Senior Credit Risk Analyst

Role OVO-View

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.

Everyone belongs at OVO

At OVO, we are on a mission to solve one of humanity's biggest challenges, the climate crisis. And we know it takes all of us to change the world. That's why we need diverse people from all abilities, gender identities, ethnicities, ages, sexual orientations, life experiences and backgrounds to join us.

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. Here’s how:

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 demonstable 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