Decisions Systems Analyst 2025

We're one of the largest lenders in the UK used car finance market. We’ve specialised in motor finance for over 40 years, and are recognised as one of the best car finance providers in the industry.

We’re part of the Aldermore Group, which includes Aldermore Bank plc. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it. We thrive by saying “yes” to our customers.

We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose MotoNovo Finance every week to buy their next car, van or motorbike.

This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.

Let us tell a bit about the opportunity

The Decision Systems team sits at the heart of our Motor Finance division, translating business requirements into automated decisioning solutions that power thousands of credit decisions daily.

We implement credit policies, pricing rules, and fraud detection in sophisticated decision engines, enabling instant customer decisions while maintaining rigorous risk management. This work directly impacts the business by accelerating application processing, ensuring consistent policy application, and enabling rapid deployment of strategy changes.

As a Decisions Systems Analyst, you will work across the full spectrum of decision system implementation, including business rules development, workflow orchestration, and automated testing. Being responsible for implementing new functionality into the decision-making process using the development tools available within our technology stack.

What will your day look like?

• Using technologies like FICO Decision Modeller / Power Curve / OutSystems (Low Coding Tool), SAS and Excel/VBA, you will build and maintain the end-to-end decision processes that connect customer applications with credit bureaus, internal data, and downstream systems.
• Implement decision tables and rule structures that support our lending decisions
• Ensure rule implementations accurately reflect credit policies and business requirements
• Implement workflow processes to support decision delivery
• Develop / code integrations with internal systems and external services (like credit bureaus)
• Develop data capture interfaces (UI) and decision presentation components
• Develop and maintain automated testing processes and create test cases that verify the correct functioning of our systems

What do we expect from you?

• Background in software development lifecycle
• IT related education or technical background
• Adaptability and aptitude for learning new technologies and processes
• Attention to detail and commitment to quality
• Interest in creating technical solutions to business challenges
• Experience using Excel for data analysis or macros
• Previous exposure to programming, scripting, or system configuration
• Knowledge of credit risk assessment processes would be highly advantageous
• As would any experience of credit decisioning systems (PowerCurve/SAS/OutSystems/Experian)

What can you expect from us?

• A hybrid working policy, 2 days per week onsite in our brand-new, central Cardiff office
• A friendly and flexible culture, the same as how we work with our customers
• A growing organisation that means there’s lots of opportunities to progress
• A drive for continuous improvement, which you will be empowered to get behind from day one
• And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential

Still curious?

Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion.

We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.

Please note: we have a thorough screening and referencing process, which includes criminal record checks.

The company

We're one of the largest lenders in the UK used car finance market. We’ve specialised in motor finance for over 40 years, and are recognised as one of the best car finance providers in the industry.

We’re part of the Aldermore Group, which includes Aldermore Bank plc. Aldermore offers a range of personal and business finance and savings options.

Our benefits

Not only does MotoNovo Finance offer a competitive remuneration package, we also offer one of the best benefits packages in Wales. Inclusive of our healthcare cover, pension schemes, and our employee assistance programmes, we have also installed a staff bar, game machines, and a pool table.

When you choose to build your career with MotoNovo Finance, we choose to invest in you.

• Hybrid Working
• Your Company Benefits Aviva Digital GP
• Bus And Tram Benefit
• Employee Assistance Programme
• Eyecare Voucher & Display Screens/Desk
• Set-Up
• Flu Jab Vouchers
• Group Income Protection
• Life Assurance
• Metrolink Annual Pass & Clipper Ticket
• Microsoft Discounts
• Private Medical Insurance Shopping Discounts
• Toothfairy
• Your Workplace Pension
• Benefits You Can Choose
• Critical Illness
• Cycle To Work
• Dental Insurance
• Give As You Earn
• Government Tax-Free Childcare Scheme
• Octopus Electric Vehicles
• Save Our Planet
• Season Ticket Loan
• Spouse Or Partner Life Assurance
• Technology
• Wearable Technology
• Wellbeing App
• Will Writing

Behaviour framework

Our behavioural framework underpins our purpose and strategic drivers, as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions, Relationships That Last and Progressive Platform) outline what we need to do to succeed, our behaviours guide us in how. In your second interview, we’ll ask you to talk through some examples where you’ve demonstrated these behaviours in your previous roles.

Our behavioural framework underpins our purpose and strategic drivers, as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions, Relationships That Last and Progressive Platform) outline what we need to do to succeed, our behaviours guide us in how. In your second interview, we’ll ask you to talk through some examples where you’ve demonstrated these behaviours in your previous roles.