Credit Underwriting Manager job at City, Manchester, United Kingdom Full Time NEW

Do you enjoy working as part of an enthusiastic, passionate, and collaborative team?

Join our Credit Underwriting team

The credit underwriting team is a business critical, growing, and dynamic team led by the Head of Credit & Commercial risk who reports into the Group Financial Controller. The team work closely with the sales team, financial reporting, and various areas of business operations. The credit underwriting team are ultimately responsible for the management, underwriting, and control of credit exposure to the business in what is a rapidly evolving environment.

Success. The Softcat Way.

There’s a uniqueness to Softcat – what we do, how we do it and why we do it. That’s because we help customers to use technology to succeed, by putting our employees first. We give everyone the chance to step up and show how much they can achieve. We succeed when all our people succeed.

Be part of a team that enables business growth

This role is part of the Finance Management team and will lead the credit underwriting team supporting our rapidly growing and dynamic IT solutions business. This passionate, highly numerate underwriter will work closely with our finance and sales teams as well as external stakeholders, insurance brokers and customers alike, to maintain credit risk controls within an existing framework and provide a unique service to our customers.

As a Credit Underwriting Manager , you’ll be responsible for :

• Analyse customer risk profiles and validate automated credit scorecards
• Produce monthly risk reports and support senior credit governance forums
• Manage credit exposure, limits, and portfolio risk across customers and sectors
• Lead and develop senior underwriters, including performance, hiring, and KPIs
• Support board approvals and senior decision making within agreed authority levels
• Oversee trade credit insurance, budgets, and process improvements
• Manage and monitor the Deputy Credit Risk Manager performance, manage KPI’s during a performance management process through having challenging conversations
• Stre amli ning proces ses whe re need ed
• Partner closely with senior stakeholders across the business to align credit strategy
• Participating in credit review meetings with the senior leadership team, displaying understanding of customers who have gone into administrations, high exposure risks, industry updates and credit assessment SLA overviews.

We’d love you to have

• Strong risk assessment and analytical skills
• Proven leadership and team management experience
• Solid knowledge of underwriting regulations and compliance
• Commercial and financial awareness
• Confident decision making and stakeholder communication
• Strong knowledge across different areas of the business to ensure organisational goals are met.
• Demonstrate the ability to think around a subject, considering risk implications of our current policies and procedures.
• Experience s upporting the gro w th and d evelo pment of team me mbers .

We also acknowledge that the confidence gap and imposter syndrome are a real thing and can get in the way of us meeting fantastic talent, so please don’t hesitate to apply – we would love to hear from you!

Work in a way that works for you

We recognise that everyone is different and that the way in which people want to work and deliver at their best is different for everyone too. In this role, we can offer the following flexible working patterns:

• Hybrid working – 3 days in the office and 2 days working from home
• Working flexible hours – flexing the times you start and finish during the day
• Flexibility around school pick up and drop offs

Working with us

Wherever you work, we want you to experience the freedom and autonomy to realise your potential. You will feel supported by a team that celebrates individuality, encourages different perspectives, and embraces every background.

Join us

To become part of the success story, please apply now.

If you have a disability or neurodiversity, we can provide support or adjustments that you may need throughout our recruitment process or any mitigating circumstance you wish for us to consider. Any information you share on your application will be treated in confidence. You can find out more about life at Softcat and our commitments to diversity and inclusion at

Here at Softcat, we don’t prohibit the use of AI (artificial intelligence) in our application process, as we understand how far it can go to creating a truly equitable candidate experience. That being said, as a culture-driven organisation, we believe that the genuine essence of each person is what truly matters, so we highly encourage you to be as authentically you as possible when submitting your application to showcase your true and whole self.