Senior Credit Risk Analyst

Job Description

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

Our working style is hybrid, but we recognise the importance of time together and typically spend 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, credit worthiness and payment checks, and much more besides. We spend time butterflying into 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. Ensure the availability of high-quality data for analysis and reducing the manual effort through automation. Work collaboratively with team members and the wider business to provide data and insight that supports the decision making to improve our business performance and customer outcomes. Also support and influence the delivery of credit risk insight through the existing MI suite as well as the creation of new reports and dashboards.

Who we are

Tesco Mobile is a totally unique business, a 50/50 joint venture between VMO2 and Tesco that launched back in 2003 and has gone from strength to strength as we’ve launched into new services, markets and customer propositions.

Tesco Mobile has more than 5 million customers and is award-winning, instilling agile methodologies and encouraging a phenomenal can-do attitude across its teams. We're always on the lookout for the best talent, be that from our two 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 Head Office vacancies are advertised under both brands. Our culture is uniquely Tesco Mobile with a phenomenal sense of community, but with all the benefits of working for one of the shareholders as well. We pride ourselves on being a company where everyone’s welcome and truly feels able to be themselves. We not only celebrate diversity but recognise the value and opportunity it brings in helping us to care for human connection – we are supermarket mobile!

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 behavioural.
• Experience of extracting, manipulating, and analysing large data sets using SQL and Python.
• Ability to build insightful MI to segment and analyse performance using Power BI and Excel.
• Ability to present findings and recommend change 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 modelling.
• 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, their lives and everything in-between. We strive to build a culture that empowers everyone to bring the best versions of themselves to work each and every day. We believe the most inclusive and diverse culture makes for a better business and a brighter world.

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

We're all about hybrid working here, so expect to have a base location where you'll have the right facilities to enable outstanding collaboration and quality time with your team, alongside all the right kit to work from home too.

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 is likely to include a two stage competency based interview process.

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.

Thanks for your patience and for showing a curiosity about joining the Tesco Mobile family.

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