Graduate Software Engineer - Decision Systems

Amplifi Capital; City Of London; On-site; GBP 30,000 - 40,000; Full time

Job summary

A leading UK FinTech company in London is seeking a Graduate Decision Systems Analyst. This role offers the opportunity to develop decision systems that influence customer lending. Candidates should possess a bachelor's degree in a related field and some programming experience. The position offers training and career progression opportunities within various departments. Competitive salary and benefits are included including hybrid working options.

Benefits

Competitive salary

25 days annual leave

Pension

Private health insurance

Subsidised childcare

Subsidised gym membership

Qualifications

• Understanding of mathematical concepts such as statistics, probability, or linear algebra.
• Interest in lending, credit products, or financial services.
• Good communication skills for both technical and non-technical audiences.

Responsibilities

• Support the development of decision systems.
• Assist in designing and testing decision models.
• Apply mathematical skills to solve lending challenges.
• Learn to work in an Agile environment.

Skills

Problem-solving

Analytical skills

Programming in Python

Programming in Java

Statistical analysis

Education

Bachelor's degree in Computer Science, Engineering, or related field

Tools

Salesforce

SQL

Job description

About Us

One third of the UK working age population are unable to access affordable credit. We at Amplifi want to rectify this issue. We aim to improve the nation’s financial health, using our state-of-the-art FinTech ecosystem, allowing ethical lending via credit unions accessible to everyone in the UK.

Amplifi Capital are one of the top 5 lenders in the near prime unsecured personal loans market in the UK. Through our innovative work we have grown our new customer volumes by 5 folds in just the last two years alone. Aiming to increase that number even further as we progress.

We are the biggest name in the UK credit union market with the two largest Credit Unions in the UK on the Amplifi platform. We at Amplifi Capital want to go beyond that, aiming to be the biggest player in the UK personal loan market for the near prime segment. Standing out against our competitors, being at the forefront of personal loans market.

The Role

Decisioning systems are central to our business — powering customer acquisition, lending, service, and collections. We\u2019ve built our own decision engine that combines advanced machine learning with traditional business rules to deliver effective lending strategies.

As a Graduate Decision Systems Analyst you’ll step into a unique tech role that blends programming and analysis with a deep understanding of UK lending. You’ll learn how business logic shapes lending decisions and how our systems bring loan products to life.

Our decision engine sits at the heart of our platform, interacting with tools like Salesforce, backend APIs, and external partners such as UK credit bureaus. You’ll gain a broad view of the systems behind customer acquisition and hands-on experience developing and refining them.

This role offers structured learning, mentorship, and real project work from day one. It’s designed to help you grow into a permanent Decision Systems Analyst with future opportunities in risk, pricing, or product.

We’re looking for curious problem-solvers who enjoy coding, data analysis, and understanding how lending works.

Responsibilities

• Work alongside experienced engineers, analysts, and product teams to support the development of decision systems.
• Assist in designing, testing, and refining decision models that guide customer acquisition and lending decisions.
• Learn how loan products work, with a focus on the business rules and logic that determine customer eligibility.
• Apply your mathematical and analytical skills to help solve real-world lending and business challenges.
• Build a broad understanding of the systems that decision engines connect with – including Salesforce, backend APIs, and external credit bureaus.
• Learn how to work in an Agile environment and use data and technology to support decision-making.
• Contribute to processes that ensure system reliability, performance, and scalability.
• Develop awareness of key issues such as data privacy, security, and algorithmic fairness.
• Keep up to date with industry trends and tools, with guidance and training support provided.

We don’t expect you to know everything on day one. What matters most is your curiosity, problem-solving mindset, and willingness to learn. Ideally, you will have:

Requirements

• A bachelor’s degree in a related subject such as Computer Science, Engineering, Data Science, Mathematics, or a similar discipline.
• Some experience (academic or project-based) with programming in Python, Java, SQL, or similar languages
• An understanding of core mathematical concepts such as statistics, probability, or linear algebra.
• An interest in lending, credit products, or financial services – and a desire to understand how technology shapes customer acquisition and loan decisioning.
• Strong analytical and problem-solving skills, with a logical and structured approach.
• Good communication skills and willingness to explain ideas clearly to both technical and non-technical audiences.
• A team-focused attitude, with empathy and adaptability.

What We Offer

• A graduate job opportunity with mentorship and on-the-job training
• High impact role delivering modifications to decisioning logic for customer acquisition with a direct impact on bottom line.
• The opportunity to work on impactful projects that improve financial health for communities across the UK
• Exposure to advanced decisioning technology and real-world applications of data science and machine learning.
• A pathway for career development, with the chance to grow into a permanent Decision Systems Analyst role, as well as opportunities across other departments such as Pricing, Product and Risk etc.

• Competitive salary
• 25 days annual leave
• Pension
• Death in Service Provision
• Private health insurance
• Subsidised Childcare
• Subsidised Gym Membership
• Hybrid working (2 days from home)

Commitment

We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnerships.

Please note that all offers of employment are conditional on us obtaining satisfactory pre-employment checks, including a DBS check, a credit check and employment references.