Recruiting now
| Posted: | 16/07/26 | |
| Recruiter: | Martin Veasey Talent Solutions | |
| Reference: | 3140170681 | |
| Type: | Permanent | |
| Salary: | £50,000 - £90,000 Annual Bonus + Benefits | |
| Location: | UK | |
| Description: |
Credit Decisioning Specialist
Business Lending & Portfolio Risk
Northampton (Office-Based) 50,000 - 70,000 + Annual Bonus + Private Healthcare + Enhanced Pension + Benefits
Credit decisioning is evolving rapidly. The businesses leading that evolution are the ones that combine data science capability with experienced human credit judgement. This is one of those businesses - and this is the role that sits at the intersection of both. The Business A high-growth specialist SME lender has invested significantly in proprietary AI-driven credit scoring, automated decisioning infrastructure and data science capability. The business underwrites both broker-introduced and own-book lending, and has built a credit function that is genuinely analytical - not one that simply applies policy. The credit and data teams work in close proximity. Decisioning models are continuously refined. Portfolio performance is monitored analytically. And the underwriting team operates with real sanctioning authority - combining the outputs of the technology with independent commercial judgement on every material decision. The Opportunity The business is seeking a Credit Decisioning Specialist to take a central role within its commercial credit function. This is not a pure modelling role and it is not a pure underwriting role - it is a role for someone who is comfortable in both worlds. You will assess complex SME lending applications with genuine decisioning authority, work closely with the data science team on credit model performance, contribute to underwriting policy and portfolio risk frameworks, and provide mentorship and guidance to junior colleagues. Key Responsibilities
The Candidate You have developed your credit career in a demanding, data-aware lending environment. You understand both the power and the limitations of automated credit models. You can make independent decisions, articulate your reasoning clearly, and engage with portfolio data at a level that goes beyond individual transactions.
Target Backgrounds Professionals from specialist SME lenders, new challenger banks, fintech credit platforms and data-enabled business finance businesses are particularly encouraged to apply. Credit risk analysts with underwriting authority, senior underwriters with strong analytical depth, and lending professionals who have worked alongside scorecard or model development teams are all strong fits for this role. Salary & Benefits
Location Northampton. Fully office-based. The business operates a highly collaborative credit and data culture - the underwriting team, data science function and senior leadership work in close daily proximity. This environment is central to the quality of decisioning the business produces. Relocation assistance is available for exceptional candidates. If you have built your credit career in an environment where data and judgement work together - and you want a role where both are genuinely valued - this is worth a conversation.
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