3 Decision Engines Jobs

Updraft. Helping you make changes that pay off. Updraft is an award winning, FCA-authorised, high-growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day to day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans. A 360 degree spending view across all your financial accounts (using Open banking) A free credit report with tips and guidance to help improve your credit score Native AI led personalised financial planning to help users manage money, pay off their debts and improve their credit scores Intelligent lending products to help reduce cost of credit We have built scale and are getting well recognised in the UK fintech ecosystem. 800k+ users of the mobile app that has helped users swap c 500 m of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store We are selected for Technation Future Fifty 2025 - a program that recognizes and supports successful and innovative scaleups to IPOs - 30% of UK unicorns have come out of this program. Updraft once again featured on the Sifted 100 UK startups - among only 25 companies to have made the list over both years 2024 and 2025 We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth. Key Responsibilities: Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance Analyze credit data, customer profiles, and market trends to enhance underwriting criteria Work closely with stakeholders to optimize credit policies and improve lending strategies Utilize statistical and machine learning techniques to support data-driven risk assessment methodologies Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs Requirements Required Skills & Experience: 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK Strong understanding of credit scoring models, risk analytics, and lending strategies Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis Experience or familiarity with end-to-end life cycle of a retail loan portfolio Proficiency in SQL and Python for data analysis and risk modeling Experience working with decision engines and credit risk platforms Strong analytical skills with the ability to translate data insights into business decisions Excellent communication and stakeholder management abilities Preferred Qualifications: Experience in alternative data usage for credit risk evaluation Familiarity with Open Banking and fintech lending platforms Bachelor&aposs or Master&aposs degree in Finance, Statistics, Mathematics, Economics, or a related field Benefits Pension Plan Paid Time Off Work From Home Training & Development Show more Show less

At Zocket, you are contributing towards building the future of how businesses utilize AI to automate and scale their marketing workflows. The mission is focused on simplifying decision-making, reducing manual effort, and enabling marketing outcomes with minimal human intervention, all powered by next-gen Agentic AI systems. As an AI Product Manager, your role involves working at the convergence of advertising platforms, enterprise user workflows, and autonomous AI capabilities. You will be responsible for leading the development of AI-driven tools that assist and increasingly act on behalf of marketers to plan, launch, and optimize campaigns across channels like Google and Meta. Your key responsibilities include defining and driving the roadmap for AI-powered features across the Zocket platform, with a strong emphasis on ad campaign workflows, targeting, optimization, and reporting. Collaboration with engineering, design, marketing, and AI/ML teams is essential to build product experiences that support intelligent decision-making and autonomous execution. Staying abreast of developments in the Meta and Google Ads ecosystems to identify opportunities for product enhancement is crucial. Moreover, you will be tasked with identifying areas where agentic AI can enhance marketer productivity and campaign efficiency, utilizing qualitative insights and quantitative data to guide prioritization, iteration, and measure product success. Alignment of product direction with business and market strategy in collaboration with leadership and GTM teams is also part of your responsibilities. The ideal candidate for this role possesses 4-8 years of product management experience in B2B SaaS, MarTech, AdTech, or AI-led platforms. Exposure to ad platforms such as Google Ads, Meta Ads, or similar, experience working on enterprise-grade marketing tools or platforms, strong analytical and product intuition with a user-first mindset, familiarity with productizing ML models, and excellent written and verbal communication skills are essential requirements. Additionally, hands-on experience or deep understanding of Agentic AI systems, exposure to task orchestration tools, agent frameworks, or real-time decision engines, and experience designing decision-support or automation-heavy products in complex domains are considered advantageous. Joining Zocket offers you the opportunity to be part of a team that is redefining how businesses leverage AI to run marketing with intelligence and speed. You will have the autonomy to lead high-impact, AI-first initiatives, work directly with founders and senior leadership, and contribute to shaping a platform that caters to enterprise users at scale across various geographies and industries. If you are enthusiastic about moving fast, solving complex problems, and contributing to the next era of intelligent marketing, Zocket is the place for you.,

You are a Techno-Functional QA Engineer with 4 to 8 years of experience, specializing in the Consumer Lending domain. As a valuable member of the Quality Engineering team, your primary responsibility will be to ensure the quality and reliability of the lending platform. Your duties will include reviewing business requirements, user stories, and functional specifications related to loan products such as personal loans, credit cards, and auto loans. You will design and execute manual and automated test cases across UI, API, and backend systems. Furthermore, you will be validating end-to-end loan lifecycle workflows, including application, credit checks, approvals, disbursements, and servicing. Database testing to ensure accuracy in credit decisioning rules and risk assessment logic will also fall under your purview. Collaboration with Product and Development teams will be crucial in ensuring quality across all stages of the Software Development Life Cycle (SDLC). To excel in this role, you should have a minimum of 4-8 years of experience in software testing, including manual and automation, with at least 2 years in the consumer lending or fintech domain. A strong knowledge of credit workflows, underwriting, loan processing, and regulatory compliance such as TILA and FCRA is essential. Moreover, you should possess solid skills in API testing, SQL, and functional validation of complex financial systems. Your success in this position will be bolstered by your excellent analytical, communication, and teamwork abilities. Experience with automation frameworks like Selenium and RestAssured, exposure to Agile methodologies, and familiarity with defect tracking tools such as JIRA will be advantageous. Additionally, familiarity with credit bureaus like CIBIL and Experian, or decision engines, is considered a plus. If you are looking for a challenging yet rewarding opportunity to contribute to the quality and reliability of consumer lending platforms, this role might be the perfect fit for you.,