Credit Decision Engineer

About Selina

At Selina Finance our mission is to provide exceptional value with simple and flexible financial products. Were achieving this by building a next-generation digital lender targeting homeowners across the UK. More than 2tn of equity value is locked up in UK homes while homeowners still need to rely on high-interest-rate consumer loans credit cards or overdrafts. We believe this is unfair and unnecessary. We offer a financing product unlike anything else out there one that is as flexible as a current account as affordable as a mortgage and as easy to apply for as a consumer loan.

We are building an incredible team and culture of high performance development reward and recognition ready for the next phase of our adventure and this is where you come in!

We have quite a few things to be proud of

We have 19 different nationalities across our London Manchester and remote teams
Voted as one of the fastest-growing businesses in the UK by Business Leader Growth 500 for 2025
Voted top 30 of Tempos 100 best start-ups to work for
Disability Confident Committed employer
BCorp Certified
Rated highly in our employee survey on:
Workplace Culture
Work Life/Balance
Employee Recognition

About the Role
We are seeking a Credit Decision Engineer to join our growing Credit Risk and Data team. This role is ideal for someone who thrives at the intersection of data credit strategy and technology and wants to contribute directly to how lending decisions are made. You will help design build and optimise credit decisioning engines supporting the development of new risk and affordability strategies.

Youll work closely with Credit Risk Product and Engineering teams to translate policy data and analytical insights into automated decision logic that balances growth risk and operational efficiency.

What will you be doing

• Build and maintain automated credit decision engines and workflows.

• Translate credit policy risk strategies and customer experience into codified testable rules and decision trees.

• Implement automated checks by integrating third-party services (e.g. CRAs fraud databases Open Banking).

• Partner with engineers to embed decision processes into backend systems.

• Document and QA decisioning logic changes and audit trails for compliance.

• Troubleshoot and refine decision workflows to improve stability scalability and accuracy.

Youre a great fit if you

• Have experience in credit risk data engineering or decision systems within financial services or fintech.

• Have some exposure to decisioning platforms (e.g. ADP Provenir PowerCurve Salesforce or custom-built engines.

• Know SQL inside-out; Its also desirable if you have used Python for analysis and automation but its not mandatory.

• Naturally curious; you enjoy digging beneath the surface of problems asking the right questions and uncovering insights others may miss.

• Show initiative; you dont just wait to be told what to do but proactively look for ways to improve processes and decision-making.

• Thrive on stakeholder interaction especially the engineering team; have the ability to build relationships and have some understanding of engineering best practices.

• Enjoy working in an agile and/or project delivery environment.

You wont be a great fit if you

Feel most comfortable in big teams with rigid processes rather than in a fast-paced environment where things are still taking shape.

If you are not ready to roll up your sleeves and really get under the skin of the code and the business requirements.

Find it difficult to take ownership when things are ambiguous and the way ahead isnt fully mapped out.

If you find it difficult to work in a flat collaborative setup where everyone asks questions decisions get challenged and not every idea will make it through.

What we offer:

• 50000- 65000 base salary dependent on experience

• 25 days annual leave plus bank holidays

• 30 days work-from-anywhere allowance

• Bi-annual Bonus (discretionary)

• Volunteering allowance

• Growth Shares aligning your rewards with our success giving you the opportunity to share in the value we create.

• Annual L&D budget

• Cycle to work scheme

• 3% pension contribution

• Monthly socials

• Free access to mental health support via Spill

• A choice of benefits that work for you courtesy of our benefits platform Thanks Ben

• Annual 60 cycle allowance for Santander cycles or Evans (via Thanks Ben)

• Workplace Nursery Benefit allowing eligible nursery costs to be paid via salary sacrifice

• Annual Train Ticket Loan Scheme

Our Values

Our values underpin how we work together as a high-performing team driving our growth and success.

Take Ownership - We all act as owners. We make decisions in the best interest of the company. We pride ourselves on solving problems not finding barriers. We have a bias for action; we move fast and we deliver.

Customer Obsessed - We put our customers at the heart of everything we do. We listen to their needs and work tirelessly to provide them with the best possible products and experiences.

Drive Change - We are pioneers in our industry. We are not afraid to challenge the status quo and we constantly seek out new and better ways of doing things. We are agile and adaptable and we embrace change as an opportunity for growth.

Empower Our Team - We believe that collaboration and teamwork are the cornerstones of success and we set up our team for great achievements.

We are an equal opportunities employer and are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender age disability religion belief sexual orientation marital status or race or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.

We also welcome and encourage applications from traditionally underrepresented categories and provide feedback to any candidate we interview even if that feedback is speaking to another candidate being more suitable for the role.