At a Glance
- Tasks: Lead the design and validation of credit risk scorecards for BT's customer portfolios.
- Company: Join BT, a leader in telecommunications with a focus on innovation.
- Benefits: Enjoy a competitive salary, flexible working, and tailored benefits to suit your lifestyle.
- Other info: Gain exposure to senior leaders and enhance your career in a dynamic environment.
- Why this job: Make a real impact on credit decisions while working on a high-profile transformation programme.
- Qualifications: Experience in credit risk scorecard development and data analytics is essential.
The predicted salary is between 60000 - 75000 £ per year.
Locations - Manchester, Bristol or London
Hybrid working - 3 days in the office, 2 days working from home
About the role
You will take ownership of the design, development and validation of credit risk scorecards across both acquisition and existing customer portfolios, supporting BT’s transition to more sophisticated, customer‑level risk assessment. This includes setting the strategic direction for associated policy rules, ensuring they work coherently with the models, meet responsible lending standards, and remain aligned with BT’s risk appetite and regulatory obligations.
You will lead the full lifecycle of model delivery, from robust data design and sourcing, including credit reference agency activity, through to technical implementation with BT’s systems teams to ensure accuracy, stability and strong governance. You will also develop automated monitoring and diagnostic tools to track performance, identify emerging risks and enable timely remediation, while acting as a subject matter expert on the safe and effective use of open banking data to enhance modelling capability.
This work sits at the heart of a major strategic priority for BT and requires deep modelling expertise and sustained analytical focus. By owning this agenda, you will help deliver fairer, more consistent credit decisions, reduce operational risk and strengthen the foundations for long‑term growth. The six‑month assignment offers hands‑on involvement in a high‑profile transformation programme, with exposure across multiple functions and regular engagement with senior leaders, making it a strong opportunity for an experienced credit risk modeller seeking visible, meaningful impact.
What you’ll be doing
- Lead data extracts and retrospectives for scorecard development, liaising with credit reference agencies
- Design, build and validate acquisition and existing customer credit risk scorecards, with regular updates to senior management
- Own the development, testing and optimisation of associated credit risk policy rules
- Manage end‑to‑end scorecard implementation within BT systems, working closely with systems teams
- Build and automate monitoring packs to assess scorecard stability, accuracy and discriminatory power
- Act as a credit risk subject matter expert, including advising on open banking developments
- Produce model and policy documentation in line with FCA requirements for regulated products
Essential Skills / Experience
- Experience in building and validating credit risk scorecards across both acquisition and existing customer portfolios, alongside the development of associated credit risk policy rules within a credit risk function.
- Experience owning credit reference agency (CRA) data analytics within large, complex projects
- Proven experience leading the implementation of credit risk scorecards within decisioning systems
Desirable Skills / Experience
- Proficient in SAS for model development and management information (MI) automation
- Strong proficiency in Excel and PowerPoint
- Experience with Open Banking and PSD2 frameworks
- Experience leading analytical and project implementation teams
Our Package
Tailored benefits make a real difference. That’s why we offer a comprehensive range to support your growth, wellbeing, and everyday life. You can design the package to suit you and your lifestyle.
Your core benefits include:
- 10% on target annual bonus
- Access to an online private GP 24/7 for you and your immediate family
- Market‑leading paid carers leave with up to 2 weeks off
- Equalised maternity, paternity, and adoption leave – 18 weeks’ full pay and 8 weeks’ half pay
- Discounted EE and BT products, including mobile and broadband
- Market leading Pension scheme – 5% from you and 10% from us
- Holiday purchase scheme
You can select additional benefits, including healthcare, dental, gym memberships and more when you’re ready.
Credit Risk Analytics Lead - 6 Month Contract in Bristol employer: 慨正橡扯
BT is an exceptional employer that prioritises employee growth and wellbeing, offering a hybrid working model that promotes work-life balance. With a comprehensive benefits package tailored to individual needs, including generous parental leave and access to private healthcare, employees are supported in both their professional and personal lives. This role provides a unique opportunity to lead impactful projects within a high-profile transformation programme, fostering collaboration with senior leaders and enhancing analytical skills in a dynamic environment.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analytics Lead - 6 Month Contract in Bristol
✨Tip Number 1
Network like a pro! Reach out to people in the credit risk field on LinkedIn or at industry events. A friendly chat can lead to insider info about job openings that aren’t even advertised yet.
✨Tip Number 2
Prepare for interviews by brushing up on your technical skills and understanding of credit risk scorecards. We recommend practising common interview questions and having examples ready that showcase your experience with model delivery and data analytics.
✨Tip Number 3
Don’t forget to follow up after interviews! A quick thank-you email can keep you top of mind and show your enthusiasm for the role. Plus, it’s a great chance to reiterate why you’re the perfect fit for the Credit Risk Analytics Lead position.
✨Tip Number 4
Apply through our website for the best chance of landing that dream job! We love seeing applications directly from candidates who are genuinely interested in joining our team and making an impact in the credit risk space.
We think you need these skills to ace Credit Risk Analytics Lead - 6 Month Contract in Bristol
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Credit Risk Analytics Lead. Highlight your experience with credit risk scorecards and any relevant projects you've led. We want to see how your skills align with what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk analytics and how you can contribute to BT's transformation. Keep it engaging and personal – we love to see your personality come through.
Showcase Your Technical Skills:Don’t forget to mention your proficiency in SAS, Excel, and any experience with Open Banking frameworks. We’re keen on candidates who can hit the ground running, so make sure these skills are front and centre in your application.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, you’ll find all the details you need about the role and our company culture there!
How to prepare for a job interview at 慨正橡扯
✨Know Your Scorecards
Make sure you brush up on your knowledge of credit risk scorecards. Be ready to discuss your experience in building and validating them, especially for both acquisition and existing customer portfolios. Highlight specific projects where you've led the implementation and how you ensured they met regulatory standards.
✨Data is Key
Since this role involves a lot of data design and sourcing, be prepared to talk about your experience with credit reference agency data analytics. Bring examples of how you've managed data extracts and retrospectives in previous roles, and how that contributed to successful scorecard development.
✨Showcase Your Technical Skills
Familiarise yourself with SAS, Excel, and PowerPoint, as these tools are crucial for model development and management information automation. Be ready to discuss how you've used these tools in past projects, particularly in automating monitoring packs or assessing scorecard performance.
✨Engage with the Bigger Picture
This role is part of a major strategic priority for BT, so demonstrate your understanding of how credit risk modelling fits into broader business objectives. Discuss your experience in leading analytical teams and how you've contributed to fairer credit decisions and reduced operational risks in previous roles.
