-moving and evolving operational environments.
- Excellent attention to detail.
- Strong communication and stakeholder management skills.
- Hands-on mentality with willingness to operate both strategically and operationally.
- Comfortable working across Risk, Operations, Technology and Compliance functions.
