Credit Risk Architect – (FICO Blaze Advisor, Pega, Decision Engine)
Posted 2 weeks ago by GIOS Technology
Negotiable
Undetermined
Hybrid
Knutsford, England, United Kingdom
Summary: The Credit Risk Architect role focuses on designing and implementing advanced decisioning and affordability platforms for lending processes. Candidates must possess a blend of technical skills, financial knowledge, and regulatory understanding to create compliant decision-making systems. The position requires collaboration with data scientists and senior stakeholders to enhance efficiency and automate credit lifecycle processes. The role is hybrid, requiring some onsite presence in Knutsford.
Key Responsibilities:
- Architect and implement end-to-end decisioning and affordability platforms by integrating data sources, analytical models, and rule-based engines.
- Translate business objectives and credit policy into system rules, decision flows, and approval criteria.
- Collaborate with data scientists to integrate statistical and machine learning models (credit scoring, loss forecasting, affordability).
- Ensure compliance with regulatory requirements and maintain a robust audit trail for all lending decisions.
- Monitor system performance, including credit approval rates, default rates, and model accuracy.
- Drive automation across the credit lifecycle to reduce manual intervention and enhance efficiency.
- Act as SME for senior stakeholders, risk teams, and business units, bridging technical and non-technical discussions.
Key Skills:
- FICO Blaze Advisor
- Pega
- Decision Engine
- Python
- R
- SAS
- SQL
- Data Warehouse
- System Integration
- AWS
- Azure
- GCP
- Machine Learning
- Statistical Modeling
- Stress Testing
- Credit Risk
- Credit Policy
- Affordability
- Lending
Salary (Rate): undetermined
City: Knutsford
Country: United Kingdom
Working Arrangements: hybrid
IR35 Status: undetermined
Seniority Level: undetermined
Industry: Other
I am hiring for Credit Systems Architect – (FICO Blaze Advisor, Pega, Decision Engine) Location: Knutsford (only candidates within 1 hour commute or willing to relocate) Work Mode: Hybrid – 2–3 days onsite (non-consecutive)
Job Description
We are seeking a Credit Risk Architect to design and implement cutting-edge decisioning and affordability platforms for lending processes. This role requires a strong blend of technical expertise, financial acumen, and regulatory knowledge to ensure compliant and efficient decision-making systems.
Key Responsibilities:
- Architect and implement end-to-end decisioning and affordability platforms by integrating data sources, analytical models, and rule-based engines.
- Translate business objectives and credit policy into system rules, decision flows, and approval criteria.
- Collaborate with data scientists to integrate statistical and machine learning models (credit scoring, loss forecasting, affordability).
- Ensure compliance with regulatory requirements and maintain a robust audit trail for all lending decisions.
- Monitor system performance, including credit approval rates, default rates, and model accuracy.
- Drive automation across the credit lifecycle to reduce manual intervention and enhance efficiency.
- Act as SME for senior stakeholders, risk teams, and business units, bridging technical and non-technical discussions.
Key Skills
- FICO Blaze Advisor
- Pega
- Decision Engine
- Python
- R
- SAS
- SQL
- Data Warehouse
- System Integration
- AWS
- Azure
- GCP
- Machine Learning
- Statistical Modeling
- Stress Testing
- Credit Risk
- Credit Policy
- Affordability
- Lending