Credit Risk Analyst - 12 month FTC

Team: Customer Balances

Salary banding: £38,000 - £50,000

Experience: Mid-Level

Working pattern: Full-Time

Role Type: 12 month Fixed-Term Contract

Reporting to: Secured Revenue Strategy Lead

Sponsorship: Unfortunately we are unable to offer sponsorship for this role.

This role in 3 words: Credit Risk, Analysis, 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:

Extremely exciting opportunity to work in a major, progressive utilities business working across credit risk and collections, where you will be able to make a real difference for customers.

As a Credit Risk Analyst in the Customer Balances you will be responsible for the effective management of key debt prevention strategies, processes, analytics and MI which underpin the Collections operation, allowing it to function, manage risk and drive reductions to debt balances whilst increasing revenue.

You’ll be working collaboratively with team members across customer 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 support 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 and support decision-making across all stages of the credit risk lifecycle.
• Assisting in the design and development of commercial and credit risk models, setting up A/B tests, and supporting 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.
• Supporting data integration by building and maintaining data pipelines under the guidance of senior team members.
• Collaborating with team members through peer reviews and adopting best practices to support team growth.

You’ll be a successful Credit Risk Analyst here at OVO if you…

• Have 1+ years of 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 dig into data while understanding the bigger picture.
• Possess strong SQL skills and are comfortable working with datasets, with some experience using Python or R for analytics.
• Can build, interpret, and present meaningful data visualisations, while making logical business recommendations.
• Are willing to develop presentation skills and build confidence presenting analysis to stakeholders.
• Have a basic understanding of statistical concepts such as sampling, significance testing, hypothesis testing, and linear/logistic regression.
• Are eager to learn and contribute to documentation and version control, ensuring your work is clear and reproducible.
• Thrive in a fast-paced environment and are adaptable to shifting priorities.
• Have an understanding of core programming principles such as data types, lists, arrays, control flow, and exception handling.
• Have hands-on experience or a willingness to learn technologies such as Google Cloud, BigQuery, GitHub, Tableau, and Looker.

Let’s talk about what’s in it for you

We’ll pay you between £38,000 and £50,000, depending on your specific skills and experience. If your expectations are a little different, have a chat with us!

We keep our pay ranges broad on purpose to give us, and you, flexibility to match your experience to our zero carbon mission.

You’ll be eligible for an on-target bonus of 15%. We have one OVO bonus plan that focuses on the collective performance of our people to deliver our Plan Zero goal.

We also offer plenty of green benefits and progressive policies to help you feel like you belong at OVO…and there’s flex pay. It’s an extra 9% of your salary on top of your core pay to use as you like. You can take it as cash, add to your pension, or choose to spend it on a huge range of flex benefits.

Here’s a taster of what’s on offer:

For starters, you’ll get 34 days of holiday (including bank holidays).

For your health
With benefits like a healthcare cash plan or private medical insurance depending on your career level, critical illness cover, life assurance, health assessments, and more

For your wellbeing
With gym membership, gadget, travel and cyber insurance, workplace ISA, will writing services, DNA testing, dental insurance, and more

For your lifestyle
With extra holiday buying, discount dining, culture cards, tech loans, and supporting your favourite charities with give-as-you-earn donations

For your home
Get up to £300 off any OVO Energy plan (when you pay by Direct Debit), plus personal carbon offsetting and great discounts on smart thermostats and EV chargers

For your commute
Nab a great deal on ultra-low emission car leasing, plus our cycle to work scheme and public transport season ticket loans

Want to hear about our full range of flexible benefits and progressive people policies? Our People Team can tell you everything you need to know.

For your Belonging

To find better ways to support our people, we need to listen to each other’s experiences and find ways to build a truly inclusive and diverse workplace. As part of this, we have 8 Belonging Networks at OVO. Led by our people, for our people - so when you join OVO, you can play a part - big or small - with any of the Networks. It's up to you.

Oh, and one last thing...

We’d be thrilled if you tick off all our boxes yet we also believe it’s just as important we tick off all of yours. And if you think you have most of what we’re looking for but not every single thing, go ahead and hit apply. We’d still love to hear from you! If you have any additional requirements, there’s a space to let us know on the application form; we want to make the process as easy and comfortable for you as possible..