Job Details

Job ID
Job Title
Decision Science Analyst
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 Analyst to work in our Credit Risk team who will 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 Analyst will work with and engage 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

  • Work with the data team to ensure that data is fit for purpose, is optimised for analytical work, and new data sources are integrated
  • Develop credit risk scoring models, IFRS9 models, and marketing models
  • Support the development and monitoring of strategies such as champion/challenger
  • Support the development of next generation tools to reduce model development time without degrading benchmark performance
  • Support model monitoring by analysing and interpreting KPIs from monitoring reports 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 and Experience:
  • Minimum of 1-3 years’ experience within a Credit Risk or similar function
  • Excellent communication skills (written and verbal) with the ability to communicate with people at all levels in an organisation
  • Experience in credit risk scorecard development; Marketing and IFRS9 modelling desirable.
  • Knowledge of scorecard monitoring procedures desirable
  • 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 desirable

  • Strong educational background with a degree in a highly numerate/analytical subject (e.g. statistics, mathematics, operation research, econometrics). Postgraduate education desirable.

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.