Credit Risk Insight Analyst

Virgin Media; Manchester; On-site; GBP 40,000 - 60,000; Full time

Job summary

Virgin Media O2 is seeking a Credit Risk Insight Analyst to enhance its Credit Risk team. This role involves analyzing credit risk metrics, working with consumer credit data, and leading initiatives in a fast-paced environment. The ideal candidate should possess strong analytical skills and experience in consumer lending.

Qualifications

• Proficiency in Credit Risk management using SQL, GCP, and Tableau.
• Prior experience in consumer lending within a credit risk function.
• Ability to analyze complex systems and develop strategies.

Responsibilities

• Provide Credit Risk insights across consumer base.
• Manage and evaluate decisioning strategies.
• Deliver strong insights through ad hoc analysis.

Skills

Credit Risk management

Analytical skills

Business problem-solving

Tools

SQL

GCP

Tableau

Powercurve

Job description

Virgin Media O2 is expanding its Credit Risk team, and an exciting opportunity has arisen for a Credit Risk Insight Analyst to join the team.

The role involves providing Credit Risk insights across our new and existing consumer base. This includes diving into Credit Risk metrics, creating and maintaining management information that forms the core of our Credit Risk Strategies. The analyst will deliver strong insights through ad hoc analysis, identifying emerging trends, and highlighting potential areas for improvement to keep us ahead in the industry.

The successful candidate will be able to quickly adapt to a fast-moving, innovative, and high-profile environment and will be expected to hit the ground running. Prior experience in consumer lending within a credit risk function is a prerequisite. The role involves managing and evaluating decisioning strategies, with candidates expected to set direction and lead initiatives while maintaining a hands-on approach.

Who we are

The UK’s fastest broadband network, the nation’s best-loved mobile brand, and one of the UK’s biggest companies.

We have diverse, high-performing teams filled with talented individuals. Together, we offer the UK more choice and better value, driven by our boundary-pushing, customer-centric values and ambitions.

We are Virgin Media O2, and we look forward to seeing what you can do.

Accessible, inclusive, and equitable for all

Virgin Media O2 is an equal opportunities employer committed to removing bias and barriers for our people and candidates. We embed equity and inclusion into all aspects of our work, from policies to relationships. We support and encourage you to be your authentic self throughout your application journey with us.

The must-haves

• Proficiency in Credit Risk management using tools such as SQL, GCP, Tableau
• Knowledge of loan portfolios and risk exposure assessment
• Understanding of translating analysis into strategic changes
• Experience with consumer credit data services — Bureau, Affordability, Behavioral
• Strong analytical and business problem-solving skills; ability to understand complex systems and develop strategies

The other qualities we value

• Experience with Credit Risk decisioning systems like Powercurve
• Exposure to the Telecommunications sector and/or Retail Finance
• Ability to work cross-functionally for the production of Credit Risk MI
• Exposure to ML modeling techniques

What’s in it for you

We aim to celebrate our people and create a culture that empowers everyone to bring their best selves to work daily. We believe that an inclusive and diverse culture makes for a better business and a brighter world.

At Virgin Media O2, you’ll receive a comprehensive reward package with numerous benefits and additional options to support you and your loved ones, ensuring you’re covered no matter what life brings.