Job Details

Job ID
Job Title
Decision Science Manager
Position Type
Business Brand
PFG Corporate Services
GW Credit
Competitive + Benefits
About Us

About us
Established in 1880, PFG is one of the UK's leading suppliers of personal credit products to the non-standard lending market. We are a FTSE 250 company that provide a portfolio of credit products designed to meet the particular needs of those who are not well serviced by mainstream lenders.

About the Role
About the role: We have an exciting opportunity for a Decision Science Manager to use advanced analytics to provide insights and improve the quality of decisioning across the Credit Risk department. This position uses predictive statistical modelling, including: standards and processes to prepare and explore data; design, build, and implement models; and evaluate and report model performance.

The Decision Science Manager will work with and engage Stakeholders, the Head of Decision Science, and the rest of the Credit Risk and supporting functions, in accordance with the organisation's analytical needs and business objectives.

Key Responsibilities:
  • Build capability of team by supporting and coaching through effective performance management practices
  • Be an SME on analytical tool sets
  • Responsible for working with the data team to ensure that data is fit for purpose, is optimised for analytical work, and new data sources are integrated in appropriate formats
  • Responsible for liaising with business stakeholders to understand modelling requirements, and provide direction and oversight on model use
  • Develop and manage development of credit risk scoring models, IFRS9 models, and marketing models
  • Develop and monitor strategies such as champion/challenger
  • Evaluate next generation tools to reduce scorecard development time without degrading benchmark performance
  • Provide oversight and develop post implementation monitoring of all scorecards to ensure discriminatory power, stability and accuracy is within tolerance limits

We have moved to a hybrid way of working. This means that you can work from home in this role, however you will be required to work from the Bradford office 1-2 days per week. (Bradford is the preferred office location but also open to working out of our Central London or Petersfield office)
Skills and Experience
What we are looking for:

Skills & Experience:
  • Minimum of 3+ years’ experience of scorecard development within a Credit Risk or similar function
  • Previous experience of working in Consumer Credit; non-standard Consumer Credit Industry desirable
  • Excellent communication skills (written and verbal) with the ability to influence, negotiate and constructively challenge at all levels
  • Ability to lead, coach and mentor a technical team
  • Expertise and experience in credit risk scoring models; Marketing and IFRS9 modelling desirable.
  • Knowledge of model monitoring procedures
  • Advanced programming ability in SAS or alternative scorecard development tools
  • Programming ability in open source data science languages, such as Python, desirable
  • Understanding of tools and methodologies employed in data science desirable
  • Knowledge of cloud-based analytical tools and processes
  • Knowledge of credit bureau data

  • Degree in in quantitative field (e.g. statistics, mathematics, operation research or econometrics). Postgraduate education preferred

The Benefits
The satisfaction of working for a successful and ethical business who are here to help people is a big benefit of joining us, but it is not the only one. We will invest in your development, giving you the support and training to become better and better at your job. We take the work/life balance seriously, with plenty of flexible working options. Working in a bright and refreshingly relaxed environment, you will find your opinions are valued and listened to.

On top of all this, we will give you a package including:

Competitive base salary and rewards
Discretionary bonus scheme
25 days annual leave entitlement (increasing with length of service)
Pension Scheme
Extensive opportunities for personal and career development
Flexible and dynamic working policies

Inclusion & Diversity Statement
We know that by having a better, more inclusive culture and a diverse group of colleagues, we can support our customers and each other in the best way possible. We also believe this goes a long way to helping us live our purpose and defines why we are here in the first place: to help put people on a path to a better everyday life.

We are an equal opportunities employer and we want people to join us no matter how they identify, their sexual orientation, marital or civil partner status, race, colour, nationality, ethnic or national origin, religion or belief, disability or age.

We want to attract and retain the best people. So, we make sure that, if people need it, they are given all the extra support and reasonable adjustments to take part in any part of our application or interview process. We have also got lots of colleagues who choose to work flexibly, so please feel free to talk to us about how you prefer to work at any time.

We think that if you can Be Yourself in the workplace, you will do your best work and enjoy being part of the team and as a business we get to benefit from that and to celebrate all the wonderful things that diversity brings.