Job Title: Underwriter (Home Improvements Lending) 
Working Pattern: Rotating shift patterns, Monday to Sunday, 08.00 - 20.00, 36.25 hours per week. Hybrid working and flexible shifts available
Salary: £25,000 - £27,000 and up to 20% bonus and benefits 
Location: Cardiff (hybrid working) 

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

The main purpose of the role is 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, 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.

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.  

Tandem also leads the way with a secondary app called Loop. Loop gives customers a simpler, hassle free and awkward free way to share money among friends. 

Your Impact: Building a greener 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 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 
• requirements (including but not limited to annual statements and redemption quotations) 
• Identify situations that may require specialist handling (e.g. complaints, vulnerability, fraud) and 
• refer these where appropriate 
• Knowledge and practical application of handling customer complaints, to include identifying 
• complaints, logging and investigating with an aim to putting a resolution in place 
• Knowledge and practical application of dealing with vulnerable customers at first point of contact to ensure their specific needs are understood and they are treated with care and consideration  
•  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  
• Proactively challenge existing processes and take ownership for implementing positive changes which are within own span of control  
• Keep up to date with all Company/regulatory changes particularly those which affect own business area  
• Ensure best practice and compliance is adhered to at all times  
• 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: 

• Demonstrable knowledge of FCA rules delivering fair outcomes to customers, CCA and GDPR regulations 
• A working and knowledge and practical experience of underwriting applications for unsecured loans - training can also be provided
• Previous experience in financial services (with relevant regulatory appreciation) 
• Demonstrable experience of identifying potential fraud 
• Demonstrable experience of Underwriting for loans with 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 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*, 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  

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.   

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 and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.