Underwriter (Home Improvement Loans)

Job Title: Underwriter (Home Improvements Lending) 
Working Pattern: Given the requirements for this role, we are unable to consider any fully remote working requests. 36.25 hours per week, operating between the hours of 8am - 8pm. This will involve early, late and split shifts on a rotating basis. Weekend work will typically be required one in every four weekends, however this may change due to business needs.
Salary: up to £28,000 dependent on experience and up to 20% bonus and benefits
Location: Cardiff - office based, hybrid after probation

Shaping the future of sustainable digital banking

Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK. 

People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together. 

Recognised in  The Sunday Times  Best Places to Work for 2024 and 2025, Tandem has also been named in  The Sunday Times  100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®. 

Tandem is growing fast and helping to shape the future of sustainable banking.

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.

The main purpose of the role is to support the Underwriting Manager to achieve departmental service levels whilst upholding company standards and complying with all relevant Company and regulatory obligations (including adherence to FCA rules (including FCA CONC rules, and delivering fair customer outcomes TCF, FCA, CCA, DPA).   

This is a key role in ensuring that the fair treatment of customers is embedded within the Underwriting team whilst ensuring that fair customer outcomes are consistently delivered. You will support Underwriters by processing applications and speaking with our customers over the phone.

 
Your Impact: Building a sustainable tomorrow

As an Underwriter at Tandem your focus will be on:

• Reviewing and assessing all new finance applications received, to an expected and timely deadline and to within agreed mandate
• Ensure that applications are worked compliantly and efficiently to company policies
• Review applications with an analytical eye to ensure every customer is treated as an individual
• Ensure that Individual, Department and Company set KPI targets are achieved
• Attend and implement all training and coaching to ensure full compliance to policies and procedures
• To work on any additional tasks as set out by the Senior Underwriter/Manager
• To ensure company policy regarding behaviours and conduct is always adhered to
• Ability to adapt to potential shift changes based on business demands
• Proactively manage all underwriting-related inbound communication (via telephone, correspondence, email, portal) from customers and third parties
• Identify situations that may require specialist handling (e.g. Knowledge and practical application of handling customer complaints, to include identifying complaints, logging and investigating with an aim to putting a resolution in place
• Ensure that all customer contact both written and verbal is conducted within Company standards, FCA regulations, Customer Complaint procedures and that the principles of TCF are upheld consistently with all customers
• Attain and maintain own competence to Training and Competence Scheme demonstrated by ongoing adherence
• Actively contribute to the achievement of the Underwriting and Company objectives and demonstrating Company values in everything you do
• Adherence to and promotion of a culture of treating our customers fairly to deliver fair outcomes

We’d love to hear from you if you have:

• Evidenced Underwriting experience
• Previous experience within UK based financial services (with relevant regulatory appreciation) is desirable
• Based in the UK, within a commutable distance to Cardiff
• A working and demonstrative knowledge of practical experience of administrative tasks and call handling is required
• Demonstrable knowledge of FCA rules delivering fair outcomes to customers, CCA and GDPR regulations 
• Demonstrable knowledge of how own performance affects wider Company objectives  

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
• Life Assurance at 3 x salary
• Electric Vehicle salary sacrifice scheme
• Cycle to Work salary sacrifice scheme and a free helmet
• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)
• Smart Tech scheme (buy goods with 0% interest)
• 10% discount on solar panels
• Tandem Hub for treats, cash back and discounts on UK retailers
• 2 days per year paid volunteering
• Free cereal, snacks and drinks in all offices
• Quarterly team social budgets

  Please note, some benefits are subject to eligibility criteria, such as passing your probation.

Our Green Deal: Your Impact Amplified

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:

• Volunteer 2 days a year for charity > receive an early Friday finish
• Raise £200 per annum for charity > Tandem provide PR and marketing support
• Have renewable energy at home > receive an additional 1 day annual leave
• Drive an electric car > receive £500 towards a home charger

Ready to make your mark?

Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role.

Sourcing Model

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.

 
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.

Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.