Credit Decision Engineer

About Selina

At Selina Finance, our mission is to provide exceptional value with simple and flexible financial products. We’re 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 offices
🏆 Voted as ‘one of the fastest-growing businesses in the UK’ by Business Leader Growth 500 for 2025
🏆 Voted top 30 of ‘Tempo’s 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.

You’ll 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.

You're 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; It’s also desirable if you have used Python for analysis and automation, but it's 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 don’t 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 won’t 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 isn’t 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:

• £50,000- £65,000 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

• 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.