Job Title: Underwriting Team Leader (Motor Finance)
Working Pattern: Monday to Friday, 36.25 hours per week (9:00 to 5:00)
Salary: £30,000 - £32,500 and up to 20% bonus and benefits
Location: Hybrid based at our Cardiff office

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

The main purpose of the role is to work with the Underwriting Manager (Motor Finance) in the leadership and management of a growing Motor Finance Underwriting Team.

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 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.
Led by our Managing Director, the Tandem Motor Finance team are building an exciting new proposition to the industry.  We’ll offer our digital products to hard working people across the UK through our network introducers with a very clear focus on our Green and Fair credentials. Our aim is to help power the potential of our customers, people, partners and investors.  

Your Impact: Building a greener tomorrow 

As an Underwriting Team Leader at Tandem your focus will be on:

  • Team performance, ensuring strong clear communication to achieve KPI’s set by the business.
  • Managing staff resource including assisting with effective recruitment in line with the recruitment policy.
  • 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.
  • Motivate and drive the Lending Team to positively contribute to the delivery of departmental and business key performance objectives, with Individual performance management through completing monthly 121’s and annual performance reviews, providing constructive feedback.
  • Ensure team SLA’s are met and when possible, exceeded for our intermediaries and customers. 
  • Act as a mentor to the immediate and wider team.
  • Have excellent understanding of our Credit policies, lending rules and appetite. 
  • Ensure our Fair and Green outcomes are upheld and championed.
  • Represent the department and positively contribute to relevant committee meetings/projects groups as directed by the Underwriting Manager (Motor) and the Lending Director (Motor). 
  • Maintain good level of knowledge of the relevant industry sector. 
  • Accountable for ownership of individual performance and contribution to achieve KPI’s set by the business. 

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

  • Experience of leading a team preferably within the Financial Services sector, promoting a culture of inclusion and idea innovation.
  • Experience as a Senior Underwriter in Motor Finance or Unsecured Lending.
  • Ability to support and motivate a team to achieve positive results with a customer first approach.
  • Excellent knowledge and understanding of FCA regulations and the regulated environment.
  • Ability to effectively coach and provide constructive feedback to all levels.
  • Good organisational and time management skills resulting in the ability to prioritise tasks to meet tight deadlines.
  • A flexible approach to meet the business needs and the ability to adapt and manage change/transformation.
  • Excellent written and oral communication skills.
  • Strong computer literacy including working experience on Microsoft Office.

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

  • People management experience.
  • Experience in Financial Crime and Fraud mitigation.

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 dayincluding, 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. 


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