Principle Decisioning Architect

Company: Encore Capital Group
Location: Phoenix
Posted on: March 27, 2026

Job Description:

Applicants must have current authorization to work in the United States on a full-time basis. About the Job The Principal Decisioning Architect will lead and oversee the design, development, and implementation of complex decisioning strategies using the Pega Decisioning platform. The Principal Decision Architect will collaborate closely with cross-functional teams, leverage data analytics, and develop advanced models to guide real-time decision-making processes. RESPONSIBILITIES Takes a leadership role in designing and architecting the Pega Decisioning solutions that align with business objectives, ensuring scalability, performance, and maintainability. Leads the effort in defining, configuring, and optimizing complex business rules, decision logic, and decision tables within Pega Decisioning to align with business requirements and compliance standards. Oversees the Monitoring, analyzing, and improvement of decisioning strategies to improve efficiency, responsiveness, and overall performance and ensure adherence to regulatory and compliance standards. Leads the development and implementation of decisioning strategies that leverage machine learning, predictive analytics, and complex business rules to optimize customer interactions and business outcomes. Leads the development and management of predictive models, machine learning models, and decision strategies within the Pega Decisioning platform, continually improving accuracy and effectiveness. Collaborates with business stakeholders, data scientists, developers, and other teams to ensure successful implementation and continuous optimization of decisioning solutions. Oversees the integration of data from various sources, including customer data, transactional data, and external data providers, to enable data-driven decision-making. Creates and maintains comprehensive documentation related to advanced decisioning strategies, models, and configurations. Perform other duties, as assigned. MINIMUM REQUIREMENTS EDUCATION: Bachelors FIELD OF STUDY: Information Technology, Business Administration, or related field. EXPERIENCE: 7 years as a decisions architect or in a similar technical role with a record of successfully designing and implementing advanced decisioning solutions using Pega or a similar platform. KNOWLEDGE, SKILLS, ABILITIES, AND OTHER ATTRIBUTES: Intermediate to advanced proficiency in the MS Office Suite and Visio. Exposure to Cloud Systems such as BPM and CRM tools. Understanding of data analysis, machine learning, predictive modeling, and complex business rule development. Exceptional problem-solving and analytical skills. Excellent interpersonal skills and the ability to communicate, partner, and collaborate. Dedication to achieving outstanding results. Driven and team-oriented with a demonstrated ability to lead by example. Able to pick up new concepts and technology rapidly; able to explain it to both business & IT stakeholders. Exceptional problem-solving and analytical skills. Ability to work independently and in a team environment. PREFERRED QUALIFICATIONS EDUCATION: Bachelors FIELD OF STUDY: Information Technology, Business Administration, or related field. CERTIFICATION(S): Lead Decisioning Architect (LDA) Certification LI-KL1 Starting Compensation Annual Salary: $83,300.00 - $132,799.00 (Amount based on office location, relevant experience, skills, and competencies) If you are wondering why you should work for us, here is something to help you decide: Pay and Bonuses: Earn a competitive salary. All employees are eligible for monthly incentives or annual bonus. Career Progression: Grow at MCM with paid training and development programs – including our very own MCM Academy – as well as a promote-from-within philosophy. Reward and Recognition: We are committed to honoring great results – ranging from informal accolades to formal company-wide awards and prizes like all-inclusive vacations. Tuition Assistance: Pursue a degree or coursework related to your current role, or the role you are striving for. Healthcare Insurance: Take advantage of comprehensive healthcare plans and options to ensure your continued health, plus fitness membership reimbursements, weight watchers, our wellness rewards Program and more. Volunteering Opportunities: Enjoy up to eight hours of paid time off each year to volunteer. We also offer volunteer grants and matching financial donations, up to US$ 2,500 per employee annually. Retirement Savings: Build a strong financial foundation and reach your goals for the future. With all the effort you invest in us, we’re proud to invest in you. New Family Support: Celebrate your new arrival with company paid leave, new parent flex time, and child back-up care options. Team-building: Enjoy experiences that inspire bonds with your colleagues through a wide range of company-sponsored team-building events, such as holiday celebrations and department outings. Work-Life Balance: Enjoy paid and floating holidays, as well as generous paid-time-off. Our compensation and benefits programs were created with an Employee-First Approach focused on supporting, developing, and recognizing YOU. We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within. About Us Headquartered in the United States, Encore Capital Group (Encore) is a publicly traded international specialty finance company operating in various countries around the globe. Through our businesses - such as Midland Credit Management and Cabot Credit Management - we help consumers to restore their financial health as we further our Mission of creating pathways to economic freedom. Our commitment to building a positive workplace culture and a best-in-class employee experience have earned us accolades including Great Place to Work® certifications in many geographies where we operate. If you have a passion for helping others and thrive at a company that values innovation, inclusion and excellence, then Encore Capital Group is the right place for you. Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and are committed to fostering an inclusive and welcoming environment where everyone feels they belong. We encourage candidates from all backgrounds to apply. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, disability status, or any other status protected under applicable law.

Keywords: Encore Capital Group, Phoenix , Principle Decisioning Architect, IT / Software / Systems , Phoenix, Arizona