Manager Decision Science

Secure Trust Bank Ltd; Metropolitan Borough of Solihull; On-site; GBP 90,000 - 115,000; Full time

Benefits offered by this job

Discretionary bonus

Matched pension

25 days leave

Wellbeing hour

Private healthcare

Volunteer days

Flexible working

Career progression

Job summary

Secure Trust Bank is seeking a Senior Manager in Decision Science to lead end-to-end development of credit models and predictive solutions for consumer portfolios. You will stay hands-on with data and code while guiding a team, turning strategy into high-quality delivery under the Head of Decision Science.

You'll modernise the modelling environment, ensure governance, and translate insights into practical credit strategies across customer selection, affordability, and portfolio decisioning.

Qualifications

• Advanced statistics and modelling experience in credit risk.
• Strong programming skills in Python and SQL.
• Experience leading analytics teams and delivering consumer lending models.

Responsibilities

• Lead development and deployment of credit risk models across the customer lifecycle.
• Build and enhance scorecards and behavioural models for lending decisions.
• Translate analytical findings into actionable recommendations for stakeholders.

Skills

Python

SQL

Machine Learning

Credit risk modelling

Leadership

Education

Master's degree in a quantitative field

Tools

SAS

R

Job description

As Senior Manager - Decision Science, you'll lead the end-to-end delivery of material credit models and predictive analytical solutions across our consumer portfolios. This is a senior, hands-on technical leadership role: alongside leading complex model developments and developing colleagues, you'll remain close to the data, methods and code, providing senior technical leadership and constructive challenge across assigned model developments. Working under the Head of Decision Science, you'll turn the function's strategy and model roadmap into high-quality delivery. You'll help modernise the modelling environment, embed robust development and monitoring standards, and ensure analytical outputs translate into practical credit strategies, measurable portfolio improvements and responsible customer outcomes. The role focuses on models supporting customer selection, affordability, credit strategy and portfolio decisioning, working collaboratively with the Risk Models & Credit Strategy functions where data, methodology or governance dependencies exist. Key Responsibilities include:

• Lead the development, implementation and optimisation of credit risk and decisioning models across the customer lifecycle.
• Build and enhance application scorecards, behavioural models, affordability assessments and customer management strategies.
• Develop predictive models including propensity, profitability, segmentation, forecasting and next-best-action solutions.
• Apply advanced statistical, machine learning and analytical techniques to drive customer, commercial and risk outcomes.
• Own model monitoring, performance tracking and champion/challenger frameworks to ensure ongoing effectiveness.
• Ensure robust model governance, documentation, controls and compliance with internal standards and regulatory requirements.
• Utilise Python, SQL and modern analytical tools to create scalable, automated and efficient modelling solutions.
• Partner with Credit Strategy, Risk, Data, Technology and Product teams to deliver impactful decisioning capabilities.
• Translate complex analytical findings into clear, actionable recommendations for technical and non-technical stakeholders.
• Provide technical leadership, coaching and mentoring to Decision Scientists and analysts while fostering a culture of innovation and continuous improvement. Proven experience in Decision Science, credit risk modelling or advanced analytics within consumer lending or a regulated financial services environment.
• Strong track record of developing and implementing application scorecards, behavioural scorecards and predictive models used in live lending decisions.
• Advanced technical capability in Python and SQL, with experience of SAS, R or other analytical tools considered advantageous.
• Deep understanding of the end-to-end model lifecycle, including development, validation, implementation, monitoring and optimisation.
• Strong statistical and predictive modelling expertise, including scorecard development, segmentation, regression techniques and model evaluation.
• Experience translating analytical insights into practical credit strategies that drive customer, risk and commercial outcomes.
• Proven ability to lead analytical projects, coach and develop high-performing analysts, and provide technical leadership across teams.
• Excellent stakeholder management, communication and commercial judgement, with a strong understanding of model governance, regulatory requirements and best practice within a controlled environment. Our customers are at the heart of everything we do, but we can't achieve our customer focused strategy without the right people in our team.
• At Secure Trust Bank, we know that people are our biggest Asset, which is why a career with us is not just a job. It's the chance to be part of something bigger, to add real value to the Bank and help us constantly improve. We believe in giving our staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All our employees have a tangible impact on the Group's core values, and we are looking for candidates who are enthusiastic, proactive and enjoy working in a fast-paced environment., We're building a modern Decision Science capability that combines deep credit expertise, advanced analytics, modern modelling techniques and automation to deliver smarter decisions and better outcomes for our customers., As part of our vision to become the most trusted specialist lender in the UK, we've been helping customers and businesses fulfil their ambitions since 1952. In that time, we've learned that we're more than the sum of our parts. We're a strong Group because of our people being our strength; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate. Every one of our employees brings unique talent, ability and perspective to their role. That's why Secure Trust Bank Group nurtures differences. We understand that we perform better because we're not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are. We're an award-winning bank providing savings accounts and lending services to over one million customers. We're Secure Trust Bank Group. We embrace difference.

What you`ll be doing At Secure Trust Bank we're transforming how we make lending decisions through data, analytics and technology.

Benefits

• A competitive salary and benefits package including discretionary bonus
• Matched pension contributions
• 25 days annual leave plus bank holidays and your birthday off, on us!
• A monthly wellbeing hour to spend doing whatever makes you happy
• A wide range of flexible benefits from Cycle2Work to private healthcare
• Life assurance
• Paid volunteering days and matched charity fundraising
• A collaborative and flexible working environment.
• Opportunities for professional development and career progression.
• A chance to make a real impact in a regulated, purpose-driven organisation.