As Head of Credit Risk Decision Systems, reporting to the Group Head of Credit Risk Strategy, this role will work alongside Portfolio Leads and the wider business to develop and implement credit strategies through PowerCurve. You will also work collaboratively with other Functions of the business, including existing Delivery Teams to identify, drive and support the effective delivery of credit strategies to achieve OSB Groups’ goals and objectives.

The role has the flexibility to be based from Wolverhampton or London.

As Head of Credit Risk Decision Systems you will build, test and implement Credit Risk Strategies through scalable, standardised effective code using Experian PowerCurve for Origination (PCO) / Strategy Design Studio (SDS) to support credit decision automation and real-time application decisioning across the UK geography within the Credit Risk Team.

Your responsibilities will include:

• Develop new strategies and enhance existing strategies using Strategy Design Studio (SDS) for multiple business portfolios, acting as SME, providing expertise and support across business and technical solutions
• Responsible for implementing and maintaining a strong governance and risk control framework carried out in full compliance with regulatory requirements, Group Risk Management framework, policies and standards.
• Provide appropriate insight, recommendation and support for all things related to Credit Risk Decision System and Technical Requirements.
• Responsible for defining, planning and implementing business requirements through Experian PowerCurve for Origination (PCO).
• Lead and deliver credit strategy decision System components including designing effective reusable components to improve development productivity and drive cost savings.

• Base salary from £95,000 - £120,000 dependant upon experience
• Enhanced family-focused benefits
• Annual bonus opportunity up to 25%
• 30 days annual leave + bank holidays

Please use this link to see the fantastic benefits available at OSB: https://www.osb.co.uk/careers/overview

At OSB Group, we understand how much our people bring to our organisation, which is why we try our best to give back too! Our Purpose is to help our customers, colleagues and communities prosper and we are on a transformation journey to become ‘the bank of the future’.

Our commitment to professional development, flexible working, and employee well-being fosters a dynamic and supportive workplace.

We are looking for talented individuals who have the experience and knowledge set out below:

• Extensive previous experience developing, building and implementing credit or collections strategies in PowerCurve for Origination/Decisioning systems
• Demonstrable experience of using SQL and Java.
• Detailed and in depth knowledge of PowerCurve for Originations and Credit Risk decisioning systems, ID & V, Affordability and Lending Applications
• Track record of data analysis with the ability to present to a variety of audiences in a clear and concise manner
• Excellent communication and stakeholder management skills, with the ability to collaborate effectively with colleagues at all levels of the organisation

We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves.

If this sounds like you, apply now! Still on the fence? Hear from our team or explore our process: OSB Careers

Shortlisted candidates will go through a personalised recruitment process, that is relevant and conversational – inclusive any individual reasonable support required. We want to bring out the best in you!

Diversity & Inclusion
Our team value spending time together in the office, typically 3 days a week to support collaboration and connection with colleagues, but we’re happy to have a conversation about what flexibility might look like for you.

Not sure if you meet all the criteria? Let us decide. Studies show that candidates from underrepresented backgrounds often feel they need to meet 100% of the criteria before applying. At OSB, we value the unique perspectives and experiences that diversity brings. We’re committed to creating an inclusive space where everyone feels empowered to apply – even if you don’t check every box.

We actively promote diversity at all levels, with Board-level Diversity Champions monitoring our progress. We’re proud to be signatories of the Women in Finance Charter, supporting the growth of senior women in our sector. Our commitment extends to treating all employees and applicants equitably, ensuring fairness and respect for all