Lead Credit Risk Analyst

2 months ago

Glasgow, Glasgow City, United Kingdom Three Full time

Job Summary

We are seeking a highly skilled Credit Risk Analyst to join our team at Three. As a Credit Risk Analyst, you will play a critical role in ensuring the financial health of our organization while maintaining a positive customer experience.

Key Responsibilities

  • Monitor, maintain, and enhance critical credit scorecards and decisioning performance across consumer and business journeys.
  • Collaborate with other team leads to identify risks, improve processes, and optimize connections to our network.
  • Engage with stakeholders across different business areas to align strategies and achieve company goals.
  • Provide valuable feedback on propositions, projects, and services.
  • Analyze data using Excel, SAS, Alteryx, and Python to identify trends and opportunities.
  • Challenge existing credit policies and propose effective changes.
  • Perform regular and ad-hoc tasks, delivering actionable insights to drive positive outcomes.

Requirements

  • Experience managing and developing credit scorecards (Essential).
  • Advanced Excel skills (Macros, Pivots, VLOOKUP, conditional formatting, etc.). VBA knowledge is beneficial.
  • Recent experience analyzing data using SAS/SQL, Alteryx, or similar tools (within the last 6 months).
  • Mathematical or finance-related degree or proven experience at a senior/lead analyst level.

What We Offer

  • Competitive annual salary, a performance-based annual bonus, and 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 and unlimited sim-card.

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