MarketInvoice is hiring a

Senior Underwriter - Invoice Finance

London, United Kingdom


“Online business lending with the X-factor” - The Times

At MarketInvoice, our vision is for entrepreneurs to have the time to build the world we all want to live in.

We think entrepreneurs should be able to get on with growing their business, instead of having to worry about cash flow. That’s why we’re making it quick and easy to get funding through our invoice finance and business loans. We’re here to unlock the endless possibilities that arise when entrepreneurs have time to focus on what they love.

With our smart online platform, we were a Fintech before that was even a thing. But it’s not just about the tech. One of our biggest assets is our team of bright, talented and motivated people from all over the world. It’s one of the things our customers value most about us and one of the best things about working here.

We get stuff done quickly at MarketInvoice, with less talk and ore action. It’s about thinking differently and not being afraid to do things that have never been done before.

Culture is a big deal for us. There’s always something happening, from fiercely competitive quiz nights to our Friday Town Hall meetings that roll into socialising on the roof terrace. We work, celebrate, share ideas, eat (lots of biscuits) and are always learning together as a team.

Our values matter and as part of the team, they’ll be yours too:

#MakeItHappen | #1Team1Dream | #AlwaysBeLearning

Hear from our Co-Founder, Anil Stocker, on his favourite MarketInvoice moment:


Our Risk team sits at the heart of the business, helping to develop new products, meet the needs of our customers, and develop world-leading risk-based pricing models.

As a Senior Underwriter for Invoice Finance you will play a key role in shaping the risk management capability of our Invoice Finance and Business loans portfolios – i.e. risk underwriting, monitoring, lending policies, end-to-end credit processes & procedures and developing our decisioning tools.

With your experience of lending to UK SME’s, you will provide timely, high quality and commercially driven risk decisions

to ensure that our business goals are maximised without compromising on Market Invoice’s strong reputation for risk management.


Reporting to the Head of Underwriting, you will have the following responsibilities:

  • Underwriting credit applications for Invoice Finance (selective invoice discounting & confidential invoice discounting) under personal delegated mandates, demonstrating sound judgement and strong commercial awareness across a wide number of sectors.
  • Provide strong analysis and evaluation of credit and financial data (commercial & consumer) and other information to determine the suitability of UK SME businesses for invoice finance and unsecured loan facilities.
  • Ensure timely completion of all applications within agreed service levels
  • Structure invoice finance facility proposals based on the quality of the book debt collateral and financial strength of the client
  • Work closely with the Audit & Survey Team to ensure field examinations are conducted in a timely manner and focus on the key relevant areas of the business.
  • Make recommendations for the ongoing development of systems, processes and business practices to provide improvements in efficiency and capacity.
  • Shape and develop our credit processes to deliver fast, efficient and robust decisions within agreed risk appetite parameters.
  • Provide coaching, advice, development and guidance for colleagues across the business as well as key business introducers on our risk parameters.
  • Undertake retrospective reviews of delinquent accounts to establish key learning points or to identify changes in risk approach.
  • Identify and monitor “watchlist” accounts and review requests for forbearance.
  • Assist the Sales and Customer success teams with risk related queries.



  • Minimum of 4 years risk management experience in the SME sector and invoice finance.
  • Be able to efficiently deal with more complex applications, drawing on their experience and industry knowledge. These will include the management of higher risk / Watchlist cases.
  • You have strong communication & negotiation skills.
  • You're analytical and have a good understanding of the key collateral and risk drivers specific to SME’s.
  • You have a strong knowledge of invoice finance risk in an underwriting, audit or client management capacity.
  • You pitch-in and aren’t afraid to get your hands dirty.
  • You work hard and are passionate about achieving great results.
  • You’re independent, well organised and with a “make things happen” attitude.
  • You’re excited by the challenge of revolutionising business finance.


Not only will you have the opportunity to make a huge impact at one of the UK's hottest FinTech companies, you will also have access to:

  • Best in class share options scheme.
  • Enhanced maternity leave.
  • Childcare vouchers.
  • Amazon Kindle and book allowance.
  • Clear career progression.
  • Private health coverage and half price Virgin Active gym membership.
  • Mentoring from industry leaders.
  • The opportunity to progress your career at one of the UK’s hottest FinTech companies.
  • 25 days of annual leave per year, plus your Birthday off.
  • A great office (complete with roof terrace, ping pong, table football and beer fridge) in the heart of Shoreditch

If this amazing role excites you, then get in touch ASAP!

We will do our best to reply to all applications, however if you have not had a response within 4 weeks, please assume your application has not been successful.

How will we use the information about you?

We will use your data to process your application, to allow us to assess your suitability for a role, market job opportunities and recruitment information and improve our sites. We may share your data with third parties to achieve these purposes. We will not share your data for marketing purposes.

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If you are unhappy with the use of your data, you can change your mind at any time by emailing [email protected]

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