Senior Credit Risk Analyst

Summary

Location
Manchester

Job Family
Corporate Functions

Job Type
Full Time

Posted Date
15-Nov-2024

Ref #
62952

This role is part of the Tesco Mobile team and will be based out of our Manchester office.

Our working style is hybrid, typically spending 2 days per week in one of our offices.

You will be part of the Credit Risk & Fraud squad, a team of 7, working on multiple priorities in a fast-paced, agile environment. The team is responsible for our identity, fraud, creditworthiness, and payment checks, among other tasks. We collaborate with different squads across the business, providing advice, expertise, and change support.

The role involves leading credit risk analytics activities, including deep-dives, segment performance, strategy reviews, and providing ad-hoc insight into emerging trends and risks. You will ensure the availability of high-quality data for analysis and reduce manual effort through automation. Collaborate with team members and the wider business to provide data and insight that supports decision-making to improve business performance and customer outcomes. Support and influence the delivery of credit risk insight through the existing MI suite and the creation of new reports and dashboards.

Who we are

Tesco Mobile is a unique business, a 50/50 joint venture between VMO2 and Tesco that launched in 2003. We have more than 5 million customers and are award-winning, instilling agile methodologies and encouraging a can-do attitude across teams. We're always on the lookout for the best talent from our shareholders or the wider industry.

Working at Tesco Mobile means being employed by one of our joint venture shareholders - Virgin Media O2 or Tesco Mobile. Our culture is uniquely Tesco Mobile, with a strong sense of community and the benefits of working for one of the shareholders. We celebrate diversity and recognize its value in fostering human connection.

The must haves

In order to be considered, you must have the following experience:

• Advanced analytical and business problem-solving skills with experience evaluating strategies and scorecards.
• Exposure to consumer credit data services - bureau, affordability, and behavioral.
• Experience extracting, manipulating, and analyzing large data sets using SQL and Python.
• Ability to build insightful MI to segment and analyze performance using Power BI and Excel.
• Ability to present findings and recommend changes to a diverse range of stakeholders.
• Experience in consumer credit risk.

The other stuff we are looking for

We'd also love you to bring:

• Exposure to credit risk decisioning systems.
• An understanding of the statistical aspects used in credit risk modeling.
• Knowledge of the FCA Consumer Credit Regulation across the full credit lifecycle.
• Experience working within an agile business environment.

What's in it for you

Our goal is to celebrate our people and build a culture that empowers everyone to bring their best selves to work. We believe that an inclusive and diverse culture makes for a better business and a brighter world.

Working at Tesco Mobile means you get a comprehensive reward package bursting with benefits, crafted to support you and your loved ones.

We're all about hybrid working, so expect a base location with the right facilities for collaboration and quality time with your team, along with the tools to work from home.

Next steps

If we feel like a place where you can belong, we'd love to learn more about you and your experience. Once you've submitted an application, the next steps will likely include a two-stage competency-based interview process.

Please note: Applications will be reviewed throughout the duration of this advert, so we may bring the closing date forward. We encourage all interested applicants to apply as soon as possible. Job offers will be conditional based on background checks. Your recruiter can provide more information if needed.

Thank you for your patience and interest in joining the Tesco Mobile family.