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Lead Credit Risk Specialist
2 months ago
About the Role
We are seeking a highly skilled Credit Risk Analyst to join our team at Three. As a key member of our credit risk management team, you will play a crucial role in ensuring the financial health of our organization while maintaining a positive customer experience.
Key Responsibilities
- Develop and maintain 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.
About Us
We are a dynamic and innovative company committed to managing credit risk effectively. We value diversity and inclusion, and we're committed to growing a diverse workforce. We're a Disability Confident Committed Employer and welcome applications from candidates with disabilities.
