Team Lead

**Job Title**:Team Lead - Underwriting
**Working Pattern**:Monday to Friday, 36.25 hours per week (9:00 to 5:00)
**Salary**:£32,500 and up to 20% bonus and benefits
**Location**:Hybrid based at our Cardiff office

**At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated Team Leader, ready to make an impact, we've got a space with your name on it**

**The primary purpose of this role is to support the Underwriting Manager (Motor Finance) in leading and managing a growing Motor Finance Underwriting Team.**While underwriting or motor finance experience is desirable, it is not essential. The key focus areas of the role include people management, supporting career development, conducting 1-to-1s, ensuring the team meets SLAs, and driving overall performance.

**We are Tandem - Where impact meets innovation**

Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share - all while nurturing our planet, our people and our customers. As one of Europe's fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future.

**Your team: Collaborators in change**

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers.

Led by our Managing Director, the Tandem Motor Finance team are building an exciting new proposition to the industry. We'll offer our digital products to hard working people across the UK through our network introducers with a very clear focus on our Green and Fair credentials. Our aim is to help power the potential of our customers, people, partners and investors.

**Your Impact: Building a greener tomorrow**

As an Underwriting Team Leader at Tandem your focus will be on:

- Team performance, ensuring strong clear communication to achieve KPI's set by the business.
- Managing staff resource including assisting with effective recruitment in line with the recruitment policy.
- Accurately assess and manage all lending opportunities to effectively decide in line with company policies and procedures, ensuring we deliver robust affordability, sustainability, credit worthiness and positive customer outcomes.
- Motivate and drive the Lending Team to positively contribute to the delivery of departmental and business key performance objectives, with Individual performance management through completing monthly 121's and annual performance reviews, providing constructive feedback.
- Ensure team SLA's are met and when possible, exceeded for our intermediaries and customers.
- Act as a mentor to the immediate and wider team.
- Have excellent understanding of our Credit policies, lending rules and appetite.
- Ensure our Fair and Green outcomes are upheld and championed.
- Represent the department and positively contribute to relevant committee meetings/projects groups as directed by the Underwriting Manager (Motor) and the Lending Director (Motor).
- Maintain good level of knowledge of the relevant industry sector.
- Accountable for ownership of individual performance and contribution to achieve KPI's set by the business.

**We'd love to hear from you if you have**:

- Experience of leading a team preferably within the Financial Services sector, promoting a culture of inclusion and idea innovation.
- Experience as a Senior Underwriter in Motor Finance or Unsecured Lending.
- Ability to support and motivate a team to achieve positive results with a customer first approach.
- Excellent knowledge and understanding of FCA regulations and the regulated environment.
- Ability to effectively coach and provide constructive feedback to all levels.
- Good organisational and time management skills resulting in the ability to prioritise tasks to meet tight deadlines.
- A flexible approach to meet the business needs and the ability to adapt and manage change/transformation.
- Excellent written and oral communication skills.
- Strong computer literacy including working experience on Microsoft Office.

**It would be great, but not essential if you have**:

- People management experience.
- Experience in Financial Crime and Fraud mitigation.

**Rewards that reflect your value,**what's** in it for you?**

At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us:

- 25 days annual leave plus 8 days Bank Holiday
- An additional day off for a 'celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc
- Buy or sell up to 5 days holiday a year
- Healthcare cash plan through Westfield Health worth a minimum of £750 per year
- Electric Vehicle salary sacrifice scheme
- Cycle to Work salary sacrifice scheme and a free helmet
- Salary sacrifice Pension contribution*