Credit Decision Engineer

Selina Finance; Greater London; Hybrid; GBP 50,000 - 65,000; Full time

Job summary

A growing fintech company in London is seeking a Credit Decision Engineer to join their Credit Risk and Data team. The ideal candidate will help design and optimize credit decisioning engines, translating insights into automated decision logic while collaborating closely with product and engineering teams. Strong experience in credit risk data engineering and proficiency in SQL are essential, as well as a proactive approach to problem-solving and stakeholder engagement. This role offers a salary between £50,000 and £65,000, dependent on experience.

Benefits

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

Mental health support

Benefits platform

Annual cycle allowance

Workplace Nursery Benefit

Annual Train Ticket Loan Scheme

Qualifications

• Experience in credit risk data engineering within financial services or fintech.
• Exposure to decisioning platforms is a plus.
• Desire to dig beneath surface-level problems and uncover insights.

Responsibilities

• Build and maintain automated credit decision engines.
• Translate credit policy into codified rules.
• Implement automated checks with third-party services.

Skills

Credit risk data engineering

Decision systems experience

SQL expertise

Python for analysis

Proactive problem-solving

Stakeholder interaction

Agile environment experience

Tools

ADP Provenir

PowerCurve

Salesforce

Job description

About Selina

At Selina Finance our mission is to provide exceptional value with simple and flexible financial products. Were 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 are building an incredible team and culture of high performance development reward and recognition ready for the next phase of our adventure and this is where you come in!

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

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.

Youll 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.

Responsibilities

• 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.

Qualifications & Requirements

• 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; Its also desirable if you have used Python for analysis and automation but its 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 dont 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.

Not a great fit

• 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 isnt 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.

Benefits

• 50000- 65000 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

Hybrid

• London England United Kingdom

50000 - 65000 per year

Credit Risk

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.