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Credit Risk Analyst

Any of our offices

Role OVO-View

Team: Performance & Insights

Salary banding:  £46,800 - £50,000

Contract type: OVO 

Experience: Mid-level

Working pattern: Full-Time 

Reporting to: Juan Pablo Cabezas, Analytics Manager 

Talent Acquisition contact: Laura McFarlane 

This role in 3 words: Credit Risk, Optimisation, Insight

Top 3 qualities for this role: Curious, Problem solver, Attention to detail

Closing date: Friday 20th November @ 5pm 

 

Your next OVO adventure:

At OVO, we recognise that great people are already working with us across all of our brands. Find out more below about whether this role might be the next part of your OVO adventure.

You may not have all of the skills and experience boxes ticked, but if you think you have much of what we’re looking for, then we’d love to hear from you.

 

Teamworking for the planet:

Everything we do here spins around Plan Zero. So, naturally, the team you’ll be joining plays a gigantic role in making that happen. Here’s how:

We're working to build and optimise credit risk and collections capability at OVO, with a particular emphasis on reducing the bad debt charge and delivering good customer outcomes.

 

This role in a nutshell:

This is an extremely exciting opportunity working across credit risk, collections and onboarding, where you will be able to make a real difference for our customers.

As a Credit Risk Analyst in customer operations & balances, you will be responsible for the effective management of key debt prevention strategies, processes, analytics and MI which underpin Onboarding, Customer Management and Collections operation, allowing us to manage risk within our risk appetite and drive reductions to debt balances whilst increasing revenue.

You’ll be working collaboratively with team members across customer operations & balances and the wider business to provide data and insight that supports decision making in our credit risk and collections landscapes to improve our business performance and customer outcomes.

 

Your key outcomes will be:

  • Using SQL and Python to generate insights and to lead initiatives that advance the department strategy and reduce portfolio risk.
  • Building and maintaining Tableau and Looker dashboards to monitor trends, track performance against targets, and assess key performance indicators.
  • Developing credit risk insights to identify optimisation opportunities, influence positive credit behaviours, and support decision-making across all stages of the credit risk lifecycle.
  • Designing and developing commercial and credit risk models, setting up A/B tests and conducting cost/benefit analysis to evaluate proposed solutions.
  • Reducing manual effort and improving efficiency through automation and process optimisation.
  • Solving business problems with a multidisciplinary approach and working in cross - functional teams.
  • Building and maintaining data pipelines to enable seamless data integration and accessibility.
  • Supporting team growth through peer reviews and promoting best practices.

 

You’ll be successful in this role if you…

  • Have proven experience in Credit Risk Analytics, Data Science or a similar analytical role, ideally within the financial services, utilities or energy sectors.
  • Are curious with strong problem solving skills.
  • Are highly numerate and analytical, with the ability to dive into detail while maintaining a strategic perspective.
  • Possess strong SQL skills and are confident in working with complex datasets, ideally experienced using Python or R for analytics.
  • Can confidently build, interpret and present meaningful data visualisations, while making logical business recommendations.
  • Are comfortable presenting analysis in an engaging way.
  • Have a solid understanding of statistical concepts such as sampling, significance testing, hypothesis testing, linear/logistic regression and normal distribution.
  • Have experience using or developing Probability of Default (PD) Models.
  • Are diligent about documentation and version control, ensuring your work can be easily understood and built upon by others.
  • Thrive in a fast-paced environment, effectively managing shifting priorities.
  • Have an understanding of core programming principles such as data types, lists, arrays, control flow and exception handling.
  • Have hands-on experience with technologies such as Google cloud, BigQuery, Github, Tableau and Looker.

 

What will happen next?

After you submit your application, our Talent Acquisition team will review your CV along with the hiring manager, and will come back to you with an update shortly.

Feel free to contact the relevant recruiter, detailed at the top of the advert, to discuss the role.

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We understand there might be times when you’d like to keep your application to a different role confidential, however we would encourage all internal applicants to have the conversation with their current People Leader about applying for another internal role as early as possible. It’s a great chance to have these open development conversations and it ensures ‘no surprises’ for your People Leader at the end of the process, if you’re successful in the role, as it will allow them to have the opportunity to potentially think about back-filling your position. Your People Leader will even be able to help you with interview prep and provide support during your application. 

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