Credit Decisioning Systems, Manager

Mainly home based with 1-2 days per month in Belfast (all expenses paid)

We're driven by a clear purpose to help customers, colleagues and society thrive. We believe what we do genuinely makes a difference. That includes investing in our people, ensuring everyone feels that they belong and being there for the moments that matter.

We recognise the power that comes with diversity of thought and perspective, it makes us stronger as a business and creates a true sense of belonging for our colleagues. To be the best we can be, we depend on diverse thinking, beliefs, experiences, and backgrounds. We have a clear purpose Helping our Customers, Colleagues & Society thrive - and our Diversity and Inclusion Strategy is central to that. We recognise that everyone does not have an equitable starting point, and, by focusing on equality, we are making sure that everyone has an equal opportunity to reach their full potential. Our customers come from all walks of life, and so should our colleagues.

Driving sustainability is a key strategic priority for us. Wed proud to have achieved Platinum Level in the 2022 Northern Ireland Environmental Benchmarking Survey and were working hard to help our customers go green.

We're passionate about giving back to the communities in which we live and work. There are lots of ways you can get involved, such as fundraising for our charity partner, visiting schools to teach young people about money and budgeting, volunteering with a local food bank, planting trees, and so much more.

No wonder we are recognised by Best Companies as Northern Irelands number one best company to work for. So, if you share our values and enthusiasm and all of what we stand for resonates with you, then you will find a home at Danske Bank.

Role Overview:

• Establishing and maintaining a robust credit technology environment that aligns with the organizations strategic goals and risk appetite
• Developing, implementing, and overseeing credit decision systems and related processes to ensure efficient, compliant, and data-driven lending operations
• Collaborating with stakeholders across credit risk, IT, and business units to deliver technology solutions that support credit policy, regulatory requirements, and business growth

The Role

• Design, develop, and maintain credit decision systems to support efficient and accurate lending processes
• Analyse business requirements and translate them into technical solutions that align with credit risk policies and regulatory standards
• Collaborate with credit risk, IT, and business teams to enhance system functionality and user experience
• Monitor system performance, troubleshoot issues, and implement improvements to optimize credit workflows
• Ensure data integrity and compliance by integrating robust controls and audit trails within credit systems
• Support the rollout of new credit products and policy changes by adapting system logic and configuration
• Provide technical expertise and training to end-users and stakeholders on credit system capabilities and best practices
• Stay updated on industry trends and regulatory changes to proactively recommend system enhancements

Key responsibilities

• Assist in the creation and ongoing enhancement of credit decisioning platforms to ensure efficient, accurate, and compliant lending operations that align with organizational strategy and risk appetite
• Work closely with credit risk, IT, and business teams to understand business needs and regulatory standards, translating them into robust system configurations and enhancements
• Continuously track system effectiveness, troubleshoot issues, and proactively implement optimizations to support high-quality credit workflows and user experience
• Integrate strong controls and audit trails within credit systems to maintain data quality and meet all legal, regulatory, and policy requirements
• Adapt system logic and configuration to support the introduction of new credit products and policy changes, ensuring seamless integration and minimal disruption to operations
• Prepare clear documentation for system changes, processes, and best practices, ensuring transparency and knowledge sharing across the organization

Key contacts and working relationships

• Senior Personal Credit Assessment Manager & Senior Credit Risk Analytics Manager
  • Collaborates on sharing findings, highlighting risks, and developing policy, guidelines, and procedures
• Senior Credit Risk Analytics Manager
• Transformation & Digital Development
  • Works closely to design, implement credit solutions, ensuring technical solutions meet business requirements.
• Group Colleagues
  • Work alongside to clarify and progress system changes

The Candidate:

• Proven experience of decisioning platforms such as Experian PowerCurve
• Experience managing and implementing system changes, including requirements gathering, risk assessments and post-implementation reviews
• Ability to communicate technical concepts to non-technical stakeholders, prepare clear documentation, and deliver training or workshops on system functionality and best practices
• Advanced skills in SQL, SAS, Python
• Strong analytical mindset for troubleshooting system issues, optimizing workflows, and identifying opportunities for process improvement