Junior Credit Analyst

Yü Group PLC; Leicester; On-site; GBP 30,000 - 33,000; Full time

Job summary

A UK-based energy supplier is seeking a Junior Credit Analyst to join their Commercial Team in Leicester. The successful candidate will be responsible for assessing credit worthiness, analyzing customer data, and building reports to support decision-making. Ideal applicants should possess strong analytical, organizational, and communication skills. A salary range of £30,000 - £33,000 per year is offered, along with generous benefits including annual leave and development opportunities.

Benefits

24 days annual leave + bank holidays

Holiday buy – up to 5 additional days

Day off on your birthday

Employee Assistance Programme

Annual salary review

Learning and development opportunities

Enhanced maternity and paternity policies

Long service recognition

Company sick pay

Qualifications

• Excellent problem solving, strategic thinking, and analytical skills.
• Fantastic organisational skills with high-level Excel proficiency.
• Strong communication and interpersonal skills.

Responsibilities

• Assess credit worthiness of business energy customer applications.
• Analyze data across customer portfolio to spot trends.
• Build and communicate insights for credit-risk decision making.

Skills

Analytical skills

Advanced Excel

SQL

Data Visualisation tools

Communication skills

Organisational skills

Problem solving

Teamwork

Tools

Power BI

Job description

Overview

We’re looking for an insightful and motivated junior credit analyst to join our growing Commercial Team. You’ll be part of an experienced Commercial Team responsible for providing credit-risk insight & analysis to support wider business objectives. You will develop meaningful credit reporting and create insights that support commercial credit risk decision making.

Reports to: Commercial Risk Manager

Location: Leicester LE3 5BZ

Working hours: Monday to Friday, 37.5 hours a week

You will be responsible for ensuring in-depth credit assessments are completed, and credit terms are acceptable to mitigate risk exposure for Yu Energy. Some mitigations may include security deposits and guarantor agreements. You may need to challenge various stakeholders when credit risk is apparent. You will complete due diligence and KYC checks using 3rd party software tools to verify our customers and support decisioning. You will analyse data across the customer portfolio to spot trends and identify opportunities for development. You will work closely with Sales, TPI, Debt, and Operations, and you will be a contact to support queries, decisioning reasoning and to act as a bridge between Yu Energy and 3rd party credit bureau relations.

You will be supported by another credit analyst and will report directly into the Commercial Risk Manager.

Department YUR - 2035 - Commercial

Employment Type Permanent - Full Time

Location Leicester

Workplace type Onsite

Compensation £30,000 - £33,000 / year

Reporting To Commercial Risk Manager

What We Need From Yü

Here’s a taste of what you’ll be doing:

• Assessing credit worthiness of business-energy customer applications
• Putting forward mitigations to reduce Yu Energy’s risk exposure
• Reviewing Credit Reports, financial statements, profit & loss and Balance sheets
• Assisting stakeholders with Queries / Support – managing an inbox and escalations
• Building and creation of insight, MI and data-driven reporting – including visuals, reports etc
• Support the Commercial Risk Manager to instil further governance around credit risk
• Actively build relationships cross departmentally, to enhance working relations
• Own & lead certain work initiatives, by driving & facilitating data-led insight & gaining approval for additional activity that may drive commercial benefits

About Yü

If you have what it takes you could be just what we’re looking for…

• Analytical - Excellent problem solving, strategic thinking and analytical skills
• Advanced Excel, SQL and experience of data Visualisation tools (i.e. Power BI) preferred
• Inquisitive – Being able to seek out information and not just accepting the first response
• Organised – Fantastic organisational skills
• Knowledgeable – Being able to use Excel to a high level to find patterns
• Confident - Would need confidence to report and challenge gaps found
• Team Player - You enjoy working closely with a team
• Great communicator – you have first-rate communication and interpersonal skills
• Self-Motivated – You are naturally motivated to deliver & give 100% in everything you do

Yü Come First

Benefits

• 24 days annual leave + bank holidays
• Holiday buy – up to 5 additional days
• Day off on your birthday
• Employee Assistance Programme
• Annual salary review
• Learning and development opportunities
• Enhanced paternity, maternity and adoption policies
• Yü made a difference Awards
• 3 days additional annual leave if you get married/civil partnership etc.
• Appointment allowance
• Long service recognition
• Refer a friend payment
• Company sick pay (subject to length of service)
• New modern facilities
• Death in service and critical illness cover
• Plus, many more

#YUIndeed

If you need any reasonable adjustments to help you apply for a role, please let us know and we will see what we can do.

About Yü Group

Yü Energy are one of the UK’s fastest growing business gas, electricity and water suppliers, supplying thousands of companies across the UK. On a mission to shake-up the UK business energy market, our winning combination of expert, personal service and competitive prices are specifically tailored to the needs of commercial customers.

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Junior credit analyst

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