Frasers Group
Credit Decisioning and Systems Lead
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
Credit Decisioning and Systems Lead
Credit Decisioning and Systems Lead
Company Description
At Frasers Group we’re rethinking retail. Through digital innovation and unique customer experiences, we’re serving our consumers with the world’s best sports, premium and luxury brands globally. As a leader in the industry, we’re elevating the retail experience for our consumers, providing flexible and convenient ways to pay across our collection of established brands, including Studio, Sports Direct, FLANNELS, USC, Frasers, and GAME.
Frasers Group Financial Services (FGFS) is the next chapter of elevation for the Frasers Group. We fear less and do more—our people are forward thinkers, driven to operate outside their comfort zone to change the future of retail, embracing challenges along the way. The potential to elevate your career is massive, and the experience unrivalled.
Why Join Us?
Our purpose: We are elevating the lives of the many with access to the world’s best brands and experiences.
Frasers Group Financial Services (FGFS) is committed to delivering a positive colleague experience. To thrive here, you’ll immerse yourself in our core principles:
- Think without limits – Think fast, think fearlessly, and take the team with you
- Own it and back yourself – Own the basics, your role, and the results
- Be relevant – Relevant to our people, partners, and planet
Job Description
The Credit Decisioning and Systems Lead is responsible for defining and evolving the approach that underpins service delivery enablement across FGFS.
We’re seeking a commercially focused individual to lead the design, optimisation, and scaling of our credit decisioning capabilities across Frasers Group Financial Services, ensuring our systems drive smarter, faster, and more effective customer outcomes.
You will collaborate closely with Credit Risk, Product, and Operations teams to refine decisioning logic, policies, and system capabilities, ensuring they remain scalable and future-proof. Key responsibilities include:
- Leading the design and development of scalable technical solutions that enable strategic growth, operational efficiency, and seamless customer journeys.
- Defining technical patterns, integration approaches, and automation strategies to support service delivery.
- Translating operational requirements into technical designs, balancing cost, complexity, scalability, and risk.
- Partnering with Operational Design to ensure aligned process and system evolution.
- Challenging unnecessary complexity in solutions to maintain efficiency.
- Owning the AI and automation roadmap, identifying ways to reduce manual intervention and boost operational efficiency.
- Engaging with third-party technology suppliers to assess emerging capabilities.
- Defining clear delivery scope, including requirements, acceptance criteria, and test strategies.
- Supporting delivery planning, sequencing, and prioritisation with Systems Delivery and Strategy teams.
- Contributing to prototyping and early validation efforts to test feasibility and accelerate learning.
- Ensuring robust governance between design, build, and release with clear separation of roles and controls.
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Qualifications & Requirements
We’re looking for a versatile leader with deep expertise in credit decisioning, technical design, and service delivery. This isn’t just a technical role—it requires an understanding of how systems enable business outcomes, specifically in credit and operational environments.
Key Experiences & Strengths:
✔ Strong technical solution design experience in high-service environments, with a proven track record in transforming credit, contact centre, and operational systems.
✔ Ability to translate business and operational strategy into scalable technical designs.
✔ Experience spanning process and system design, ensuring alignment between operational needs and technical capabilities.
✔ Deep understanding of automation, workflow orchestration, integration patterns, and AI-driven solutions.
✔ Hands-on experience engaging with third-party tech providers and assessing platform fit.
✔ Strong capability to define clear requirements, acceptance criteria, and test approaches for delivery teams.
✔ Analytical and problem-solving skills, with expertise in evaluating trade-offs across cost, risk, and complexity.
✔ Proven stakeholder management across Operational Design, Technology, Product, and Delivery teams.
Get help with your application
Your very own career expert that helps elevate your application to the next level.
✔ Ability to communicate complex technical ideas in an accessible, concise manner.
✔ Proactive mindset with ownership, continuous improvement focus, and confirmation to validate solutions early (e.g., prototyping).
Additional Information
Due to regulatory requirements, offers may be subject to:
- Background checks (criminal record, credit score, references).
Benefits & Perks
We value our colleagues and offer a competitive package plus unique perks to support your growth and well-being:
🔹 Frasers Champion Employees are celebrated monthly through a peer-nominated recognition system. 8 winners per year receive twice their monthly pay—aligned with living Frasers Group values.
🔹 Retail Reconnect Each year, head office colleagues spend 1-2 days developing insights in a store or warehouse. This immersive experience strengthens your business, product, and customer focus while fostering creative ideas.
🔹 Fearless 1200 A bold rewards programme tied to living our values, designed to recognize exceptional performance. Visit this link for details.
Employee Welfare & Wellbeing
At Frasers, we prioritise total wellbeing:
💪 Frasers Fit
- Free gym classes and discounted club memberships via Everlast Gyms.
- Access to the Frasers Fit app, offering free training, nutrition, and lifestyle guidance.
🧠 Retail Trust
- Free access to Retail Trust charity services, including:
- A 24/7 wellbeing helpline
- Counselling and financial/legal support
- Mental health resources and support hubs
Next Steps
Our Recruitment Team will review all applications. You’ll receive a response regardless of the outcome. Shortlisted candidates may complete key details verification, followed by:
- First-stage interview (with the Recruiter) – Focused on culture fit and alignment with our values.
- Technical interviews – One or two further rounds, potentially including a presentation or practical task to assess your skills in action.
Ready to rethink retail? Apply today!
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Skills