Credit Risk Architect

Location: Knutsford (must live within one hour or be willing to relocate)
Day Rate: £552.50 per day (Inside IR35)
Onsite Requirement: 2–3 days per week (non-consecutive)

Overview

We are seeking a Credit Risk Decisioning & Affordability Architect to shape the technology strategy and architecture that underpins creditworthiness assessment and lending decisions. This role is critical to developing intelligent, automated credit decisioning platforms that bring together data, analytics, regulatory compliance, and enterprise architecture.

You will design the overall lending decision architecture, working closely with risk teams, data scientists, and senior stakeholders to build systems that ensure efficient, fair, and compliant lending outcomes.

Key Responsibilities

• Architect end-to-end credit risk decisioning and affordability systems
• Design and implement decision engines, integrating internal and external data sources
• Translate credit policy and business objectives into technical requirements and rule frameworks
• Partner with data science teams to integrate statistical and machine learning models
• Ensure compliance with lending regulations and deliver full audit transparency
• Establish performance monitoring frameworks — approval rates, default trends, model accuracy
• Drive automation across the credit lifecycle to reduce manual intervention and increase efficiency
• Act as a subject-matter expert across risk, technology, and senior leadership teams

Required Skills & Experience

• Deep expertise in decision engine platforms — e.g. FICO Blaze, Pega, or similar
• Strong data analytics and programming capability (Python, R, SAS)
• Proficient in enterprise system integration and data warehousing environments
• Understanding of cloud platforms (AWS, Azure, GCP) for scalable decisioning
• Advanced knowledge of statistical modelling & machine learning techniques
• In-depth understanding of credit lifecycle, affordability, and lending risk principles
• Knowledge of credit policy, underwriting criteria, affordability metrics, and regulatory frameworks

Who We're Looking For

A highly analytical, technically strong architect with deep financial risk understanding, capable of bridging business strategy and technical design. You will bring clarity, precision, and innovation to credit decisioning, ensuring solutions are compliant, scalable, and operationally robust.