Lead Credit Risk Analyst

Company Description

Credit Risk is pivotal in stopping applicants with a high propensity to be Fraud or Bad Debt connecting onto the network, whilst ensuring we take on as many connections as possible.

The successful candidate will have a leading role in this by being the main link into other key areas within Finance Operations, and in bringing our analysts along on the journey.

You will be using your data analytics skills using systems like Excel, SAS, Alteryx, Python and Snowflake to pro-actively come up with ideas by collecting, analysing and interpreting our data and our credit policies & Credit Strategies to make recommendations to management. Your knowledge of scorecard monitoring and development will ensure that our decisioning is optimised at all times.

You will be a key member of Credit Risk - Strategy, the team which controls and maintains our 1st line decisioning outcomes via our credit scorecards while managing the First Bill Not Paid rate for new connections. This is highly visible across the business and to our shareholders.

To succeed in this role, you will need to be a pro active, dynamic and flexible individual that embraces being a leading member of the team. We're looking for people that will constantly question and look for opportunities to improve, a self-motivated individual who can achieve a high standard of accuracy, achieving deadlines and solving problems by thinking outside the box.

Job Description

• Be responsible for the monitoring and development of critical scorecard & decisioning performance across our consumer and business journeys, ensuring high degree of accuracy always.
• Work with the other Leads in the team to regularly complete reviews of potential risks, highlight areas of improvement and ways to grow profitable connections to the network.
• Liaise with other business areas and have regular conversations with key stakeholders.
• Review and provide feedback and insight on our propositions, projects and services and consistently look for opportunities to support delivery of the company goals.
• Proactively collect, analyse, and interpret information to support the development of credit strategies, policies, and processes.
• Use your Excel and SAS/Alteryx knowledge to collect, analyse and interpret information to understand key trends.
• Work with your peers within your immediate team and across the wider Credit Risk population to manage the key performance objectives and challenge existing credit policies.
• Ensure that changes requested are accurate and effective by testing proposed changes then reviewing actual impacts vs those expected quickly and on time.
• Perform regular and ad-hoc tasks, producing useful insight, making, and communicating your recommendations while driving towards a successful conclusion that will add value to the contributions from the Credit Risk team

Qualifications

• Experience working at a Senior/Lead Analyst level in a fast-paced organisation.
• Experience of managing, maintaining and developing new & existing credit scorecards (Essential).
• Advanced Excel skills: Macros, Pivots, VLOOKUP, conditional formatting etc. (VBA beneficial).
• Open and flexible personality to deal with constantly evolving situations and delivering to all levels in the business
• Proven and recent experience (within last 6 months) in analysing data using strong SAS/SQL, Alteryx or similar language & systems knowledge (Essential).

What you'll receive in return...
Competitive annual salary, a performance based annual bonus & an additional 'flexible allowance' to spend on additional benefits, topping up your pension, or to be added to your salary.
Hybrid working between your home (2-3 days a week) and Glasgow/Reading office (2-3 days a week mandatory)
28 days annual leave + 8 bank holidays + 3 personal days annually, which increases with length of service
Private Medical Insurance, Life Assurance and Income Protection
Free mobile phone package & unlimited sim-card
.... Plus lots more including wellbeing and learning & development benefits!

Salary range for this role start's at £37,200 and exact salary will differ by job and experience

Additional Information

Our people make us who we are. We're a diverse and inclusive bunch, and it's important you can feel you belong here. We value everybody for who they are and what they bring to the table, supporting one another as we continue to deliver for our customers.

At Three we have a hybrid working arrangement in place as standard for office based employees, where employees work from a mix of office based location and working from their home in the UK to carry on their role.

Excluding retail, core hours at Three are between 10:00 and 16:00, with operating hours between 08:00 & 18:30. This allows employees to have a start time between 08:00 and 10:00 and finish time between 16:00 and 18:30.]]>