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- Tasks: Design and develop tech strategies for assessing creditworthiness and financial capacity.
- Company: Global recruitment specialist with a focus on innovative solutions.
- Benefits: Competitive pay rate, flexible onsite days, and opportunities for professional growth.
- Why this job: Make a real impact in the lending process using cutting-edge technology.
- Qualifications: Experience in decision engine platforms, data analytics, and financial products.
- Other info: Join a dynamic team with excellent career advancement opportunities.
The predicted salary is between 60000 - 84000 £ per year.
Overview
We are a global recruitment specialist that provides support to the clients across EMEA, APAC, US and Canada. We have an excellent job opportunity for you.
Role Title: Credit Risk Architect
Location: Knutsford (only candidates no more than one hour away from the area or willing to relocate)
Duration: 31/12/2025
Days on site: 2-3 days onsite (non-consecutive)
Pay Rate: £492 per day inside IR35
Role Description
Looking for a Credit Risk Decisioning and Affordability the architect designs and develops the technology strategy and systems used to assess the creditworthiness and financial capacity of loan applicants. This role focuses on building the overall architecture for the lending process, combining data, advanced analytics, and regulatory knowledge to create automated, efficient, and compliant decision-making platforms.
Key responsibilities
- Architecting decision platforms: Design, build, and implement the technical architecture for end-to-end credit risk decisioning and affordability solutions. This includes integrating various data sources (internal and external), analytical models, and rule-based engines.
- Developing credit strategy: Translate business objectives and credit policy into technical requirements and system rules. This includes defining risk appetite, decision flows, and the criteria for approving, denying, or referring credit applications.
- Overseeing model development: Work closely with data scientists and credit risk model developers to integrate statistical and machine learning models into the decisioning architecture. This includes models for credit scoring, loss forecasting, and affordability assessments.
- Ensuring regulatory compliance: Incorporate all relevant regulatory requirements (eg, responsible lending obligations) into the decisioning framework. The architect must ensure the system provides a robust audit trail for all lending decisions.
- Monitoring system performance: Establish monitoring and reporting frameworks to track the performance of the decisioning system and underlying models. This includes tracking key metrics like credit approval rates, default rates, and model accuracy.
- Driving automation and efficiency: Identify opportunities to increase automation within the credit life cycle, from application processing to portfolio management. This involves leveraging technologies to reduce manual intervention and streamline operations.
- Managing stakeholder engagement: Serve as a technical subject matter expert for senior management, risk teams, and business units. The architect must communicate technical concepts and strategic direction clearly to both technical and non-technical audiences.
Required skills and qualifications
The ideal candidate for this role possesses a deep blend of technical, analytical, and financial knowledge.
- Technical skills
- Decision engine platforms: Extensive experience with industry-standard decisioning software like FICO Blaze Advisor, Pega, or other rule-based and predictive analytics tools.
- Data and analytics: Expert knowledge of data analysis tools and programming languages (eg, Python, R, SAS) and proficiency in database and data warehousing technologies.
- System integration: Experience with enterprise-level system architecture, including integrating decisioning engines with customer-facing applications, credit bureaus, and internal data warehouses.
- Cloud platforms: Familiarity with cloud services (AWS, Azure, GCP) and how they can be leveraged to scale decisioning platforms.
- Advanced modelling: Expertise in statistical modelling, machine learning, and stress-testing methodologies.
- Financial acumen: Deep understanding of financial products, the credit life cycle, and the risks associated with lending.
- Credit policy knowledge: Strong grasp of credit underwriting principles, affordability metrics, and regulatory compliance standards.
If you are interested in this position and would like to learn more, please send through your CV and we will get in touch with you as soon as possible. Please note, candidates are often Shortlisted within 48 hours.
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Credit Risk Architect employer: eTeam Workforce Limited
Contact Detail:
eTeam Workforce Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Architect
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend meetups, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can refer you directly.
✨Tip Number 2
Prepare for interviews by practising common questions related to credit risk architecture. We recommend doing mock interviews with friends or using online platforms to get comfortable with your responses.
✨Tip Number 3
Showcase your skills through projects or case studies. If you've worked on relevant projects, be ready to discuss them in detail. This will demonstrate your expertise and passion for the role.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, we often have exclusive roles listed that you won’t find anywhere else.
We think you need these skills to ace Credit Risk Architect
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Architect role. Highlight relevant experience and skills that match the job description, especially in decision platforms and data analytics.
Showcase Your Technical Skills: Don’t hold back on showcasing your technical skills! Mention your experience with decision engine platforms, programming languages, and cloud services. We want to see how you can bring value to our team.
Be Clear and Concise: When writing your application, keep it clear and concise. Use bullet points where possible to make it easy for us to read through your qualifications and experiences quickly.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss any important updates from us!
How to prepare for a job interview at eTeam Workforce Limited
✨Know Your Tech Inside Out
Make sure you’re well-versed in the decision engine platforms mentioned in the job description, like FICO Blaze Advisor or Pega. Brush up on your knowledge of data analysis tools and programming languages such as Python or R, as these will likely come up during technical discussions.
✨Understand the Credit Landscape
Familiarise yourself with credit underwriting principles and affordability metrics. Be prepared to discuss how you would translate business objectives into technical requirements, as this is a key part of the role. Showing that you understand the financial products and risks involved will impress your interviewers.
✨Showcase Your Problem-Solving Skills
Prepare examples of how you've previously integrated statistical models into decisioning architectures or improved system performance. Highlight any experiences where you’ve driven automation and efficiency in past roles, as this aligns perfectly with the responsibilities of a Credit Risk Architect.
✨Communicate Clearly and Confidently
As a technical subject matter expert, you’ll need to convey complex concepts to both technical and non-technical audiences. Practice explaining your past projects and decisions in a straightforward manner, ensuring you can adapt your communication style based on who you’re speaking to.
