Credit Risk Analyst 12 month FTC

TN United Kingdom; Glasgow; Hybrid; GBP 27,000 - 35,000; Full time

Job summary

An established industry player is seeking a dynamic Credit Risk Analyst to join their innovative team in Glasgow. In this pivotal role, you will analyze data to optimize connections while mitigating risks associated with fraud and bad debt. Your expertise in SAS and Excel will be crucial as you interpret trends and provide actionable insights to senior management. With a flexible hybrid work model, generous leave, and comprehensive benefits including private medical insurance, this opportunity not only promises professional growth but also a supportive work environment that values diversity and inclusion. If you're proactive and ready to make an impact, this role is for you.

Benefits

Private Medical Insurance

Life Assurance

Income Protection

Free Mobile Package

Unlimited SIM Card

28 Days Annual Leave

3 Personal Days

Flexible Allowance for Benefits

Qualifications

• Experience in data analysis within Financial Services or Telecoms.
• Ability to identify trends quickly and suggest solutions.

Responsibilities

• Collect and analyse data to support credit strategies and policies.
• Create custom code for data analysis and trend identification.

Skills

SAS

Excel

Data Analysis

Data Mining

Trend Analysis

Education

Experience in Financial Services or Telecoms

Advanced Excel Skills

Tools

Alteryx

Snowflake

SQL

Tableau

Job description

Company Description

Our Credit Risk Analysts are key to analysing our data to make sure we can maximise the number of connections onto our network, while highlighting risks and offering potential solutions.

Credit Risk plays a pivotal role in preventing applicants with a high propensity for Fraud or Bad Debt from connecting onto the network, while ensuring we take on as many connections as possible. You will be part of the team controlling the “First Bill Not Paid” rate for new connections, providing feedback on new device performance and areas for improvement, as well as reporting on the performance of our sales channels. This information is highly visible across the business and to our shareholders.

The successful candidate will use their SAS & Excel skills to proactively analyse, interpret trend information, and communicate key messages, while making robust recommendations to senior management. Outside-the-box thinking is essential!

To succeed, you’ll need to be a dynamic, flexible individual who embraces being a key team member. We seek proactive individuals who question and seek opportunities to improve, are self-motivated, and capable of maintaining high accuracy standards and meeting deadlines in our fast-paced environment.

Job Description

1. Proactively collect, analyse, and interpret information to support the development of credit strategies, policies, and processes.
2. Ability to create custom code to collect, analyse, and interpret data to understand key trends using data mining techniques is advantageous.
3. Use SAS to analyse project-specific data, assess campaign success, customer profiles, and impact on First Bill Not Paid.
4. Engage with team members to manage key performance objectives and challenge existing credit policies.
5. Perform regular and ad-hoc tasks, producing reports and presentations to support the Credit Risk team and communicate with senior management.

Qualifications

• Experience analysing and interpreting data within the Financial Services Sector or Telecoms Business.
• Ability to identify key trends/issues quickly and suggest solutions.
• Advanced Excel skills: Pivots, Vlookup, conditional formatting; VBA is a plus.
• Knowledge of Alteryx, Snowflake, SQL, and Tableau is desirable.

What you'll receive in return…

Competitive salary starting at £27,760, performance-based bonus, and a flexible allowance for benefits, pension contributions, or salary top-up.
Hybrid working: 2-3 days remote, 2-3 days in Glasgow office.
28 days annual leave + 8 bank holidays + 3 personal days (increases with service).
Private Medical Insurance, Life Assurance, Income Protection.
Free mobile package & unlimited SIM card.
And much more including wellbeing and development benefits!

Salary varies based on experience and role specifics.

Additional Information

We value diversity and inclusion. Our hybrid work model supports flexibility. Core hours are between 10:00 and 16:00, within operating hours of 08:00 to 18:30.