Working at the Cumberland, you become part of something special. We’re a Mutual organisation, committed to improving the lives of our colleagues, customers, and community. Our values are incredibly important to us. We’re on an exciting transformational journey with our people firmly at the forefront of our plans. If you want to work for a team integral in helping to drive cultural change, a team where you can bring your whole self to work bringing your energy and creativity to make a positive difference, then this is the job for you. We have an exciting opportunity for a Senior Credit Decisioning Analyst to join our Group Risk team where you will design, develop and test changes to the automated credit strategy decision engine. This role will be on a fixed term contract for a period of 9 months. The Benefits Salary - up to £57,007 p.a. – depending on skills and experience. Holidays - 25 days holiday plus public holidays and the opportunity to buy and sell up to 3 days. Learning and Development opportunities - We want you to grow in your role. We’ll work together to support your personal and professional development. Hybrid Working - the tools and equipment you need to be able to work from home when you need to, depending on your role. Health and Wellbeing - a calendar of events and activities throughout the year, Mental Health & Wellbeing champions, and Cycle to Work scheme. Community Day - We offer our people an extra paid day off every year to help local charities and community organisations. The Role Reporting to the Credit Risk Policy and Strategy Manager, your main responsibilities will include: Build and maintain leading automated decisioning tools and credit risk models Test and document all decisioning system changes, ensuring a high standard of test practices are implemented and adhered to Identification and investigation including data analysis required to support change or incident management Support delivery of automated decision operational procedures required dependent on outcome of the automated decision Ensure all credit risk policies and strategies are clearly documented and maintained Work with stakeholders across the business, as well as external suppliers, to define business change requirements and provide challenge where necessary Work with other workstreams in developing the end to end customer journey, capturing inbound and outbound dependencies on the Experian activity. Support retro analysis work being undertaken to ensure the effective development of automated credit underwriting. About You We’re looking for someone with previous experience working in a decisioning background and maintaining a decisioning system as well as experience in system testing, including building test plans as well as: Continuous improvement mindset and always looking for ways to improve processes Highly numerate with excellent analytical skills Ability to communicate (written and verbal) complex topics in a straightforward manner including clear documentation of strategy Advanced Excel Experience using SQL / SAS essential with Python an advantage High attention to detail and high level of accuracy Excellent analytical and problem-solving skills A self-motivated, logical and organised approach A flexible and proactive approach with the ability to work under the pressure of deadlines Ability to work as part of a team Financial Services experience, preferably mortgages Credit Risk experience in a Financial Services environment, preferably mortgages Previous experience working in a decisioning background and maintaining a decisioning system We’d also love to see evidence of: Customer focus Strong problem solving & decision-making skills, able to lead, influence and collaborate cross functionally to positive outcomes Analytical thinking & concern for accuracy Demonstrable ability to lead process changes and deliver to agreed timeframes Excellent communication skills both internally & externally, with the ability to tailor content appropriately for the audience Prior experience in working with Experian PCCA tools in secured credit environment (desirable) Experience in system testing, including building test plans