As a Credit Risk System and Strategy Analyst you will 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, translating business requirements into practical system and strategy solutions. Your responsibilities include building and configuring decision‑making strategies, executing detailed testing, analysing performance, and identifying opportunities to improve outcomes. You will also support change delivery and monitor impact, driving continuous improvement and innovation in our credit risk approach.
Responsibilities
Translate business requirements into system and strategy solutions, working closely with Credit Risk, Technology and Data teams.
Build and configure credit‑risk decisioning strategies.
Execute detailed testing, analyse performance and identify improvement opportunities.
Support change delivery and monitor impact, driving continuous improvement and innovation.
Required Experience
- Strong analytical skills and experience handling and interpreting complex data.
- Experience using SQL, SAS, BigQuery or similar analytical tools alongside advanced Excel.
- Experience working with credit bureau data such as Experian, Equifax or TransUnion.
- Experience delivering or supporting system or strategy change within a regulated environment.
- Experience with API or system testing tools such as Postman or SOAP.
Desirable Experience
- Experience with PowerCurve 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.
Benefits
- Bupa healthcare, wellbeing support, life cover, pension and generous holiday, plus birthday off.
- Optional electric vehicle lease and Cycle2Work schemes, dental insurance, neurodiversity assessments and discounts on broadband, TV and mobile.
- Access to the Virgin Family platform and the O2 Priority app with exclusive rewards, experiences and event opportunities.
Equal Opportunity Statement
Virgin Media O2 is an equal‑opportunity employer and works hard to remove bias and barriers. We want people who join us, and everyone thinking about joining us, to feel seen, heard and supported.
