Credit Risk Architect in Knutsford

Energy Jobline ZR; Knutsford; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A global energy job board is hiring a Credit Risk Architect to design and develop decisioning architectures and systems for assessing loan applicant creditworthiness. This role, which operates in a hybrid model with 2 days on-site, demands deep technical, analytical, and financial expertise, along with strong knowledge of regulatory compliance. The successful candidate will oversee decisioning frameworks, engage with stakeholders, and drive automation throughout the credit lifecycle.

Qualifications

• Extensive experience with decisioning software like FICO Blaze Advisor.
• Proficient in data analysis tools and programming.
• Familiarity with cloud services for scaling decisioning platforms.

Responsibilities

• Design and implement credit risk decisioning architecture.
• Translate business objectives into technical requirements.
• Work with data scientists to integrate analytical models.
• Ensure compliance with regulatory requirements.
• Monitor system performance and track key metrics.
• Identify opportunities for automation in credit processing.
• Engage with senior management and various stakeholders.

Skills

Technical, analytical, and financial knowledge

FICO Blaze Advisor, Pega experience

Data analysis tools (Python, R, SAS)

System integration with decisioning engines

Cloud services (AWS, Azure, GCP)

Statistical modelling and machine learning

Understanding of financial products

Credit underwriting principles

Job description

Energy Jobline is the largest and fastest growing global Energy Job Board and Energy Hub. We have an audience reach of over 7 million energy professionals, 400,000+ monthly advertised global energy and engineering jobs, and work with the leading energy companies worldwide.

We focus on the Oil & Gas, Renewables, Engineering, Power, and Nuclear markets as well as emerging technologies in EV, Battery, and Fusion. We are committed to ensuring that we offer the most exciting career opportunities from around the world for our jobseekers.

Job Description

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 (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.

If you are interested in applying for this job please press the Apply Button and follow the application process. Energy Jobline wishes you the very best of luck in your next career move.