Underwriter (Motor Finance)

Job Title: Underwriter (Motor Finance) 
Salary: up to £28,000 and up to 20% bonus and benefits 
Location: Hybrid work from our Cardiff offices (Wednesdays and Thursdays in office), during the initial training period you may need to be in the office slightly more often. After your initial training period, you’ll be added to the below rota pattern, which includes weekend work and the option to work bank holidays 
Working Pattern: 36.25 hours per week, main shift 09.00-17.00, one week in four you will work 10.00-18.00 
Weekend Work: You will need to work one weekend in four, with a lieu day for the Saturday the week before and a lieu day for the Sunday the week after. These are all rota'd out so you’ll have plenty of notice for what your shift pattern will look like 
Bank Holidays: this team have the option to work bank holidays (apart from Christmas Day, Boxing Day and Easter Sunday), you will be paid overtime for any bank holidays worked 

💚 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. 
 
Reporting to the Underwriting Team Leaders and Underwriting Manager, the Underwriter will be accountable for the achievement of short, medium and long-term plans to ensure that lending activities meet customer needs & regulatory requirements and individual conduct rules, as well as achievement of the agreed business KPI metrics.  

They will accurately assess and manage all lending opportunities to effectively decide in line with company policies and procedures, ensuring we deliver robust affordability, sustainability, credit worthiness and positive customer outcomes. 
  
Your Impact: Building a sustainable tomorrow  

As an Underwriter (Motor Finance) at Tandem your focus will be on: 

• Ensuring SLA’s are met and when possible, exceeded for our intermediaries and customers  
• Excellent understanding of our Credit policies, lending rules and appetite  
• Sound Commercial understanding  
• Good understanding of the FCA rulebook and ability to demonstrate the desired outcomes  
• Ensuring our Fair and Green outcomes are upheld and championed  
• Ownership of individual performance and personal development.  
• Represent the department and positively contribute to relevant committee meetings/projects groups. 
• Maintain good level of knowledge of the relevant industry sector.  
• Accountability for individual performance and contribution to achieve KPI’s set by the business.  
• Ownership of individual performance and personal development  
• Ensure all information for customers and creditors is correct prior to loan pay-out.  
• Processing loan pay-out and handling return of funds  
• Handling dealer and broker queries over telephone and email   

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

• Experience in a similar role within a financial services lending environment.  
• Excellent attention to detail and a desire to provide excellent customer service.  
• Ability to self-motivate and use own initiative to achieve individual target  
• Strong computer literacy including working experience on Microsoft Office  
• Some call centre or telephony support experience   
• Good document validation skills    

It would be great, but not essential if you have: 

• Good organisational and time management skills resulting in the ability to prioritise tasks to meet tight deadlines.  
• Ability to positively contribute to a team.  
• Excellent written and oral communication skills.  
• Good questioning techniques.  
• Good investigative skills.    

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:   

• 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 14.25 hours a year for charity > receive a half day on a Friday 
• Take part in a fundraising event > Tandem will match up to £200 a year 
• Have renewable energy at home > receive an additional 1-day annual leave  
• Drive an electric car > receive £500 towards a home charger 
• Use public transport or have a low emissions/hybrid car > entry into a £200 prize draw 
• Sign up to cycle to work scheme > receive £30 voucher for a cycling helmet  

Ready to make your mark?  

Apply now and let's pave the way to a more sustainable 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.