Operations Manager (Underwriting)

About Us:

One third of the UK working age population are unable to access affordable credit. We at Amplifi want to rectify this issue. We aim to improve the nation’s financial health, using our state-of-the-art FinTech ecosystem, allowing ethical lending via credit unions accessible to everyone in the UK.

Amplifi Capital are one of the top 5 lenders in the near prime unsecured personal loans market in the UK. Through our innovative work we have grown our new customer volumes by 5 folds in just the last two years alone. Aiming to increase that number even further as we progress.

We are the biggest name in the UK credit union market with the two largest Credit Unions in the UK on the Amplifi platform. We at Amplifi Capital want to go beyond that, aiming to be the biggest player in the UK personal loan market for the near prime segment. Standing out against our competitors, being at the forefront of personal loans market. 

We don’t just want to stop there, with the launch of the Reevo Money and our anticipated credit card product in mid-2026 we are expanding our footprint in the near prime lending space. 

People always come first at Amplifi Capital. From how we engage with our customers to the thorough recruitment process. Our journey is just getting started, the business has attracted amazing talent so far, and we don’t plan on stopping yet!

The Role:

Reporting to the Senior Operations Manager, we are seeking a highly motivated and experienced Operations Manager to join our organisation in the Consumer Finance Underwriting department.

As a key member of our Loan Underwriting department, the successful candidate will be responsible for overseeing and managing the wider Underwriting department, as well as collaborating closely with other departments to mitigate risk and maximize departmental performance outputs.

This is a fantastic chance for an experienced Underwriter with a People Management background to join a professional & friendly team.

Join our team and take on a leadership role where your expertise in unsecured loan underwriting and passion for driving excellence will contribute to the success of our organization. Apply now and help shape the future of our lending operations! 

Responsibilities:

1.    Area Management: 

·       Lead and motivate to achieve departmental goals and objectives. 

·       Ensuring departmental documents, e.g. Underwriting Manuals, Guides & Policies are kept up to date. 

·       Deliver Underwriting of new business in line with Credit policies 

·       Leading on Underwriting related projects and products, ensuring customer impact and operations is carefully considered 

2.    Underwriting Oversight: 

·       Oversee the underwriting performance using exception and MI reports to identify system failures and potential gaps 

·       Review underwriting files, credit reports, income documentation, and other relevant information to assess the creditworthiness of applicants. 

·       Make informed credit decisions ensuring compliance with company policies and lending guidelines. 

3.    Risk Assessment: 

·       Conduct regular customer account reviews to ensure a continuous feedback loop back into Senior Management to mitigate risk and identify issues with current processes. 

·       Continuously review consumer duty controls to ensure Good Customer Outcomes for the department.

      4.     Process Improvement: 

·       Continuously evaluate and refine underwriting processes to enhance efficiency, productivity & loan performance. 

·       Identify opportunities of continuous improvement to streamline workflows, automate manual tasks, and implement best practices. 

·       Collaborate with cross-functional teams, such as Operations, Compliance, and Credit Risk, to drive process improvements and ensure seamless operations. 

       5.    Compliance and Quality Assurance: 

·       Maintain a thorough understanding of regulatory requirements and industry standards related to underwriting. 

·       Ensure compliance with all applicable laws, regulations, and internal policies. 

       6.    Reporting and Communication: 

·       Prepare and present regular reports on underwriting performance, including key metrics, trends, and recommendations for improvement. 

·       Communicate effectively with internal stakeholders, such as senior management to address inquiries, resolve issues, and provide updates on loan underwriting status. 

• Proven experience in either credit card or unsecured loan underwriting, with a strong understanding of credit risk assessment. 

• In-depth knowledge of lending regulations, compliance requirements, and best practices in underwriting. 

• Strong analytical and problem-solving abilities, with the ability to make sound decisions in a fast-paced environment. 

• Ability to report and present to Senior Management and Company Stakeholders. 

• Ability to lead a department to ensure team and company success in meeting set goals. 

• Ability to prioritise work to demanding deadlines; adaptable to changing priorities

• Strong interpersonal and communication skills

• Skills in Microsoft office suite applications (outlook, word, excel and Powerpoint)

• Problem solving skills demonstrating tenacity in handling and resolving queries.

• Competitive salary
• 25 days annual leave
• Pension
• Discounted Gym Membership
• Subsidised Nursery Fees
• Private Health Insurance
• Hybrid working (2 days from home)

Amplifi Capital is an Equal Opportunity Employer. We do not discriminate on the basis of race, religion, colour, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.