Decisioning Systems Engineer - Personal Loans

Description

The company is best known as a digital insurer, but it also runs a growing unsecured lending business.

The lending product runs on market-leading systems and offers customers guaranteed eligibility and real rates through price comparison websites (PCWs).

The company serves over 4 million customers and has invested heavily in data and technology over the past few years. It wants to grow much further in the UK market and runs on its own 4Cs culture.

You will be the engineer who turns decisioning strategy into systems that work in practice. Based in the IT team inside the lending business, you will use technology and data to build end-to-end decisioning capabilities that help the business reach its strategic goals. You will work with Credit Risk, Pricing, Modelling and Product to design, build, deploy and improve decisioning functions, strategies and processes, all within a regulated lending setting.

This role suits someone who wants to own decisioning delivery from start to finish and work closely with the business. It is not a purely build-to-spec role removed from the business context.

If you're excited about the role and don't tick every box, or you're not 100% sure you match it, the company would still like to hear from you.

Responsibilities

• Design and build solutions for changes to decisioning strategy, functionality, automation and customer journeys, turning business and risk requirements into dependable technical delivery.
• Maintain and improve decision engine configurations, integrations and supporting processes across the decisioning estate, keeping them reliable and scalable.
• Help bring internal and external data, such as bureau data and open banking feeds, into decisioning solutions.
• Investigate defects, incidents and production issues, carry out root cause analysis and deliver lasting fixes that cut repeat problems and operational risk.
• Keep the decisioning estate compliant and operationally sound through governed change control, and keep configuration and decision logic documentation accurate and ready for audit.
• Act as the subject matter expert for decisioning systems, giving stakeholders across the business the technical knowledge and support they need.

Requirements

• Adapt priorities and respond to shifting business needs without losing focus on delivery quality.
• Take ownership and work independently, while collaborating well in cross-functional teams.
• Think logically, with strong analytical, problem-solving and root cause analysis skills.
• Demonstrable experience with decision engine platforms or workflow-based decisioning systems.
• Strong SQL skills.
• Explain ideas clearly to technical and non-technical stakeholders alike.
• Desirable: understanding of how software is built, tested and released.
• Desirable: experience with other programming or scripting languages such as JavaScript, Python, R or XSLT.
• Desirable: experience with XML or JSON, APIs, system integrations or data-driven applications.

Conditions

Flexible hybrid working; details are available from the recruiter.

Sponsorship is not offered now or in the future for this role.

A thorough referencing process applies, including credit and criminal record checks.

Applications close on 27/11/2026.

The company is an equal opportunities and Disability Confident employer, and reasonable adjustments are available throughout recruitment.

Benefits

• A competitive salary plus an annual 4Cs performance bonus, open to all colleagues.
• Life assurance at 4x salary, income protection at no extra cost, and pension contributions matched up to 10%.
• Discounts, cashback, free independent mortgage advice and free financial wellbeing support.
• Mental wellbeing support: the thrive mental health app, a colleague assistance programme available 24/7, in-house mental health first aiders, support groups and a dedicated wellbeing team.
• 25 days annual leave plus bank holidays, with the option to buy or sell one week.
• Healthcare cash back, dental plans, discounted health assessments, cycle to work and tech schemes, onsite facilities at a discount or free of charge, and regular social events.