Credit Decision Engineer

Selina Finance; City of Westminster; Hybrid; GBP 50,000 - 65,000; Full time

Job summary

A financial technology company is searching for a Credit Decision Engineer to enhance their Credit Risk and Data team. This role involves designing and optimizing credit decision engines while collaborating with product and engineering teams. Candidates should have expertise in credit risk data engineering, SQL proficiency, and experience in agile environments. The position offers a base salary between £50,000 and £65,000 depending on experience, and additional benefits including 25 days of annual leave and a bi-annual bonus.

Benefits

25 days annual leave

30 days work-from-anywhere allowance

Monthly socials

Cycle to work scheme

Annual L&D budget

Volunteering allowance

Growth Shares

Free access to mental health support

Qualifications

• Experience in building and maintaining credit decision engines.
• Ability to translate credit policy into decision rules.
• Knowledge of third-party service integration.

Responsibilities

• Build and maintain automated credit decision engines.
• Translate credit policy into automated logic.
• Document decision logic changes for compliance.

Skills

Credit risk data engineering

SQL

Stakeholder interaction

Problem-solving

Agile methodologies

Tools

ADP

Provenir

PowerCurve

Salesforce

Python

Job description

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.
• 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’s 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.

At Selina Finance our mission is to provide exceptional value with simple and flexible financial products. We are achieving this by building a next‑generation digital lender targeting homeowners across the UK. More than £2tn of equity value is locked up in UK homes while homeowners still need to rely on high‑interest‑rate consumer loans, credit cards or overdrafts. We believe this is unfair and unnecessary. We offer a financing product unlike anything else out there – one that is as flexible as a current account, as affordable as a mortgage and as easy to apply for as a consumer loan.

We have quite a few things to be proud of

• We have 19 different nationalities across our London, Manchester and remote teams.
• Voted as one of the fastest‑growing businesses in the UK by Business Leader Growth 500 for 2025.
• Voted top 30 of Tempos 100 best start‑ups to work for.
• Feel most comfortable in big teams with rigid processes rather than in a fast‑paced environment where things are still taking shape.

If you 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.

If you 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 aligning your rewards with our success, giving you the opportunity to share in the value we create.
• 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

• 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 under‑represented categories and provide feedback to any candidate we interview even if that feedback is speaking to another candidate being more suitable for the role.