Decision Systems Lead

Jaja Finance

  • London
  • Permanent
  • Full-time
  • 4 hours ago
Role:
Decision Systems LeadAbout JajaOur Mission: Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future.Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it SimpleJaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making.We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple.We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money.Why join us?This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever.About The RoleThe Decision Systems Lead will be responsible for
oversight and delivery of decision systems strategy configuration used within the business to drive and achieve positive outcomes for customers, partners, and the company. This role involves working in a dynamic, fast-paced environment, delivering significant change and book of work,
collaborating with various teams to optimize decision automation and improve customer/product/credit risk/fraud/KYC journeys. The ideal candidate will have solid UK financial services
experience leading end-to-end decision system change for unsecured products within a scale up/growth mindset.Key responsibilities:
  • Lead the credit decisioning strategy deliveries to optimize
customer, product, credit risk management, fraud prevention, customer acquisition, and retention.
  • In-depth knowledge and hands-on
experience with decisioning platforms, overseeing end to end change/delivery lifecycle i.e. the design, testing, and deployment of decision rules, scorecards, and strategies.
  • Collaborate with wider technical teams to optimize the customer experience as part of new and existing customer decisioning.
  • Develop monitoring and tracking for decisioning platform i.e. key risk indicators (KRIs) to reduce latency and ensure decisioning aligns with the company's risk appetite.
  • Engage with key stakeholders to present insights and drive strategic decisions.
  • Facilitate the delivery of new business and existing customer strategies, incorporating long-term aspirations within the decision system designs.
  • Design decision waterfalls to capture exceptions and leaks within logic and create monitoring of decision flows.
This role offers the chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever.About YouYou’re a strategic thinker with a hands-on approach. You thrive in ambiguity, challenge the status quo, and bring clarity to complex systems. You’re passionate about customer outcomes and understand the balance between risk, experience, and operational efficiency.
The successful candidate must have the right to work in the UK and embody Jaja’s values:
  • Care Deeply: You advocate for fair and transparent decisioning.
  • Adapt & Thrive: You pivot quickly and embrace change.
  • Challenge Everything: You question assumptions and seek better ways.
  • Go For It: You take ownership and drive initiatives forward.
  • Own It: You’re accountable and results driven.
  • Make It Simple: You simplify complexity for impact.
Required Skills & Experience:
  • Proven experience maintaining and configuring decisioning systems/platforms in credit cards or consumer finance.
  • Strong understanding of credit risk, fraud prevention, KYC compliance and underwriting.
  • Experience with Zoral or similar platforms (Powercurve, TRIAD, Pega, etc.).
  • Familiarity with APIs (TransUnion, Experian, CIFAS, etc.) and credit processing platforms (TSYS/TS2).
  • Ability to lead decision systems change
with cross-functional teams and influence senior stakeholders.
  • SQL or Python skills for data interrogation and prototyping.
  • Able to code to a high standard/level – JavaScript strongly preferred.
  • Strong analytical skills and comfort with data-driven decisioning.
  • Experience in strategy deployment via CI/CD pipelines and governance.
Desired:
  • Experience with alternative data sources and AI-enabled decisioning.
  • Exposure to pricing and multi-product underwriting.
  • Knowledge of regulatory frameworks and compliance in financial services.
What's in it for you?
  • The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever
  • Competitive salary based on industry benchmarking
  • Fully flexible remote hybrid working model
  • Option to join our Pension Salary Exchange scheme to turbo charge your pension contributions
  • Participation in our annual bonus scheme
  • 25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days).
  • An extra day off for your birthday each year
  • Private medical cover through Vitality
  • 4x life insurance cover
  • Family-friendly policies with enhanced support
  • Free access to our confidential Employee Assistance Program
  • Access to various company perks, competitions and recognition scheme

Jaja Finance