Junior Software Developer jobs in United Kingdom

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Software Engineer - Credit Decision

Whitehall Resources are currently looking for a Software Engineer - Credit Decision based in Bedfordshire 4 days a week, 1 day remote working for an initial 3 month contract.

*** INSIDE IR35 ***

As client continue to evolve their credit risk management capabilities, they are building an in-house team to take greater control of their FICO decision management systems.

The successful candidate will work directly with FICO systems to develop and maintain our automotive lending decision systems, enabling Credit to be more agile and self-sufficient in managing credit risk strategies.

This is an opportunity to build and shape a new function within Credit with direct impact on credit
decision-making for one of the world's largest automotive finance companies

Main Responsibilities:

* Manage and administer FICO systems platform, including scorecard implementation, rules configuration, and system optimisation
* Translate business requirements into FICO configurations, develop new decision strategies,
* and implement credit risk origination strategies
* Utilise FICO's built-in testing capabilities to validate rule changes, scorecard
* implementations, and system configurations before deployment
* Create and maintain reports to evaluate system performance, monitor scorecard
* effectiveness, and support champion/challenger testing strategies
* Work closely with Risk, IT, and Business teams to enhance credit risk processes and ensure
* regulatory compliance
* Interface with FICO technical teams and manage platform relationships to ensure Credit requirements are met
* Lead multiple large-scale projects within aggressive timelines, managing stakeholder expectations and delivering high-quality solutions
* Identify opportunities to improve decision system effectiveness and efficiency within the automotive lending context
* Engage and communicate effectively with project stakeholders and their teams to actively participate in key projects & initiatives Qualifications and Skills

Key Skills:

* 5+ years’ experience working with decision systems platforms (FICO systems, Provenir, SDS/PowerCurve, etc.)
* Programming proficiency in Python, SAS, or SQL (multiple languages advantageous)
* Advanced coding skills in R, Python, Java, or SQL
* System testing expertise: Proficiency with testing capabilities within decision management platforms
* Knowledge and understanding of analytical model development, credit bureau data, and financial services
* Knowledge of lending landscape and various in-house and outsourced systems, applications & services used by Decision Systems
* Strong analytical, problem-solving and organisational skills with attention to detail
* Ability to work and adapt in fast-changing environment with tight delivery timelines
* Ability to manage multiple large-scale projects
* Strong verbal and written communication skills
* Able to network and build strong relationships with internal and external peer groups

All of our opportunities require that applicants are eligible to work in the specified country/location, unless otherwise stated in the job description.



Whitehall Resources are an equal opportunities employer who value a diverse and inclusive working environment. All qualified applicants will receive consideration for employment without regard to race, religion, gender identity or expression, sexual orientation, national origin, pregnancy, disability, age, veteran status, or other characteristics.