Credit Decisioning Specialist

Credit Decisioning Specialist Business Lending and Portfolio RiskNorthampton (Office-Based) 50,000 - 70,000 + Annual Bonus + Private Healthcare + Enhanced Pension + Benefits Credit decisioning is evolving rapidly.The businesses leading that evolution are the ones that combine data science capability with experienced human credit judgement. This is one of those businesses - and this is the role that sits at the intersection of both.The BusinessA high-growth specialist SME lender has invested significantly in proprietary AI-driven credit scoring, automated decisioning infrastructure and data science capability. The business underwrites both broker-introduced and own-book lending, and has built a credit function that is genuinely analytical - not one that simply applies policy.The credit and data teams work in close proximity. Decisioning models are continuously refined. Portfolio performance is monitored analytically. And the underwriting team operates with real sanctioning authority - combining the outputs of the technology with independent commercial judgement on every material decision.The OpportunityThe business is seeking a Credit Decisioning Specialist to take a central role within its commercial credit function. This is not a pure modelling role and it is not a pure underwriting role - it is a role for someone who is comfortable in both worlds.You will assess complex SME lending applications with genuine decisioning authority, work closely with the data science team ..... full job details .....