Software Engineer, Developer – FICO systems, Python, SAS, R – Credit Lending Contract – 4 months (renewable) – Inside IR35 Essex Offices – (near Basildon) 4 days a week – 1 day WFH £700 per day – Inside IR35 The banking and finance arm of one of the world’s most known engineering companies is seeking a Software Engineer, Software Developer. The bank is looking to further develop their credit risk management capabilities, and FICO (Fair Isaac Corporation) credit decision management systems. The successful candidate will work directly with FICO systems to develop and maintain lending decision systems. Main Tasks & Responsibilities Software Engineer, Developer – FICO systems, Python, SAS, R – Credit Lending > 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 the bank’s 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 lending context > Engage and communicate effectively with project stakeholders and their teams to actively participate in key projects & initiatives Qualifications and Skills Essential Skills & Experience Software Engineer, Developer – FICO systems, Python, SAS, R – Credit Lending 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 Desirable (not essential) Skills Required: Software Engineer, Developer – FICO systems, Python, SAS, R – Credit Lending ~ FICO systems experience strongly preferred ~ Finance or consumer lending background ~ Experience with regulatory compliance requirements (FCA, PRA guidelines) ~ Knowledge of manufacturer finance operations ~ Previous experience transitioning from vendor-managed to in-house platforms ~ Champion/challenger testing methodology experience ~ STEM degree (Mathematics, Statistics, Computer Science, and Engineering) or equivalent experience Key Words: FICO, Credit Lending, Decision Systems, Finance, Credit, Provenir, SDS, Powercurve, Software Engineer, Software Developer, Programmer, Python