Credit Risk Architect

Role Title: Credit Risk Architect Location: Knutsford - 2 days a week in office Duration: 2-3 months Rate: £500 p/d Inside IR35Role DescriptionWe are seeking a Credit Risk Decisioning and Affordability Architect to design and develop the technology strategy and systems used to assess the creditworthiness and financial capacity of loan applicants. This role focuses on shaping the overall architecture for the lending process-combining data, advanced analytics, and regulatory knowledge to deliver automated, efficient, and compliant decision-making platforms.Key ResponsibilitiesArchitect decision platforms: Design, build, and implement technical architecture for end-to-end credit risk decisioning and affordability solutions. This includes integrating internal and external data sources, analytical models, and rule-based engines.Develop credit strategy: Translate business objectives and credit policy into technical requirements and system rules, defining risk appetite, decision flows, and application approval criteria.Oversee model integration: Work with data scientists and model developers to embed statistical and machine learning models (credit scoring, loss forecasting, affordability assessments) into decisioning systems.Ensure regulatory compliance: Incorporate responsible lending obligations and other relevant regulations into the framework, ensuring systems provide a robust audit trail for all lending decisions.Monitor performance: Create monitoring and reporting ..... full job details .....