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For Companies At a Glance
- Tasks: Build and optimise automated credit decision engines for innovative lending solutions.
- Company: Join a fast-growing digital lender with a diverse and dynamic team.
- Benefits: Competitive salary, flexible work options, and generous annual leave.
- Why this job: Make a real impact on how lending decisions are made in a pioneering fintech environment.
- Qualifications: Experience in credit risk or data engineering; SQL knowledge is essential.
- Other info: Collaborative culture with excellent career growth opportunities and a focus on employee well-being.
The predicted salary is between 43000 - 58000 £ per year.
About Selina
At Selina Finance, our mission is to provide exceptional value with simple and flexible financial products. We’re building a next-generation digital lender targeting homeowners across the UK. We offer a financing product that aims to be as flexible as a current account, as affordable as a mortgage, and as easy to apply for as a consumer loan.
We are building an incredible team and culture of high performance, development, reward and recognition, ready for the next phase of our adventure.
We have quite a few things to be proud of
We have 19 different nationalities across our London + Manchester offices
Voted as ‘one of the fastest-growing businesses in the UK’ by Business Leader Growth 500 for 2025
Voted top 30 of ‘Tempo’s 100 best start-ups to work for’
Disability Confident Committed employer
BCorp Certified
Rated highly in our employee survey on: Workplace Culture, Work Life/Balance, Employee Recognition
About the Role
We are seeking a Credit Decision Engineer to join our growing Credit Risk and Data team. This role is ideal for someone who thrives at the intersection of data, credit strategy, and technology, and wants to contribute directly to how lending decisions are made. You will help design, build, and optimise credit decisioning engines, supporting the development of new risk and affordability strategies.
You’ll work closely with Credit Risk, Product, and Engineering teams to translate policy, data, and analytical insights into automated decision logic that balances growth, risk, and operational efficiency.
What will you be doing?
- Build and maintain automated credit decision engines and workflows.
- Translate credit policy, risk strategies, and customer experience into codified, testable rules and decision trees.
- Implement automated checks by integrating third-party services (e.g., CRAs, fraud databases, Open Banking).
- Partner with engineers to embed decision processes into backend systems.
- Document and QA decisioning logic, changes, and audit trails for compliance.
- Troubleshoot and refine decision workflows to improve stability, scalability, and accuracy.
You\’re a great fit if you
- Have experience in credit risk, data engineering, or decision systems within financial services or fintech.
- Have some exposure to decisioning platforms (e.g., ADP, Provenir, PowerCurve, Salesforce, or custom-built engines).
- Know SQL inside-out; it’s also desirable if you have used Python for analysis and automation, but it is not mandatory.
- Naturally curious; you enjoy digging beneath the surface of problems, asking the right questions, and uncovering insights others may miss.
- Show initiative; you don’t just wait to be told what to do, but proactively look for ways to improve processes and decision-making.
- Thrive on stakeholder interaction, especially the engineering team; have the ability to build relationships and have some understanding of engineering best practices.
- Enjoy working in an agile and/or project delivery environment.
You won’t be a great fit if you
- Feel most comfortable in big teams with rigid processes, rather than in a fast-paced environment where things are still taking shape.
- Are not ready to roll up your sleeves and really get under the skin of the code and the business requirements.
- Find it difficult to take ownership when things are ambiguous and the way ahead isn’t fully mapped out.
- Find it difficult to work in a flat, collaborative setup where everyone asks questions, decisions get challenged, and not every idea will make it through.
What we offer:
- £50,000- £65,000 base salary, dependent on experience
- 25 days\’ annual leave, plus bank holidays
- 30 days’ work-from-anywhere allowance
- Bi-annual Bonus (discretionary)
- Volunteering allowance
- Growth Shares
- Annual L&D budget
- Cycle to work scheme
- 3% pension contribution
- Monthly socials
- Free access to mental health support via ‘Spill’
- A choice of benefits that work for you, courtesy of our benefits platform, ‘Thanks Ben’
- Annual £60 cycle allowance for Santander cycles or Evans (via ‘Thanks Ben’)
- Workplace Nursery Benefit, allowing eligible nursery costs to be paid via salary sacrifice
- Annual Train Ticket Loan Scheme
Our Values
Our values underpin how we work together as a high-performing team, driving our growth and success.
Take Ownership – We all act as owners. We make decisions in the best interest of the company. We pride ourselves on solving problems, not finding barriers. We have a bias for action; we move fast and we deliver.
Customer Obsessed – We put our customers at the heart of everything we do. We listen to their needs and work tirelessly to provide them with the best possible products and experiences.
Drive Change – We are pioneers in our industry. We are not afraid to challenge the status quo and we constantly seek out new and better ways of doing things. We are agile and adaptable, and we embrace change as an opportunity for growth.
Empower Our Team – We believe that collaboration and teamwork are the cornerstones of success and we set up our team for great achievements.
We are an equal opportunities employer and are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.
We also welcome and encourage applications from traditionally underrepresented categories, and provide feedback to any candidate we interview, even if that feedback is speaking to another candidate being more suitable for the role.
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Credit Decision Engineer employer: Selina Finance
Contact Detail:
Selina Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Decision Engineer
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already working at Selina Finance. A friendly chat can open doors and give you insider info that could help you stand out.
✨Tip Number 2
Prepare for the interview by brushing up on your SQL skills and understanding credit risk concepts. Be ready to discuss how you've tackled challenges in past roles, as this shows initiative and problem-solving skills.
✨Tip Number 3
Show your passion for the role! When you get the chance to speak with the team, express your excitement about building automated credit decision engines and how you can contribute to their mission.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining the Selina Finance family.
We think you need these skills to ace Credit Decision Engineer
Some tips for your application 🫡
Show Your Passion for Data: When you're writing your application, let your enthusiasm for data and credit decisioning shine through. We want to see how your experience aligns with our mission at Selina Finance, so don’t hold back on sharing your journey in the fintech world!
Tailor Your CV and Cover Letter: Make sure to customise your CV and cover letter for the Credit Decision Engineer role. Highlight relevant experiences and skills that match the job description, especially your knowledge of SQL and any decisioning platforms you've worked with. We love seeing candidates who take the time to connect their background to what we do!
Be Clear and Concise: Keep your application clear and to the point. We appreciate straightforward communication, so avoid jargon and fluff. Focus on your key achievements and how they relate to the role. Remember, we’re looking for someone who can get to the heart of a problem quickly!
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on joining our team at Selina Finance. We can’t wait to hear from you!
How to prepare for a job interview at Selina Finance
✨Know Your Stuff
Make sure you brush up on your credit risk and data engineering knowledge. Familiarise yourself with decisioning platforms like ADP or Provenir, and be ready to discuss how you've used SQL in past projects. This will show that you're not just a fit for the role, but that you’re genuinely interested in the work.
✨Show Your Curiosity
During the interview, demonstrate your natural curiosity by asking insightful questions about the company's credit strategies and decision-making processes. This will highlight your proactive approach and eagerness to dig deeper into problems, which is exactly what they’re looking for.
✨Emphasise Collaboration
Since the role involves working closely with engineering teams, share examples of how you've successfully collaborated in the past. Talk about how you’ve built relationships and navigated challenges in a team setting. This will resonate well with their value of teamwork and collaboration.
✨Be Ready to Adapt
Selina Finance values agility and adaptability, so be prepared to discuss how you've thrived in fast-paced environments. Share specific instances where you’ve had to roll up your sleeves and tackle ambiguous situations, showcasing your ability to take ownership and drive change.
