Credit Risk Analyst in Bristol

Reporting to: Credit Risk Analytics Lead

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

Top 3 qualities for this role: Curious, problem solver, attention to detail

Where you’ll work: Depending on the needs of your business area, we expect hub based people to be in the office at least once a week, and to go to OVO Connection events in-person. You’ll be assigned to the closest one of our three hub offices, Bristol, Glasgow, or London; unless your role requires field-based work. Each hub has accessible spaces to park your laptop, is designed to inspire people, help them connect and bring big ideas to life.

Everyone belongs at OVO. At OVO, we are on a mission to solve one of humanity's biggest challenges, the climate crisis. And we know it takes all of us to change the world. That's why we need diverse people from all abilities, gender identities, ethnicities, ages, sexual orientations, life experiences and backgrounds to join us.

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 a successful Credit Risk Analyst here at OVO 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 hand‑on experience with technologies such as Google cloud, BigQuery, Github, Tableau and Looker.

Compensation and benefits: We’ll pay you between £46,000 and £52,000, depending on your specific skills and experience. You’ll be eligible for an on‑target bonus of 15%. We also offer plenty of green benefits and progressive policies to help you feel like you belong at OVO.

Benefits taster:

• Holiday: 34 days of holiday (including bank holidays).
• Health: Benefits like a healthcare cash plan or private medical insurance depending on your career level, critical illness cover, life assurance, health assessments, and more.
• Wellbeing: Gym membership, travel insurance, workplace ISA, will writing services, dental insurance, and more.
• Lifestyle: Extra holiday buying, discount dining, home & tech loans, and supporting your favourite charities with give‑as‑you‑earn donations.
• Home: Get up to £400 towards any OVO Energy plan, plus great discounts on solar, smart thermostats and EV chargers.
• Commute: Great deal on ultra‑low emission car leasing, plus our cycle to work scheme and public transport season ticket loans.

For your Belonging: To find better ways to support our people, we need to listen to each other's experiences and find ways to build a truly inclusive and diverse workplace. As part of this, we have 8 Belonging Networks at OVO. Led by our people, for our people – so when you join OVO, you can play a part – big or small – with any of the Networks. It's up to you.