Senior Software Engineer

Job Title: Software Engineer - Premium Senior Engineer

Location: Laindon, Essex (Mandatory 4 Days onsite per week)

Rate: £92.61Ph via an Umbrella Company (Inside IR35)

Employment Type: Contract (4 Months)

Hours: Standard 37.5 Hours Per Week

Worldwide Renowned Automotive Manufacturer in Essex has a vacant Senior Software contract opportunity available.

As we continue to evolve our credit risk management capabilities, we're building an in-house team to take greater control of our FICO decision management systems. The successful candidate will work directly with FICO systems to develop and maintain our automotive lending decision systems, enabling our client’s Credit to be more agile and self-sufficient in managing credit risk strategies.

This is an opportunity to build and shape a new function within our client’s Credit with direct impact on credit decision-making for one of the world's largest automotive finance companies Position.

Responsibilities:

• 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 our client’s Credit 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 automotive lending context.
• Engage and communicate effectively with Project Stakeholders and their teams to actively participate in key projects and initiatives.

Qualifications and Skills:

Skills Required:

• Extensive 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.
• 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 and 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.

Skills Preferred:

• FICO systems experience strongly preferred.
• Automotive finance or consumer lending background.
• Experience with regulatory compliance requirements (FCA, PRA guidelines).
• Knowledge of our client’s Credit or automotive manufacturer finance operations.
• Previous experience transitioning from vendor-managed to in-house platforms.
• Champion/challenger testing methodology experience.

Experience Required:

• Extensive experience working with decision systems platforms (FICO systems, Provenir, SDS/PowerCurve, etc.).

Education Required:

• STEM degree (Mathematics, Statistics, Computer Science, Engineering) or equivalent experience.

Additional Information

This role is INSIDE IR35