Head of Credit Decision Science & Analytics

Secure Trust Bank; Larkhill; On-site; GBP 120,000 - 180,000; Full time

Job summary

Secure Trust Bank is seeking a Head of Decision Science to shape the strategic direction of advanced analytics and risk modelling. You will lead the development of scorecards, affordability models and predictive analytics, while driving governance, explainability and scalable automation across the organisation.

You will partner with Credit Strategy, Product, Finance and Technology to translate insights into practical lending strategies and commercial outcomes, building a high‑performing team

Qualifications

• Strong experience leading decision science or credit modelling teams.
• Experience in prime/near-prime consumer lending scorecards.
• Ability to translate analysis into practical commercial recommendations.
• Proven governance and validation in a regulated environment.

Responsibilities

• Define technical direction and delivery roadmap for Decision Science.
• Develop and improve scorecards, affordability and predictive analytics.
• Modernise analytical environment with Python, SQL and automation.
• Collaborate with Credit Strategy, Product and Finance to inform decisions.
• Build and develop a high‑performing team.

Skills

Credit risk modelling

Decision Science leadership

Python

SQL

Stakeholder engagement

Team management

Education

Quantitative degree

Tools

Python

SQL

Job description

Secure Trust Bank is seeking a Head of Decision Science to shape the strategic direction of advanced analytics and risk modelling. You will lead the development of scorecards, affordability models and predictive analytics, while driving governance, explainability and scalable automation across the organisation.

You will partner with Credit Strategy, Product, Finance and Technology to translate insights into practical lending strategies and commercial outcomes, building a high‑performing team