Senior Credit Risk Analyst

Team: Customer Operations & Balances

Salary banding: £52,000 - £58,000

Experience: Mid-level

Reporting to: Credit Risk Analytics Lead

Sponsorship: Unfortunately we are unable to offer sponsorship for this role.

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.

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. 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 to work across credit risk, collections and onboarding, where you'll be able to make a real difference for our customers. As a Senior 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, providing constructive feedback to junior members, and promoting best practices.

You’ll be a successful Senior Credit Risk Analyst here at OVO if you…

• Have proven and demonstrable experience in Credit Risk Analytics, Data Science or a similar analytical role, ideally within the financial services, utilities or energy sectors.
• 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 to senior management in an engaging way, with experience of working with internal and external stakeholders.
• 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.
• Have led collaborative sessions, such as meetings and workshops, to drive team alignment and decision‑making.
• 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.

Let’s talk about what’s in it for you: We’ll pay you between £52,000 and £58,000, depending on your specific skills and experience. We keep our pay ranges broad on purpose to give us, and you, flexibility to match your experience to our zero carbon mission. You’ll be eligible for an on‑target bonus of 15%. We have one OVO bonus plan that focuses on the collective performance of our people to deliver our Plan Zero goal. We also offer plenty of green benefits and progressive policies to help you feel like you belong at OVO…and there’s flex pay. We'll give you 9% Flex Pay on top of your salary – 4% of this is auto enrolled into your pension, and the remaining 5% is yours to do what you like with. You can use this to buy from our extensive range of flexible benefits, including our green benefits which we've put at the heart of our offering, add to your pension or even take it as cash.

Here’s a taster of what’s on offer:

• For starters, you’ll get 34 days of holiday (including bank holidays).
• For your health: With benefits like a healthcare cash plan or private medical insurance depending on your career level, critical illness cover, life assurance, health assessments, and more.
• For your wellbeing: With gym membership, travel insurance, workplace ISA, will writing services, dental insurance, and more.
• For your lifestyle: With extra holiday buying, discount dining, home & tech loans, and supporting your favourite charities with give‑as‑you‑earn donations.
• For your home: Get up to £400 towards any OVO Energy plan, plus great discounts on solar, smart thermostats and EV chargers.
• For your commute: Nab a 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.

Oh, and one last thing... We’d be thrilled if you tick off all our boxes, yet we also believe it’s just as important we tick off all of yours.