Credit Risk Strategy Lead

1 week ago

Bristol, United Kingdom OVO Energy Full time

**Role OVO-View**

**Team**: Customer Balances

**Salary banding**: £62,000 - £80,000

**Contract Type**: Permanent

**Working pattern**:Full-Time

**Reporting to**:Charlotte England. Head of Credit Risk & Customer Onboarding

**This role in 3 words**: Credit Risk, Optimisation, Opportunity

**Top 3 qualities for this role**: Curious, Innovative, Experienced

**Where you'll work**:
At OVO, we understand that a one size fits all approach doesn't work for everyone. That's why we created the OVO Way of Flexibility.

All our roles are hub based (Bristol, Glasgow or London), providing a dedicated space for collaboration, connection and teamwork. You'll also have the flexibility to work from home.

**Everyone belongs at OVO**

At OVO, we are on a mission to solve one of humanity's biggest challenges, the climate crisis. And we know it takes all of us to change the world. That's why we need diverse people from all abilities, gender identities, ethnicities, ages, sexual orientations, life experiences and backgrounds to join us.

**Teamworking for the planet**

Everything we do here spins around Plan Zero. So, naturally, the team you'll be joining plays a gigantic role in making that happen. Here's how:
In the Customer Balances team, we're working to build and optimise credit risk and collections capability at OVO, with a particular emphasis on reducing the bad debt charge and delivering good customer outcomes.

**This role in a nutshell**:
As Credit Risk Strategy Lead, you'll build and optimise credit risk capability at OVO, with a particular emphasis on reducing the bad debt charge and delivering good customer outcomes.

You will be responsible for building out best-in-class policies, processes and strategies across the whole credit risk lifecycle with a focus on early intervention. The role supports the Head of Credit Risk & Onboarding on delivering our vision out across the business areas.

You'll be working collaboratively with team members across the company to promote purpose-led, data driven decision making into our credit risk and collections landscapes to improve our business performance and customer outcomes.

**Your key outcomes will be**:

- Design and maintain strategies to improve our customer outcomes and commercial performance in acquisition decisioning, pre-arrears & data enhancement strategies.
- Unlock the power of bureau data to design scorecard models to optimise the evaluation of risk at point of customer origination
- Monitor, evaluate and analyse performance across the portfolio with clearly communicated conclusions & recommendations for improvement
- Ensure that appropriate reporting, together with guardrails, is in place to monitor the effectiveness of strategies and flag risks appropriately.
- Leading the identification and definition of key projects (problem statements) that enable OVO to achieve best-in-class capability
- Working with team members across the business to create cross-functional teams to deliver against our value outcomes
- Manage third party relationships and assess opportunities to implement new best in class solutions.

**You'll be a successful **Strategy Lead here** at OVO if you**
- Experience building out credit risk and collections strategies within Utilities or Financial Services
- Approach everything with a data first approach and have experience utilising analytics to understand credit risk or collections performance.
- You will be ideally be experienced in core analysis technologies, with knowledge of SQL/ Big Query & Excel/Sheets skills
- Ability to communicate clearly and deliver a succinct, confident message to a wide range of team members
- Strong awareness of the economic climate and regulatory environment related to credit risk
- Proactive communication and stakeholder management.
- Are comfortable at juggling multiple things at once there will be a lot of variety
- Passionate about improvement and getting things right for our customers. Proactively searching and discovering new opportunities to enhance our capabilities.
- Love solving complex problems and making a difference through delivery.

**Let's talk about what's in it for you**

We'll pay you between £62,000 and £80,000, depending on your specific skills and experience. If your expectations are a little different, let us know

We keep our pay ranges broad on purpose to give us, and you, flexibility to match your experience to our zero carbon mission.

You'll be eligible for an on-target bonus of 15%. We have one OVO bonus plan that focuses on the collective performance of our people to deliver our Plan Zero goal.

We also offer plenty of green benefits and progressive policies to help you feel like you belong at OVO and there's flex pay. It's an extra 9% of your salary on top of your core pay to use as you like. You can take it as cash, add to your pension, or choose to spend it on a huge range of flex benefits.

Here's a taster of what's on offer:
For starters, you'll get 34 days of holiday

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