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Underwriter

2 weeks ago


Macclesfield, Cheshire East, United Kingdom Finclusion Full time £30,000 - £45,000 per year

Underwriter – Macclesfield (Office based)

Macclesfield | £30,000 + Discretionary Bonus | Mon–Fri, 9am–5.30pm (37.5 hrs) | Every other Saturday 9am - 4.30pm with a weekday off in lieu

Some of our benefits:

28 days holiday + bank holidays

Health Cash Plan (Simply Health)

Employee Assistance Programme (Health Assured)

Pension – we'll match your contributions up to 5%

Who we are: At
Finclusion
, we believe finance should open doors, not close them. We help people who may have been turned away elsewhere to access fair and affordable motor finance. Our goal is simple: to give more people the chance to get the vehicle they need to move forward in life.

(Finclusion is currently pending authorisation with the Financial Conduct Authority.)

The role: We're looking for an Underwriter to join our team in Macclesfield. You'll assess finance applications, balancing commercial needs with customer outcomes. Using data, policy, and judgement, you'll make responsible lending decisions while ensuring fair treatment of customers.

What you'll do:

Assess motor finance applications in line with policy and FCA requirements

Review affordability, credit history, and supporting documents

Identify risks and escalate where necessary

Communicate clearly with dealers and customers

Help refine underwriting processes for efficiency and fairness

What we're looking for:

Experience in underwriting or credit decisioning (motor finance preferred)

Strong analytical skills and sound judgement

Knowledge of affordability, credit risk, and responsible lending

Clear and confident communication skills

High attention to detail and accuracy

Why join us? We're a growing company with big ambitions — and none of it is possible without a strong team. At
Finclusion
, you'll be part of a supportive, collaborative environment where your work makes a real difference for our customers, with opportunities to grow as we grow.

How to apply: Apply via LinkedIn or email your CV to

with the subject line
"Underwriter – Macclesfield."