Capital Underwriting Specialist II

Since 2004, we’ve been bringing investment ideas to life and connecting capital with the right people and opportunities. Today, we manage more than £2.5 billion for a broad range of investors across five key investment strategies: Private Credit, Social Housing, Clean Heat, Energy and Venture. These strategies underpin the innovative range of investments we offer to both private (retail) and institutional clients.  There are 230+ employees at Triple Point, all committed to leaving the world demonstrably better than we found it. That’s why we’re a certified B Corp, signed up to the Principles for Responsible Investment, and were named a Sunday Times 'Best Place to Work  2025 & 2026'. If this sounds like an environment where you would flourish, then read on… The Function Triple Point Private Credit provides tailored lending solutions to lower mid-market businesses and specialist asset-backed sectors through its SME Debt Finance, Corporate Leasing & Lending, Property Development, Specialty Finance and Funds Finance strategies. By combining commercial expertise with flexible financing solutions, the team supports business growth while protecting investor capital. The Team The Credit & Risk team sits within the Group Risk & Compliance function and provides independent oversight across the Private Credit platform. Partnering with lending and portfolio management teams throughout the lending lifecycle, the team establishes and maintains the governance, frameworks and oversight that support consistent lending decisions, effective portfolio management and disciplined restructuring across all of Private Credit's lending strategies. Credit & Risk team members work collaboratively across credit underwriting, portfolio monitoring, restructuring, recoveries and assurance, providing specialist expertise across all of Private Credit's lending strategies. The Role The role is responsible for reviewing and challenging lending proposals across multiple verticals including SME Debt Finance, Property Development Finance, Corporate Lending & Leasing, Speciality Finance and Funds Finance. Working closely with origination teams, product heads and the Head of Credit, the Senior Credit Director ensures that transactions are approved within risk appetite and credit governance is applied consistently across the platform. This role is focused on transaction underwriting and credit governance. The Senior Credit Director s a voting member of Private Credit Credit Committees and supports the Head of Credit in maintaining overall portfolio discipline and credit culture. This role is focused on transaction underwriting and credit governance. Key Responsibilities  Credit Governance & Risk Discipline * Support the Head of Credit in maintaining a consistent credit framework and underwriting discipline across the platform. * Ensuring lending proposals are aligned with internal credit frameworks. * Maintaining consistency in underwriting standards across different lending products. * Helping identify emerging risks across sectors or product types. * Supporting improvements to credit policies, frameworks and review processes. Credit Committee & Deal Evaluation * Leading voting member of Triple Point Credit Committees, providing independent challenge and credit insight all lending verticals including: * SME Debt Finance * Property Development Finance * Corporate Lending & Leasing * Speciality Finance * Funds Finance * Assessing transaction structure, repayment mechanics and downside protection working with deal teams pre-application on a case-by-case basis to assist with structuring more complex transactions. * Challenging assumptions within financial models, valuations and exit strategies. * The role will often focus on larger, complex or higher-risk transactions where additional credit scrutiny is required.  Collaboration with Origination Teams *  Work closely with Origination and Product teams to support origination activities. * Support post approval completion activities – particularly documentation and security queries.  Support to Head of Credit  * Supporting committee preparation and decision processes. * Acting as escalation point for complex credit matters. * Contributing to credit strategy discussions. * Supporting internal credit training and knowledge sharing. Over time the role may include line management responsibilities within the credit team. Knowledge & Experience Essential * A proven background in a Credit Committee or Credit decision making environment covering lending transactions in a Private Credit, non-bank lending or Mid-Market (or above) Lending organisation. * Experience and clear understanding of technical lending landscape from activities across SME or Mid-Market Corporate lending covering areas such as leverage finance, structured finance or other event driven finance activities. * Ability to assess a broad range of lending structures including cashflow lending, asset-backed lending and development finance. * Strong financial analysis and bespoke structuring capability. * Experience participating in investment or credit committees. * The ability to challenge constructively while maintaining productive relationships with deal teams. * Strong judgement when assessing downside risk and recovery scenarios. Desirable * Experience across multiple lending products (rather than a single specialism) * Experience in dealing with distress lending situations * Prior lending experience in Funds Finance and Speciality Finance * Prior experience in rolling out new team structures in growing business environment. Why Join us? * You’ll join a talented, collaborative team in a connected environment where ideas and initiative are valued. * Be part of a growing and innovative team * We offer a competitive salary, a comprehensive benefits package, and genuine opportunities for growth and progression. * Opportunities for professional development and career progression. * At Triple Point, high performance means living our values every day: * Stay Curious. * Be Generous. * Take Thoughtful Action. * Pull Together. * Own It. In line with our values Stay Curious and Take Thoughtful Action every employee has access to ChatGPT Enterprise and is encouraged to explore how AI and automation can enhance their work. We see technology as a co-pilot, helping us improve efficiency and insight while keeping decisions grounded in thoughtful human judgement.   