Credit Risk Analyst 12 month FTC

Three; Glasgow; Hybrid; GBP 27,000 - 33,000; Full time

Job summary

Three is seeking a Credit Risk Analyst in Glasgow. This role requires proactive analysis using SAS and advanced Excel skills to identify trends and improve credit policies. With a competitive salary, hybrid working, and numerous benefits, this position offers a dynamic environment for personal and professional growth.

Benefits

28 days annual leave plus bank holidays and personal days

Private Medical Insurance

Free mobile phone package

Qualifications

• Experience in Financial Services or Telecoms.
• Advanced skills in Excel (Pivots, Vlookup).
• Knowledge of data analytics tools is beneficial.

Responsibilities

• Collect, analyse, and interpret information to support credit strategies.
• Use SAS for data analysis and communication of results.
• Prepare reports and presentations for senior management.

Skills

Analysing and interpreting data

SAS

Excel

Data mining techniques

Tools

SQL

Tableau

Alteryx

Snowflake

Job description

Social network you want to login/join with:

col-narrow-left

Client:

Three

Location:

Glasgow, United Kingdom

Job Category:

Other

-

EU work permit required:

Yes

col-narrow-right

Job Reference:

e8e0311a417c

Job Views:

13

Posted:

17.06.2025

Expiry Date:

01.08.2025

col-wide

Job Description:

Company Description

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

Credit Risk is pivotal in stopping applicants with a high propensity to be Fraud or Bad Debt connecting onto the network, whilst ensuring we take on as many connections as possible. You will be part of the team which controls the “First Bill Not Paid” rate for new connections, feeds back on new device performance and where we could improve, together with reporting on the performance of our various sales channels. All highly visible across the business and to our shareholders.

The successful candidate will perform a key role in this by using their SAS & excel skills to pro-actively analyse, interpret trend information and convey key messages while at the same time in also making robust recommendations to senior management. Outside the box thinking is a must!

To succeed in this role you’ll need to be a dynamic and flexible individual that embraces being a key member of the team. We’re looking for people that will constantly question and look for opportunities to improve, a self-motivated individual who is capable of achieving a high standard of accuracy and achieving deadlines within our fast paced business.

Job Description

• Proactively collect, analyse and interpret information to support the development of credit strategies, policies and processes.
• An ability to create your own code to collect, analyse and interpret information to understand key trends using data mining techniques would be an advantage.
• Use SAS to analyse project specific data, to proactively assess and communicate campaign success, customer profiles and impact on First Bill Not Paid.
• Engage with team members to manage the key performance objectives and challenge existing credit policies.
• Perform regular and ad-hoc tasks, and produce reports and presentations as required that will contribute to the successful operation of the Credit Risk team and core messaging to senior management.

Qualifications

• Analysing and interpreting data either within a Financial Services Sector or within Telecoms Business.
• Able to identify key trends/issues quickly and suggest viable solutions
• Advanced Excel skills: Pivots, Vlookup, conditional formatting etc. VBA beneficial
• Knowledge of Alteryx, snowflake, SQL and Tableau would be ideal.

What you'll receive in return…
Competitive annual salary, a performance based annual bonus & 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 our Glasgow Office (2-3 days a week)
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 & unlimited sim-card
.... Plus lots more including wellbeing and learning & development benefits!

Salary range for this role start's at £27,760. Exact salary will differ by job and experience

Additional Information

.

Our people make us who we are. We’re a diverse and inclusive bunch, and it’s important you can feel you belong here. We value everybody for who they are and what they bring to the table, supporting one another as we continue to deliver for our customers.

At Three we have a hybrid working arrangement in place as standard for office based employees, where employees work from a mix of office based location and working from their home in the UK to carry on their role.

Excluding retail, core hours at Three are between 10:00 and 16:00, with operating hours between 08:00 & 18:30. This allows employees to have a start time between 08:00 and 10:00 and finish time between 16:00 and 18:30.