At a Glance
- Tasks: Lead credit risk analysis and improve processes using AI in a dynamic team.
- Company: Join a forward-thinking company committed to diversity and inclusion.
- Benefits: Enjoy hybrid working, competitive salary, and opportunities for professional growth.
- Other info: Be part of a supportive environment with excellent career advancement opportunities.
- Why this job: Make a real impact on credit risk management while developing your skills.
- Qualifications: Experience in data analysis, stakeholder management, and strong communication skills.
The predicted salary is between 40000 - 50000 £ per year.
The Senior Credit Risk Analyst plays a pivotal role within the Mobile Credit Risk team, acting as a key point of expertise and escalation, supporting our Retail, Direct and Online Mobile PostPay business.
Top Responsibilities
- Oversee critical regulatory credit data submissions ensuring accuracy and timeliness is within industry guidelines.
- Manage offshore Credit Referral lifecycle processes, driving third‑party supplier performance against agreed KPIs, identify areas of improvement and improved resource management.
- Maintain supplier relationships with our credit data partners.
- Actively contribute to the continuous improvement of our credit checking processes & risk management, driving automation through the use of AI.
Reporting & Data Management
- Audit, approve, and submit automated monthly insight files to credit bureaus, covering approximately 2.7 million records.
- Maintain accuracy and integrity of all credit‑related data submissions and reporting outputs.
- Manage the creation of regular SIMO risk files for automated pre‑approval & debt prevention processes.
- Collate and produce and enhance daily, weekly, and monthly credit checking reports (where not managed offshore), using automation through AI.
- Identify missing risk‑codes and tariffs to ensure decision accuracy.
Offshore Outsource Management (JML)
- Manage all Joiners, Movers, and Leavers (JML) processes for offshore outsourced agents across Vodafone & iD Mobile (Concentrix).
- Administer system access provisioning and de‑provisioning across SuccessFactors, Citrix, and relevant third‑party systems.
- Deliver training to outsource teams on Credit Referral processes and procedures.
- Act as an escalation point for iD Mobile and Vodafone outsource teams.
- Act as the primary liaison between Retail, Direct and Online teams for all credit‑related queries and escalations.
- Serve as a key point of contact with data suppliers and internal support teams for change management and incident resolution.
- Support the CEO Complaints team with credit‑related escalations and Subject Access Request (SAR) requests.
- Manage Retail Medic requests to ensure responses within SLA.
Project & Product Support
- Provide guidance and subject matter expertise across all credit‑related products and projects.
- Support the release and testing of scorecard change processes.
- Support internal testing requirements following IT system changes.
- Consult on and develop initiatives to improve credit checking processes, including automation, debt control, and risk management.
- Submit Purchase Orders (POs) and manage associated payment queries.
- Challenge third‑party data partners to ensure they deliver value‑for‑money, ensure charging accuracy and challenge where overcharging occurs.
Senior Cover & Availability
- Provide cover and support to the Senior Credit Risk Manager during periods of absence and annual leave.
- Maintain availability on a 7/365 basis (in conjunction with the SCRM) to respond to emergency queries and escalations from Retail, Direct and Online teams and third‑party providers.
Skills & Experience Required
- Experience of providing solutions and analysing data.
- Experience of managing stakeholders at all levels.
- Experience with data visualisation, dashboards, PowerBI & AI.
- High attention to detail and accuracy.
- Strong commercial acumen.
- Good communicator able to build strong relationships with third‑party suppliers & vendors.
Every voice has a space at our table and we’re committed to making inclusion and diversity part of everything we do, including how we strengthen our workforce. We want to make sure you have a fair opportunity to show us your talents during our application process so if you need any additional assistance with your application please email careers@currys.co.uk and we’ll do our best to help.
Senior Credit Analyst employer: Currys
As a Senior Credit Analyst at our Waterloo location, you will thrive in a dynamic hybrid working environment that champions innovation and collaboration. We offer a supportive work culture that prioritises employee growth through continuous learning opportunities and a commitment to diversity and inclusion. Join us to be part of a forward-thinking team that leverages cutting-edge technology, including AI, to enhance credit risk management while enjoying the benefits of a flexible work-life balance.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Analyst
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Currys. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Credit Analyst
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Currys.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Currys's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Currys
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Currys.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Currys will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Currys employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
