Underwriting Representative

At Qred, we’re building the world's best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Underwriting Representative for the next phase of growth. About The Role As an Underwriting Representative, you will bridge credit evaluation and direct customer engagement to drive portfolio growth. You will take end-to-end ownership of lead conversion and account expansion, ensuring financial products align with business customer needs across our scaling financial systems. Key responsibilities

• Evaluate credit applications using quantitative financial data and qualitative borrower insights.
• Engage directly with business clients via phone to assess product fit and identify funding requirements.
• Execute targeted upselling and cross-selling initiatives to increase account value across existing portfolios.
• Convert qualified incoming leads into active accounts through structured follow-ups and rapid execution.
• Collaborate with internal risk and commercial teams to optimize lead workflows and approval conversion.

What we’re looking for You bring a structured approach to phone-based relationship management and credit execution. You thrive when given full ownership of client interactions, driven by a desire to build scalable commercial routines within a fast-moving fintech environment. Qualifications

• A couple of years of background in sales, insurance, finance, or commercial banking.
• Demonstrated experience in direct client management via phone, including account expansion, cross-selling, and upselling.
• Fluent in English and at least one Scandinavian language (Swedish, Norwegian, or Danish)
• Familiarity with financial products, credit risk principles, and business funding models.

Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. Qred is an international FinTech scale-up that specializes in digital financing solutions for small businesses, with operations in the Nordics, Benelux, Germany and Brazil. We are passionate about helping small businesses thrive and grow, by providing them with business loans and credit cards. Right now we’re in an exciting phase of our journey that focuses on growth through smart product development and technology fueled by international expansion.