Credit Risk Analyst

Adecco; Easter Howgate; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading energy service company is seeking a Credit Risk Analyst for a 6-month contract based in either Stockport or Edinburgh. The role involves analyzing customer behavioral data, evaluating collections strategies, and serving as an expert in analytical tools. Ideal candidates have strong credit risk experience, excellent analytical skills, and are self-motivated. The role offers hybrid working with 2-4 days a month in the office.

Qualifications

• Experience in Credit Risk, ideally within a regulated industry.
• Strong knowledge of Credit Reference Agencies.
• Experience in the Energy sector is advantageous.
• Proven ability to translate complex datasets into actionable insights.
• Excellent verbal and written communication skills.
• Self-motivated and proactive.

Responsibilities

• Analyse customer behavioural data to identify trends.
• Evaluate collections strategies to provide actionable insights.
• Detect early warning indicators of potential risks.
• Serve as the analytical tools expert across teams.
• Develop reports that explain debt performance.
• Present findings to senior stakeholders.

Skills

Credit Risk expertise

Analytical skills

Communication skills

Proficiency in Databricks

Proficiency in Python

Proficiency in SQL

Proficiency in Power BI

Expert-level skills in Excel

Job description

Job Role: Credit Risk Analyst

Location: Stockport or Edinburgh (Hybrid working: 2-4 days/month in office)

Contract Length: 6 months (Possible Extension)

Daily Rate: £500 per day (Inside IR35 via Umbrella)

Are you a technically strong Credit Risk Analyst with a passion for turning complex data into strategic insight? We're recruiting for a contract opportunity within a leading UK energy provider's residential collections team, where you'll play a pivotal role in shaping a newly formed credit risk function.

The Role

You'll be the subject matter expert in credit risk, helping to build out a best-in-class capability from the ground up. Working alongside a team of skilled analysts, your focus will be on interpreting credit reference agency data and internal behavioural datasets to identify risk patterns, inform strategy, and support compliance requirements.

This is a hands-on, strategic role requiring deep analytical expertise and the ability to upskill others through collaboration and mentoring.

Key Responsibilities

• Analyse customer behavioural data to identify emerging trends and patterns.
• Evaluate current collections strategies to uncover weaknesses and provide actionable insights that drive performance improvements.
• Detect early warning indicators of potential risks and opportunities, enabling proactive intervention through advanced data analysis.
• Serve as the go-to expert for analytical tools and techniques across the Credit Risk and wider debt teams.
• Develop and deliver insightful reports that explain historical debt performance and inform strategic decisions.
• Lead and contribute to regular Credit Risk meetings, presenting findings and recommendations to senior stakeholders, including director-level audiences.

Essential Skills & Experience

• Experience in Credit Risk, ideally within a regulated industry.
• Strong knowledge of Credit Reference Agencies and the ability to leverage their data for impactful analysis.
• Experience in the Energy sector is advantageous but not essential.
• Advanced proficiency in analytical platforms such as Databricks, Python, SQL, and Power BI, with expert-level skills in Microsoft Excel.
• Proven ability to translate complex datasets into clear, actionable insights for senior leadership.
• Excellent communication skills, both verbal and written, with the ability to tailor messaging to different audiences.
• Self-motivated and proactive, capable of delivering high-quality analysis with minimal supervision.
• Demonstrates leadership qualities and sound judgment in selecting analytical approaches.

Please note: Due to the high volume of applications, only successful candidates will be contacted. If you do not hear from us within 48 hours, unfortunately, your application has not been successful on this occasion. However, we may retain your details for any future suitable vacancies and contact you accordingly.

Adecco is an employment consultancy. We put expertise, energy, and enthusiasm into improving everyone's chance of being part of the workplace. We respect and appreciate people of all ethnicities, generations, religious beliefs, sexual orientations, gender identities, and more. We do this by showcasing their talents, skills, and unique experience in an inclusive environment that helps them thrive. If you require reasonable adjustments at any stage, please let us know and we will be happy to support you.