Triple Point offers a wealth of benefits including a contributory pension, hybrid/flexible working and ongoing learning and development opportunities. Check out our comprehensive list of benefits HERE.  Apply today for further information! Triple Point is dedicated to providing fair and equal opportunities for all individuals, including both current and potential employees. Discrimination of any kind based on factors such as age, disability, gender, sexual orientation, pregnancy, race, ethnicity, religion, gender identity, or marital status is not tolerated by the company. Our aim is to create a welcoming and diverse work environment where people from all walks of life feel valued and supported. We actively encourage individuals from various backgrounds to apply for job vacancies and become part of our team.  STRICTLY NO AGENCIES

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting THE ROLE We're building our second charge mortgage product from the ground up. We're looking for a Credit & Commercial Manager to own credit strategy for this product — someone who understands the mechanics of secured lending end-to-end, from quote through to completion. This is a foundational hire. You'll shape how we assess risk, price loans, and structure our credit policy, working closely with a small, senior cross-functional team spanning product, engineering, legal, and commercial. If you've spent years working in secured lending and want to help build something new rather than maintain something old, this is the role. WHAT YOU'LL DO * Define credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworks * Own risk scoring and pricing — develop and refine scorecards, risk segmentation, and pricing models that balance volume with portfolio quality * Drive growth whilst balancing risk — use analytic and credit judgment to drive growth through credit policy, work with the commercial team team to hit volume targets, and all whilst maintaining portfolio quality * Own the IRR/NPV/cashflow models - ensure we understand the economics of the asset we’re booking, and drive changes where needed * Design automated decisioning logic — translate credit policy into executable rules and decision trees that can be embedded in the platform, working with engineering to build the quickest, most automated secured product on the market * Help shape funding strategy — collaborate with the Capital Markets team to inform investor parameters around LTV limits, property valuations, and portfolio concentration, translating these into practical credit policy * Inform the property valuation and security process — ensure credit policy accounts for valuation methodology, panel management considerations, and charge registration requirements * Monitor portfolio performance — track early indicators, refine strategy based on outcomes, and report to senior stakeholders * Collaborate cross-functionally — work daily with product and engineering to embed credit decisioning into the platform, and with legal and compliance to ensure regulatory alignment (MCOB, Consumer Duty) * Get stuck in — this is a small team building something from scratch. You'll be hands-on across the full credit lifecycle, not managing from a distance WHAT WE'RE LOOKING FOR * Deep experience in secured lending credit risk — you've worked on second charge mortgages or similar secured products (bridging, BTL, specialist residential) and understand the product inside out * Strong knowledge of risk scoring and pricing — you've built or materially contributed to scorecards, pricing frameworks, or credit policy in a secured lending environment * Understanding of funding and capital constraints — you know how LTV covenants, property valuations, and investor criteria shape what you can lend and to whom * Commercial awareness and growth mindset — you understand that credit policy exists to enable lending, not prevent it. You think about accept rates, broker conversion, and competitive positioning alongside risk metrics * Familiarity with the end-to-end secured lending process — from quote through to completion, including how valuation, legal, and land registry processes interact with credit decisions * Analytical rigour — you're comfortable with data. SQL is required and Python experience is a plus, but what matters is that you think in numbers and can interrogate MI to drive decisions that lead to more good quality lending * Regulatory awareness — working knowledge of MCOB and FCA requirements for second charge lending * Experience designing for scale and automation — you understand how to structure underwriting policy as decision logic, scorecards, and rules that can be executed programmatically. You think in terms of tens of thousands of applications, not manual case-by-case review NICE TO HAVE * Experience with loan servicing — settlements, collections, arrears management, and recoveries in a secured lending context * Exposure to broker distribution models and how credit policy interacts with intermediary channels * Experience working in a startup or scale-up environment, or a desire to move from a large organisation into one * Experience with decisioning platforms or rules engines LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!