Senior Credit Risk Analyst

TalkTalk Telecom; Salford; On-site; GBP 35,000 - 55,000; Full time

Job summary

Join a dynamic team as a Credit Risk Analyst at a leading telecom company in the UK. You will play a crucial role in shaping credit risk strategies and managing relationships to support effective decision-making. This is an opportunity to influence cost-effective debt recovery strategies while working in an inclusive and flexible work environment.

Qualifications

• Experience in credit risk analysis or a related field.
• Strong analytical skills with a focus on data-driven insights.
• Ability to manage relationships with stakeholders effectively.

Responsibilities

• Developing and updating credit risk scorecards and managing credit bureau partnerships.
• Managing a team to deliver effective credit risk decisions.
• Analyzing and improving acquisition strategies and operational processes.

Skills

Data analysis

Stakeholder management

Credit risk strategy

Problem solving

Job description

Join our team as a Credit Risk Analyst, where you’ll play a pivotal role in shaping our credit risk acquisition and in-life strategy. You’ll be at the heart of our operations, working closely with commercial and trading teams to deliver data-driven insights and execute decisions within our credit risk policy. This role offers the opportunity to manage relationships with credit bureau partners and external data stakeholders, contributing to our cost-effective debt recovery strategy.

Key responsibilities include:

1. Developing and updating credit risk scorecards in line with product and package offerings.
2. Building relationships with key stakeholders across the business to ensure a cohesive approach to risk.
3. Supporting the development of a broader Debt & Fraud predictive model to enhance our end-to-end strategy.
4. Managing a small team of credit underwriters to deliver effective decisions on non-automated credit risk cases.
5. Continuously developing credit risk acquisition and in-life strategies.
6. Supporting commercial and trading teams with data-driven guidance on financial risk and executing related decisions.
7. Managing credit bureau partnerships, assessing and integrating new products and data opportunities based on business value.
8. Ensuring credit scorecards are regularly updated to reflect product changes, enabling detailed performance reporting.
9. Identifying ways credit risk insights can support cost-effective debt recovery improvements.
10. Managing external data stakeholders to enhance modeling capabilities and monitor model performance against expectations.
11. Providing detailed project requirements to mitigate financial risk during changes.
12. Analyzing acquisition strategies and operational processes to improve customer management and suggest practical improvements.
13. Owning and assessing the company’s Credit Acquisition scorecard to optimize predictive power using internal and external data sources.
14. Supporting strategic changes, working with change teams to ensure successful implementation and measurement.
15. Collaborating with stakeholders across departments to clarify processes, set objectives, and ensure a unified risk approach.
16. Producing and developing analyses related to consumer acquisition, debt, churn, and operational performance.
17. Supporting the development of wider Debt & Fraud predictive models for end-to-end strategy enhancement.
18. Working with Finance teams on OPEX, budgets, churn, and cash flow forecasting.
19. Providing statistical data to PM teams for reporting and strategic projects.
20. Delivering insights related to credit bureau data.
21. Maintaining audit standards in all work, including process documentation and report development.

Credit Risk Operations:

• Manage a small team of credit underwriters, ensuring effective decision-making on non-automated credit risk cases.

We are a recognized Top 50 Inclusive Employer in the UK, committed to diversity, reflecting our communities and customers. Inclusion is part of our culture; we value authenticity and a workplace where everyone can be themselves.

Our work environment is dynamic and flexible—we’re interested in discussing how you prefer to work.