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For Companies At a Glance
- Tasks: Design and develop tech strategies for assessing creditworthiness and financial capacity of loan applicants.
- Company: Join a leading financial services firm focused on innovation and compliance.
- Benefits: Competitive daily rate, flexible work arrangements, and opportunities for professional growth.
- Why this job: Make a real impact in the lending process with cutting-edge technology and analytics.
- Qualifications: Experience in decision engine platforms, data analysis, and financial products required.
- Other info: Collaborative environment with a focus on automation and efficiency in credit risk management.
Credit Risk Architect – HIRING ASAP
Start date: ASAP
Duration: 12 months
Location: 2 days in Knutsford office, 3 days remote
Rate: £450 – £480 per day inside ir35
Summary
A Credit Risk Decisioning and Affordability 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.
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.
Key Skills
- The ideal candidate for this role possesses a deep blend of technical, analytical, and financial knowledge.
- 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.
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Credit Risk Architect employer: Trust In SODA
Contact Detail:
Trust In SODA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Architect
✨Network Like a Pro
Get out there and connect with people in the industry! Attend meetups, webinars, or even just grab a coffee with someone who works in credit risk. You never know who might have a lead on your dream job!
✨Show Off Your Skills
When you get the chance to chat with potential employers, make sure to highlight your experience with decision engine platforms and data analytics. Share specific examples of how you've used these skills to drive results in past roles.
✨Tailor Your Approach
Every company is different, so do your homework! Understand their credit risk strategies and be ready to discuss how your expertise aligns with their needs. This shows you're genuinely interested and can hit the ground running.
✨Apply Through Us!
Don't forget to check out our website for the latest job openings. Applying through StudySmarter not only gives you access to exclusive roles but also connects you with a community that supports your career journey!
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. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this role. Share specific examples of your past work that align with the responsibilities listed in the job description. Let us know what excites you about working with us!
Showcase Your Technical Skills: Since this role requires a blend of technical and analytical skills, make sure to showcase your expertise in programming languages and decision engine platforms. We love seeing candidates who can demonstrate their knowledge in Python, R, or any relevant tools!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any updates. Plus, we’re excited to see your application come through!
How to prepare for a job interview at Trust In SODA
✨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 and R, as these will likely come up during technical discussions.
✨Understand the Credit Landscape
Familiarise yourself with credit policies, affordability metrics, and regulatory compliance standards. Being able to discuss how these elements influence decision-making will show that you’re not just technically savvy but also understand the broader context of the role.
✨Prepare for Scenario Questions
Expect to be asked about specific scenarios related to credit risk decisioning. Think through examples where you've designed or improved decisioning systems, integrated data sources, or ensured compliance. Use the STAR method (Situation, Task, Action, Result) to structure your answers.
✨Engage with Stakeholders
Since managing stakeholder engagement is key, prepare to discuss how you’ve communicated complex technical concepts to non-technical audiences. Have examples ready that demonstrate your ability to bridge the gap between technical teams and business units.
