Senior Credit Risk Manager

3 days ago

Greater Manchester, United Kingdom TalkTalk Telecom Group PLC Full time
Senior Credit Risk Analyst

We are seeking a highly skilled Senior Credit Risk Analyst to join our team. As a key member of our operations, commercial, and trading teams, you will play a pivotal role in shaping our credit risk acquisition and in-life strategy.

Key Responsibilities:
  • Develop and update credit risk scorecards in line with product and package offerings.
  • Build relationships with key stakeholders across the business to ensure a cohesive approach to risk.
  • Support the build of a wider Debt & Fraud predictive model to increase effectiveness in end-to-end strategy.
  • Manage a small team of credit underwriters, delivering effective decisioning on non-automated credit risk decisions.
Credit Risk Analysis:
  • Responsible for the continuous development of credit risk acquisition and in-life strategy.
  • Support commercial & trading teams by delivering data-driven guidance on the financial risk of propositions and executing commercial decisions within credit risk policy.
  • Manage credit bureau partner, ensuring new products and data opportunities are assessed and integrated subject to business value.
  • Ensure acquisition & in-life credit risk scorecards are continuously & accurately updated with changing product & package offerings, enabling detailed reporting on product/package performance.
  • Identify and develop ways the credit risk insight can support the continuous improvement of our cost-effective debt recovery strategy.
  • Manage external data stakeholders and suppliers to improve modelling capabilities and measure the performance of existing models vs expectation.
  • Provide detailed requirements into projects impacting credit risk, ensuring changes are delivered while protecting the business from financial risk.
  • Provide analysis on acquisition credit strategy & operational processes and use it to build models to improve the effectiveness of the company's customer management processes and provide practical considered improvements.
  • Own the company's Credit Acquisition scorecard and ensure regular assessment of predictive power and utilisation of internal & external data sources (bureau characteristics) to improve our decision and debt risk strategy.
  • Build relationships with key stakeholders across the business (Finance, Change, Trading, etc.) to ensure clarity of process, clear and tangible objectives, and a cohesive approach to risk.
  • Produce and develop analysis in line with the business requirements, with regard to consumer acquisitions, debt, churn, and related operational performance.
  • Support the build of a wider Debt & Fraud predictive model to increase effectiveness in E2E strategy (including collections, DCA, Debt Sale).
  • Work cooperatively with the Finance teams in regards to OPEX, Budgets, churn, and cash forecasting.
  • Provide statistical information/data to the PM teams to assess reporting and operational needs for strategic projects.
  • Support/Deliver insight to credit bureau(s).
  • Complete all work to audit level standards including process flow, procedures, and development documentation of all reports and analysis undertaken.
Credit Risk Operations:
  • Validate payment performance data & bureau submission monthly.
  • Manage a small team of credit underwriters, delivering effective decisioning on non-automated credit risk decisions.

We are committed to creating an inclusive workplace that reflects the diversity of our customers and communities. If you're passionate about making a difference, we want to hear from you.

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