Credit Performance and Insights Lead

We are looking for a Credit Performance and Insights Lead to join our Portfolio Management team - a key function within Credit Risk, responsible for understanding and forecasting the financial health of the customer base. This is a pivotal role responsible for shaping how we understand, measure and improve the performance of debt prevention and collections strategies. You'll design and embed metrics that bring portfolio quality and debt lifecycle performance to life, ensuring our strategies are underpinned by robust insights. By combining analytical depth with commercial understanding, you'll help senior stakeholders make informed data-led decisions to manage risk and limit exposure across the portfolio.

This role is ideal for someone with strong technical skills who enjoys connecting the dots between data, performance and strategy. Someone who has already built a solid foundation in credit analytics - perhaps an experienced senior analyst who is looking to step into a role with greater strategic influence. It needs someone who can operate beyond producing analysis and can shape how performance is measured, understood and improved. You'll be naturally curious, commercially minded and enjoy working with a broad group of stakeholders.

Here's a taste of what you'll be doing

• Designing and maintaining a comprehensive performance metrics framework for portfolio quality, debt prevention and collections effectiveness across the residential and SME portfolios
• Building automated dashboards with compelling data visualisations to highlight risk and pinpoint where action is needed
• Conducting deep-dive analysis to explain changes in performance and root causes of risk then outlining the strategic or operational interventions required to remedy
• Presenting key insights and performance updates to senior leaders through established credit management forums, influencing decision making and shaping strategic priorities
• Collaborating with stakeholders to define success measures for new initiatives and evaluate their impact over time
• Ensuring alignment of KPIs and reporting standards across Credit Risk, Finance and Operations

Are we the perfect match?

• Proven experience in credit risk portfolio management or portfolio performance analytics within utilities or financial services
• Strong analytical background with advanced SQL and/or Python for data manipulation and proficiency with data visualisation tools (ideally Tableau) for dashboarding
• Strong understanding of credit lifecycle processes, particularly collections and debt management with knowledge of industry standard metrics e.g roll rates, liquidation, BDC
• Excellent communication and data visualisation skills with the ability to translate complex data into business friendly insights with actionable recommendations
• Experience in deep-dive analysis, root cause identification and analytical storytelling
• A degree (or equivalent experience) in a quantitative discipline such as statistics, mathematics, economics or data science

It would be great if you had

• Experience working with Databricks
• Understanding of macroeconomic and market drivers affecting customer affordability and credit risk
• Prior experience working across both residential and commercial consumer bases
• Experience working with credit bureau data

Here's what else you need to know:

• Role may close earlier due to high applications.
• Competitive salary
• Location – Nottingham E.ON Next office, Trinity House, 2 Burton St, Nottingham NG1 4BX - with travel to our other sites when required.
• Excellent parental leave allowance.
• Award-Winning Workplace - We're proud to be named a Sunday Times Best Place to Work 2025 and the Best Place to Work for 16–34-year-olds
• Outstanding Benefits - Enjoy 26 days of annual leave plus bank holidays, a generous pension, life cover, bonus opportunities and access to 20 flexible benefits with tax/NI savings
• Flexible & Family-Friendly - Our industry-leading hybrid and family-friendly policies earned us double recognition at the Personnel Today Awards 2024. We're open to discussing how flexibility can work for you
• Inclusive & Diverse - We're the only energy company in the Inclusive Top 50 UK Employers. We're also proud winners of Best Employer for Women and Human Company of the Year—recognising our inclusive, people-first culture
• Support at Every Stage of Life - We're Fertility Friendly and Menopause Friendly accredited, with inclusive support for everyone
• Accessible & Supportive - Do you consider yourself as having a disability? As a Disability Confident Employer, we guarantee interviews for disabled applicants who meet the minimum criteria for the role and will make any adjustments needed during the process
• Invested in Your Growth - From inclusive talent networks to top-tier development programmes, we'll support your growth every step of the way
• For all successful candidates. Due to the nature of this role your employment will be subject to a basic DBS (Disclosure Barring Service) check being carried out by ourselves via a 3rd party service provider