At a Glance
- Tasks: Lead innovative credit models and predictive analytics to enhance customer lending decisions.
- Company: Join Secure Trust Bank, a diverse and award-winning financial institution.
- Benefits: Enjoy competitive salary, 25 days leave, wellbeing hour, and flexible benefits.
- Other info: Collaborative environment with opportunities for professional growth and recognition.
- Why this job: Make a real impact in a purpose-driven organisation while developing your career.
- Qualifications: Experience in decision science and advanced analytics, with strong Python and SQL skills.
The predicted salary is between 56700 - 69300 £ per year.
About the Role
Location: Solihull, Manchester or Cardiff
Hours: 35 hours per week
About the company
Our customers are at the heart of everything we do, but we can’t achieve our customer focused strategy without the right people in our team. At Secure Trust Bank, we know that people are our biggest asset, which is why a career with us is not just a job. It’s the chance to be part of something bigger, to add real value to the Bank and help us constantly improve. We believe in giving our staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All our employees have a tangible impact on the Group’s core values, and we are looking for candidates who are enthusiastic, proactive and enjoy working in a fast-paced environment.
Why Join Us?
- A competitive salary and benefits package including discretionary bonus
- Matched pension contributions
- 25 days annual leave plus bank holidays and your birthday off, on us!
- A monthly wellbeing hour to spend doing whatever makes you happy
- A wide range of flexible benefits from Cycle2Work to private healthcare
- Life assurance
- Paid volunteering days and matched charity fundraising
- A collaborative and flexible working environment.
- Opportunities for professional development and career progression.
- A chance to make a real impact in a regulated, purpose-driven organisation.
What you’ll be doing
At Secure Trust Bank we’re transforming how we make lending decisions through data, analytics and technology. We’re building a modern Decision Science capability that combines deep credit expertise, advanced analytics, modern modelling techniques and automation to deliver smarter decisions and better outcomes for our customers. As Senior Manager – Decision Science, you’ll lead the end-to-end delivery of material credit models and predictive analytical solutions across our consumer portfolios. This is a senior, hands-on technical leadership role: alongside leading complex model developments and developing colleagues, you’ll remain close to the data, methods and code, providing senior technical leadership and constructive challenge across assigned model developments.
Working under the Head of Decision Science, you’ll turn the function’s strategy and model roadmap into high-quality delivery. You’ll help modernise the modelling environment, embed robust development and monitoring standards, and ensure analytical outputs translate into practical credit strategies, measurable portfolio improvements and responsible customer outcomes. The role focuses on models supporting customer selection, affordability, credit strategy and portfolio decisioning, working collaboratively with the Risk Models & Credit Strategy functions where data, methodology or governance dependencies exist.
Key Responsibilities include:
- Lead the development, implementation and optimisation of credit risk and decisioning models across the customer lifecycle.
- Build and enhance application scorecards, behavioural models, affordability assessments and customer management strategies.
- Develop predictive models including propensity, profitability, segmentation, forecasting and next-best-action solutions.
- Apply advanced statistical, machine learning and analytical techniques to drive customer, commercial and risk outcomes.
- Own model monitoring, performance tracking and champion/challenger frameworks to ensure ongoing effectiveness.
- Ensure robust model governance, documentation, controls and compliance with internal standards and regulatory requirements.
- Utilise Python, SQL and modern analytical tools to create scalable, automated and efficient modelling solutions.
- Partner with Credit Strategy, Risk, Data, Technology and Product teams to deliver impactful decisioning capabilities.
- Translate complex analytical findings into clear, actionable recommendations for technical and non-technical stakeholders.
- Provide technical leadership, coaching and mentoring to Decision Scientists and analysts while fostering a culture of innovation and continuous improvement.
What we’re looking for
- Proven experience in Decision Science, credit risk modelling or advanced analytics within consumer lending or a regulated financial services environment.
- Strong track record of developing and implementing application scorecards, behavioural scorecards and predictive models used in live lending decisions.
- Advanced technical capability in Python and SQL, with experience of SAS, R or other analytical tools considered advantageous.
- Deep understanding of the end-to-end model lifecycle, including development, validation, implementation, monitoring and optimisation.
- Strong statistical and predictive modelling expertise, including scorecard development, segmentation, regression techniques and model evaluation.
- Experience translating analytical insights into practical credit strategies that drive customer, risk and commercial outcomes.
- Proven ability to lead analytical projects, coach and develop high-performing analysts, and provide technical leadership across teams.
- Excellent stakeholder management, communication and commercial judgement, with a strong understanding of model governance, regulatory requirements and best practice within a controlled environment.
Everyone is different. Everyone is valued
As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people being our strength; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate. Every one of our employees brings unique talent, ability and perspective to their role. That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.
We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.
Senior Manager Decision Science in London employer: Secure Trust Bank
At Secure Trust Bank, we pride ourselves on being an exceptional employer that values our employees as our greatest asset. With a competitive salary, generous benefits including 25 days of annual leave and a monthly wellbeing hour, we foster a collaborative and flexible work culture that encourages professional development and career progression. Join us in Solihull, Manchester, or Cardiff, and be part of a purpose-driven organisation where your contributions directly impact responsible lending and customer outcomes.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Manager Decision Science in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Secure Trust Bank. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Manager Decision Science in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Secure Trust Bank.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Secure Trust Bank's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Secure Trust Bank
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Secure Trust Bank.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Secure Trust Bank will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Secure Trust Bank employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
