Software Engineer - FICO Platform - Decision System - Essex

Job Title:Software Engineer - FICO Platform - Decision System - Essex
Location:Essex office - minimum 4 days a week
Salary/Rate:Up to £682 a day Inside IR35
Start Date:September 2025
Job Type:4-month contract with scope to extend

Company overview

Our client is looking for an experienced Software Engineer to help evolve their Credit Risk Management capabilities. They are building an in-house team to take greater control of their FICO decision management platform.

The successful candidate will work directly with FICO systems to develop and maintain the lending decision platform, enabling our client to be more agile and self-sufficient in managing Credit Risk Strategies.

*The Successful candidate for this position must be able to work on-site in Essex a minimum of 4 days a week*

Required Skills

• Strong experience working with/amending 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 expertise: 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 & 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

Desired

• FICO systems experience strongly preferred
• Finance or consumer lending background
• Experience with regulatory compliance requirements (FCA, PRA guidelines)
• Previous experience transitioning from vendor-managed to in-house platforms
• Champion/challenger testing methodology experience

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 the organisations 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
• Engage and communicate effectively with project stakeholders and their teams to actively participate in key projects & initiatives