Credit Risk Insight Analyst

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 each month connecting 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 – anywhere meaningful collaboration happens. What matters is making those moments purposeful, so when we come together, it really counts.

Virgin Media O2 is an equal opportunities employer and we’re working hard to remove bias and barriers for our people and candidates. So, we build equity and inclusion into everything we do, from the policies we craft to the relationships we shape. We support and encourage you to be your authentic self throughout your application journey with us.

Responsibilities and Qualifications

• Designing, developing and deploying effective decisioning policies, producing actionable proposals and implementation plans to optimise our business and support customer outcomes.
• Monitoring the risk:reward profile of the portfolio (with customer lifetime value models), reviewing and proposing changes to acquisition strategies.
• Segmenting the portfolio by suitable risk‑related variables to identify any emerging trends, concentrations and potential new risks.
• Producing clear and easy‑to‑understand analytics to drive the key points home and support business direction setting.
• Analysing retro data to inform lending strategy, identify predictive features, and set our risk appetite.

The successful candidate will be highly analytical, have a passion for problem‑solving and be able to fit into a fast‑moving, innovative, and high‑profile environment. Prior consumer lending experience (1+ years) in a credit risk function is a must. You’ll be comfortable with analytical tasks, be a strong coder to extract data using SQL, and also be an Excel analysis‑whizz. You’ll need experience utilising credit risk scorecards and strategies. Strong analytical skills with experience in evaluating strategies and scorecards. Demonstrated ability to build comprehensive reports to segment and analyse portfolio performance. Experience of extracting, manipulating, and reviewing large amounts of data using SQL. Ability to communicate complex ideas effectively, both verbally and in writing. Creative capability to think about how we improve business processes & customer experience.

Working at Virgin Media O2, you get a bumper reward package bursting with benefits, and loads of extras you can add if you’d like. These are designed to support both you and your loved ones, making sure that you’re covered no matter what life throws your way.

Next Steps

If we feel like a place where you can belong, we’d love to learn more about you as a person and your experience to date. Once you’ve submitted an application the next steps of the process, if successful, are likely to include a competency based assessment. When you apply, you’ll be asked about any adjustments you might need to support the recruitment process. Let us know, and we’ll be sure to discuss it with you. Please note: Applications will be reviewed, and interviews conducted throughout the duration of this advert, therefore we may bring the closing date forward. We encourage all interested applicants to apply as soon as possible. If you’re offered a job with us, it will be conditional, based on the passing of background checks. All roles require a criminal record check and some roles need a financial probity check. Your recruiter can provide you with more information if needed.