Underwriting Junior Manager

Propel (TSX: PRL) is the fintech company building a new world of financial opportunity by facilitating access to credit for consumers underserved by traditional financial institutions. Through its AI-driven platform, Propel evaluates customers in a more comprehensive way than traditional credit scores can. Our revolutionary fintech platform has already helped consumers access over one million loans and lines of credit and over one billion dollars in credit.

To build a new world of opportunity we bring together the brightest talent to help us build opportunities. We are entrepreneurs and believe in measuring success through results and growing within; talent and hard work never goes unnoticed. At Propel, we are here to change the way employees, customers and shareholders succeed together.

We are a team of passionate entrepreneurs, who foster curiosity and growth in our employees. Our culture is why we have been so successful and why our employees choose Propel to build their careers.

Join us as we change the way employees, customers and shareholders succeed together.

The role:

The Team Underwriting Manager is a first-line leadership role, sitting between Underwriter and Underwriting Manager, with support from a Senior Underwriter. You will support the day-to-day performance of the Underwriting Team while continuing to apply sound lending judgement. Acting as a first point of escalation, you will coach and develop Underwriters, support quality and audit activities, and help embed new controls, processes, and technology. This role is ideal for an experienced Underwriter or lending professional looking to take their first formal step into leadership.

Key responsibilities:

• Support daily workflow, queue management, and operational cover.
• Act as the first escalation point for complex or sensitive applications.
• Coach and develop Underwriters through side-by-side support, case reviews, and constructive feedback.
• Support onboarding, development plans, and targeted training to address knowledge gaps.
• Monitor productivity, service levels, decision quality, affordability assessments, and customer outcomes.
• Use management information and performance data to identify trends, risks, and opportunities for improvement.
• Support audits and quality assurance activity, ensuring findings are addressed through coaching, training, and process improvements.
• Promote adherence to lending policy, operational controls, and FCA Consumer Duty principles.
• Help implement new controls, policies, systems, tools, and automation initiatives.
• Work closely with Quality Assurance, Training, Compliance, Product, and Technology teams.
• Support the achievement of individual and team performance targets, taking proactive action to address performance gaps.
• Recognise and celebrate high performance while managing underperformance through coaching, development plans, and formal performance processes where appropriate.
• Deputise to the Underwriting Manager when required.

What we're looking for:

• Experience within underwriting, lending operations, or a regulated financial services environment.
• A strong track record of accurate, fair, and consistent decision making.
• Experience supporting colleagues through coaching, mentoring, or informal leadership responsibilities.
• Good understanding of affordability, risk management, responsible lending, and customer outcomes.
• Strong communication, organisational, and problem-solving skills.
• Ability to remain calm under pressure and manage competing priorities effectively.
• Comfortable using operational systems, performance data, and emerging technologies.
• Sound judgement in knowing when to resolve issues independently and when to escalate.
• Proven ability to set, monitor, and achieve individual and team targets while identifying and addressing underperformance in a timely, fair, and supportive manner.

Desirable experience:

• Previous experience as a Senior Underwriter, Team Coach, or Subject Matter Expert.
• Audit, Quality Assurance, or Compliance experience.
• Experience supporting vulnerable customers.
• Experience with process improvement initiatives, automation, or Salesforce.
• Ability to multitask and adapt to changing business priorities.
• Experience monitoring and managing performance against operational targets and service levels.

Success in the role:

Success in this role will be demonstrated by:

• Underwriters receiving timely, consistent, and effective support.
• Achievement of productivity, quality, and customer outcome targets.
• Improved team performance through coaching, training, and development.
• Early identification and resolution of audit findings, control weaknesses, and operational risks.
• Effective embedding of new processes, controls, technologies, and ways of working.
• Clear escalation of risks and issues, supported by practical recommendations and solutions.
• A positive, accountable team culture that drives both performance and customer outcomes.

Benefits of joining Propel:

• Competitive salary
• Pension
• 25 days holidays, increasing by 1 day per year (up to 30)
• Growth and opportunity – we pride ourselves on promoting from within
• Incredible company culture
• A culture that values innovation, collaboration and continuous improvement.

Our Culture:

Propel brings together the brightest talent to build opportunities. We are entrepreneurs who measure success through results and growth from within; talent and hard work never go unnoticed. Our team fosters curiosity and growth.

Equality, Diversity & Inclusion:

Our organisation is made up of brilliant people. Each of us is unique, whether in terms of our background, personal characteristics, experience, skills or motivations. And we value our people for the differences they bring to the table. These differences - this diversity is powerful.

Fostering an inclusive culture helps each of us to benefit from a wider range of these different perspectives, experiences and skills. We believe that this creates a happier, more productive working environment for us all.