Credit Decisioning Specialist

Martin Veasey Talent Solutions; East Midlands; On-site; GBP 50,000 - 70,000; Full time

Benefits offered by this job

Annual bonus

Enhanced pension

Life assurance

Job summary

Martin Veasey Talent Solutions is seeking a Credit Decisioning Specialist in the East Midlands. This role blends credit modelling with underwriting judgment, requiring comfort in both areas and independent decisioning authority.

You will work on complex SME lending applications, collaborate with data science on model performance, and mentor junior colleagues while contributing to policy and risk frameworks.

Qualifications

• Proven experience in SME lending, commercial credit or fintech lending.
• Strong analytical capability with financial accounts, bureau data and risk inputs.
• Experience with automated decisioning environments and scorecards.
• Genuine delegated sanctioning authority for independent decisions.
• Commercial intelligence and portfolio outcomes understanding.
• Degree-educated or equivalent analytical track record.
• Unrestricted right to work in the UK.

Responsibilities

• Underwrite complex SME and commercial lending applications with full decisioning authority within delegated limits.
• Evaluate financial statements, management accounts, Open Banking data, credit bureau outputs and risk indicators.
• Contribute analytical insight to refinement of credit models, scorecard thresholds and decisioning frameworks.
• Identify portfolio risk trends and emerging issues through data analysis.
• Manage exceptions and non-standard cases requiring judgement beyond automated scoring.
• Collaborate with broker partners, sales, operations and data science to ensure decision quality.
• Support the development of junior underwriters and analysts.

Skills

SME lending

Analytical capability

Open Banking data

Credit bureau data

Decisioning environments

Delegated sanctioning authority

Education

Degree-educated

Job description

The businesses leading that evolution are the ones that combine data science capability with experienced human credit judgement. This is one of those businesses, and this is the role that sits at the intersection of both.

The Business

A high-growth specialist SME lender has invested significantly in proprietary AI-driven credit scoring, automated decisioning infrastructure and data science capability. The business underwrites both broker-introduced and own-book lending, and has built a credit function that is genuinely analytical - not one that simply applies policy.

The credit and data teams work in close proximity. Decisioning models are continuously refined. Portfolio performance is monitored analytically. And the underwriting team operates with real sanctioning authority - combining the outputs of the technology with independent commercial judgement on every material decision.

The Opportunity

The business is seeking a Credit Decisioning Specialist to take a central role within its commercial credit function. This is not a pure modelling role and it is not a pure underwriting role - it is a role for someone who is comfortable in both worlds.

You will assess complex SME lending applications with genuine decisioning authority, work closely with the data science team on credit model performance, contribute to underwriting policy and portfolio risk frameworks, and provide mentorship and guidance to junior colleagues.

Key Responsibilities

• Underwrite complex SME and commercial lending applications with full decisioning authority within delegated limits
• Evaluate financial statements, management accounts, Open Banking data, credit bureau outputs and risk indicators to form independent credit views
• Contribute analytical insight to the ongoing refinement of credit models, scorecard thresholds and automated decisioning frameworks
• Identify portfolio risk trends and emerging issues through performance data analysis
• Manage exceptions, referrals and non-standard cases requiring judgement beyond automated scoring
• Work closely with broker partners, sales, operations and the data science team to ensure decision quality and portfolio health
• Support the development of junior underwriters and analysts

The Candidate

You have developed your credit career in a demanding, data-aware lending environment. You understand both the power and the limitations of automated credit models. You can make independent decisions, articulate your reasoning clearly, and engage with portfolio data at a level that goes beyond individual transactions.

• Proven experience in SME lending, commercial credit, challenger banking, fintech lending, asset finance or specialist business finance
• Strong analytical capability - comfortable interpreting financial accounts, credit bureau data, Open Banking outputs and risk modelling inputs
• Experience with automated decisioning environments, credit scorecards or data-led lending platforms - as a user, contributor or both
• Genuine delegated sanctioning authority - able to make and stand behind independent credit decisions
• Commercial intelligence - understands how individual lending decisions connect to portfolio outcomes and business performance
• Degree-educated or equivalent intellectual profile with demonstrable analytical achievement
• Unrestricted right to work in the UK

Target Backgrounds

Professionals from specialist SME lenders, new challenger banks, fintech credit platforms and data-enabled business finance businesses are particularly encouraged to apply. Credit risk analysts with underwriting authority, senior underwriters with strong analytical depth, and lending professionals who have worked alongside scorecard or model development teams are all strong fits for this role.

Salary & Benefits

• £50,000 - £70,000 basic salary (dependent on experience and current sanctioning level)
• Annual performance bonus
• Enhanced pension contributions
• Life assurance
• Genuine progression into underwriting leadership and credit management

Location

East Midlands. Fully office-based. The business operates a highly collaborative credit and data culture - the underwriting team, data science function and senior leadership work in close daily proximity. This environment is central to the quality of decisioning the business produces. Relocation assistance is available for exceptional candidates.

If you have built your credit career in an environment where data and judgement work together - and you want a role where both are genuinely valued - this is worth a conversation.