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Octopus Energy
Finance & Accounting 3h ago

Credit Underwriter

Octopus Energy
United KingdomUnited Kingdom
Full-time
Not Disclosed
Mid-Level
VT

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Job Description

Key Skills Required

Master these to land this role

Consumer CreditCredit UnderwriterCredit Risk AssessmentAutomated Credit DecisioningB2B Credit

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We’re continuing to build our in-house underwriting team at Octopus Electric Vehicles. The focus is currently on expanding our underwriting capability for **B2B credit risk** for our business contract hire and salary sacrifice products but also includes assessing consumer credit.

What you'll do

  • Manage the day-to-day credit and underwriting process

  • Review and manage credit escalations and referrals

  • Own underwriting decisions for clients not captured by our auto-underwriting process (up to an agreed limit, based on experience)

  • Support in development of consumer scorecards, underwriting policy, process, and systems

What you'll need...

  • Willingness to get hands-on with processing and evaluating credit applications ranging from consumer to larger corporates (**essential**)

  • Ability to interpret credit application information, e.g., accounts and KPIs provided by clients (**essential**)

  • Experience in an **underwriting role** (**essential**)

  • Knowledge of credit policies

  • Familiarity with automated credit decisioning platforms (e.g., Lending Metrics)

  • Experience in vehicle leasing

đź’š Why else you'll love it here

  • Salary is discussed during the recruitment process and is flexible based on experience. We prioritize finding the right fit over rigid salary constraints.

  • Octopus Energy Group offers a unique culture with autonomy, diverse projects, and meaningful perks. Visit Octopus Employee Benefits for more details.

  • Octopus Electric Vehicles has been recognized as the 6th best startup to work for in 2025 and ranked among the 50 best places to work in 2022.

  • Dog-friendly office environment with precautions for allergies.

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Octopus Energy

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Octopus Energy (operating under octopus.energy, legally Octopus Energy Group Limited) is the premier, enterprise-grade renewable energy technology platform, clean utility pioneer, and global green asset orchestration powerhouse engineered to act as the definitive, high-visibility retail energy supply, decentralized grid management, and smart meter time-of-use tariff layer for tens of millions of homes and commercial entities worldwide. Founded in 2015 by visionary tech and energy entrepreneurs Greg Jackson (CEO), Stuart Jackson (CFO), Pete Miller, and AJ Lawrence, the corporation completely eliminates the severe systemic friction of traditional, fossil-heavy energy provisioning—where legacy utility providers encounter extreme customer dissatisfaction, billing opacity, and rigid infrastructure traps that block renewable adoption—by deploying its proprietary cloud-based "Kraken" tech stack. Moving far beyond passive power delivery lines or traditional regional monopolies, Octopus natively unifies hyper-flexible time-of-use digital pricing engines (such as the wholesale-pegged Octopus Tracker and half-hourly Agile Octopus), consumer heat pump systems, domestic battery arrays, electric vehicle concierge infrastructure, and commercial renewable generation management into a high-availability digital utility network. Serving as a mission-critical clean tech operator across the UK, Europe, North America, and Asia-Pacific, the collective manages over 11 million active accounts globally while its core software platform, Kraken, is contracted to orchestrate more than 40 million energy and water accounts worldwide. Reflecting its immense market dominance and investor validation, the high-growth giant commands an expansive institutional asset framework backed by over $1.96 billion in venture and private equity funding—supported by top-tier capital architects including Generation Investment Management, CPP Investments, Tokyo Gas, Origin Energy, and major funding expansions that value the enterprise at approximately $9 billion. Under the hood, its technology framework utilizes advanced machine learning engines designed to balance distributed energy resources with real-time supply and demand, high-frequency smart meter parsing pipelines, and developer-friendly data routing endpoints optimized to manage massive multi-region transactional billing logs with absolute precision and sub-second execution latency. What sets Octopus Energy apart is its uncompromising dedication to replacing fragmented, legacy utility models with an "Internet of Energy" that combines mathematical price predictability, hands-on customer-first service, and scalable grid decarbonization; by bridging the gap between performance-intensive relational software automation and front-row global climate transformation goals, the corporation remains the definitive cornerstone of modern algorithmic energy technology and global green utility infrastructure transformation.

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