At a Glance
- Tasks: Shape data-driven decisions in credit risk systems and strategies for sustainable growth.
- Company: Join Virgin Media O₂, a leader in connectivity and an inclusive employer.
- Benefits: Enjoy Bupa healthcare, generous holiday, and exclusive discounts on broadband and mobile.
- Other info: Flexible-first organisation with a focus on collaboration and employee wellbeing.
- Why this job: Make a real impact in a dynamic role that drives continuous improvement and innovation.
- Qualifications: Strong analytical skills and experience with SQL, SAS, or similar tools required.
The predicted salary is between 40000 - 50000 £ per year.
This job is with Virgin Media O₂, an inclusive employer and a member of my Gwork – the largest global platform for the LGBTQ+ business community.
Please do not contact the recruiter directly.
As a Credit Risk System and Strategy Analyst, you will help shape how data driven decisions are made across our consumer credit portfolio.
You will support the development and optimisation of credit risk systems and strategies, helping to balance risk and reward while enabling sustainable growth across Virgin Media O2 Fixed and Consumer Mobile.
Working closely with Credit Risk, Technology and Data teams, you will translate business requirements into practical system and strategy solutions.
You will be involved in building and configuring decisioning strategies, executing detailed testing, analysing performance and identifying opportunities to improve outcomes.
From supporting change delivery through to monitoring impact, you will play a key role in driving continuous improvement and innovation in our credit risk approach.
Who we are At Virgin Media O₂, we connect people to the moments that matter most.
Virgin Media leads the UK for broadband reliability, speed and overall performance, while O₂ keeps people connected on the move with award-winning coverage.
We're also proud to be named one of the Financial Times Top 500 Best Employers for 2026, based on one of the UK's largest employee satisfaction surveys.
Join us and you'll be part of a team that stays curious, positive and focused on making life easier for our customers and each other.
We're investing in the future of connectivity, from expanding next-generation 5G to exploring satellite-supported solutions that help reach rural communities and hard-to-connect places.
You'll work with people who back good ideas and give you plenty of room to grow.
So if you're looking for a place where you can feel supported, trusted and genuinely valued, you'll feel right at home here.
Our ways of working We're a flexible-first organisation, because we know people do their best work when they have choice and clarity.
To support meaningful collaboration, we ask everyone to spend at least eight days a month connecting with each other in person.
That doesn't just mean time in the office - it could be team meetings, offsites, volunteering days, cross-functional projects, or away days.
What matters is making those moments count - so when we come together, it benefits everyone.
Accessible, inclusive and equitable for all We believe a better tomorrow starts with the choices we make today.
That means moving the dial on diversity, building equity into everything we do and putting inclusion at the heart of our business.
Virgin Media O₂ is an equal opportunities employer and we work hard to remove bias and barriers.
We want every person who joins us - and everyone thinking about joining us - to feel seen, heard and supported.
When you work with us, you'll have access to our award-winning employee network groups.
These communities bring people together, champion allyship and create uplifting spaces where you can learn, share and feel part of something bigger.
They play a big role in helping people feel connected from day one.
- The must haves
- Strong analytical skills with experience handling and interpreting complex data
- Experience using SQL, SAS, Big Query or similar analytical tools alongside advanced Excel
- Experience working with credit bureau data such as Experian, Equifax or Trans Union
- Experience delivering or supporting system or strategy change within a regulated environment
- Experience with API or system testing tools such as Postman or SOAP The other stuff we are looking for
- Experience with Power Curve Originations, Strategy Design Studio or similar decisioning platforms
- Understanding of credit risk and fraud strategies including early life risk
- Knowledge of scorecards, risk models and performance monitoring
- Experience working with multi bureau decisioning strategies
- Database design and implementation experience What's in it for you We know life isn't just about work, so our benefits are built to support you in the moments that matter.
You'll get Bupa healthcare, wellbeing support, life cover, a pension and generous holiday -plus your birthday off.
And there's more.
Enjoy some extra perks on us, with optional electric vehicle lease and Cycle2Work schemes, dental insurance, neurodiversity assessments, and brilliant discounts on broadband, TV and mobile.
You'll even get access to the Virgin Family platform and the O₂ Priority app, with exclusive rewards, experiences and chances to attend events at The O₂ and beyond.
Next steps If this feels like a place where you can belong, we'd love to see what you can do.
Once you apply, the next steps might include a call with a recruiter, a video interview, an interview with the hiring manager and a task or assessment.
We'll also ask about any adjustments you might need, and we'll do our best to make them happen.
We review applications and interview throughout the advert window, so it's worth applying sooner rather than later.
If you're offered the role, the offer will be subject to background checks, including a criminal record check and, for some roles, a financial background check.
LT-ST1
Credit Risk System and Strategy Analyst employer: Virgin Media O₂
At Virgin Media O₂, we pride ourselves on being an inclusive employer that values diversity and fosters a collaborative work culture. As an Operational Performance Manager, you'll benefit from our flexible-first approach, extensive employee support networks, and opportunities for professional growth, all while contributing to innovative connectivity solutions in a dynamic environment. With competitive benefits including healthcare, generous holiday, and unique perks, you'll find a rewarding workplace that truly cares about your well-being and development.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk System and Strategy 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 Virgin Media O₂. 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 Credit Risk System and Strategy 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 Virgin Media O₂.
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 Virgin Media O₂'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 Virgin Media O₂
✨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 Virgin Media O₂.
✨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 Virgin Media O₂ 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 Virgin Media O₂ 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.
