Underwriting Specialist managing commercial lines for religious organizations, focusing on profitability and growth through effective risk assessment. Collaborating with agents and maintaining compliance standards.
About the role
- Director of Product owning credit and risk product vision for automated decisioning at Uncapped. Leading product development for credit and lending platforms in a fast-growing fintech environment.
Responsibilities
- Own the Credit Product Roadmap Define and drive the product vision for automated credit decisioning across the customer lifecycle all Uncapped products. Prioritise what gets built based on business impact, balancing quick wins with strategic bets. Translate complex credit related requirements into clear engineering specifications and measurable outcomes.
- Scale Automation While Keeping the Lights On Increase straight-through processing rates by identifying manual bottlenecks and systematically automating them. You will introduce iterative improvements to live underwriting workflows without disrupting existing operations. Design champion/challenger frameworks to test new decisioning logic safely in production.
- Expand Our Data Advantage Work with Data Science and Engineering to identify, ingest, and operationalise new alternative data sources (marketplace sales, inventory levels, banking data, platform performance metrics). Build the product infrastructure that turns raw data into actionable underwriting signals. Extend our models to support new products, geographies, and lending partners.
- Drive Portfolio Performance Own the feedback loop between portfolio outcomes and underwriting policy. Build monitoring and alerting systems that surface credit performance trends early. Partner with Risk to refine scorecards and decisioning thresholds based on real-world loss data. Ensure model governance and validation processes are robust and regulator-ready.
- Manage Stakeholder Complexity Navigate the intersection of internal teams (Risk, Engineering, Data Science, Finance, Operations, Legal) and external partners. Communicate trade-offs clearly to leadership. Ensure regulatory and compliance requirements (FCA, ECOA/FCRA where applicable) are built into the product from the start, not bolted on later.
Requirements
- You have deep experience in product management for credit or lending platforms, ideally with hands-on exposure to automated decisioning systems processing high application volumes. You are comfortable with SQL, can interrogate portfolio data independently, and have worked closely with Data Science teams deploying models into production.
- You understand the tension between moving fast and managing risk in regulated financial services. You have experience with at least one decision engine or credit automation platform, and you know how to design A/B testing and champion/challenger strategies for underwriting logic.
- You thrive in high-growth environments where priorities shift, and you are energised rather than frustrated by ambiguity. You have led cross-functional teams and can operate at both the strategic level (roadmap, vision, trade-offs) and the tactical level (writing specs, unblocking engineers, reviewing edge cases).
- Experience in fintech or alternative lending is valuable but not essential. What matters most is that you understand credit products deeply and can ship iteratively in a fast-moving environment.
Benefits
- Unlimited holiday: we believe that well-rested and happy people make the best employees
- Competitive compensation plan
- Personal growth fund: Raise your game from great to spectacular
- Monthly recognition and awards: Celebrate wins big and small
- The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
- Workspaces in Warsaw, London and Atlanta
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
No Education Requirement
Tech skills
Location requirements
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