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Virgin Media O2 • London, Manchester

Senior Credit Risk Insight Analyst

Employment type:  Full time

4 days/week at home

A little flex time

Apply now

Job Description

Virgin Media O2 is expanding its Credit Risk team, and an exciting opportunity has arisen for a Senior Credit Risk Insight Analyst to join the team. The role involves providing Credit Risk insights across our New and Existing consumer base. Diving into Credit Risk metrics with the creation and maintenance of Management information that will be the heartbeat of our Credit Risk Strategies.

Provide strong insights through ad hoc analysis, identification of emerging trends, and revealing potential areas for improvement that will keep us steps ahead of the game.

The successful candidate will be able to quickly fit into a fast-moving, innovative, and high-profile environment, and will be required to hit the ground running. Prior consumer lending experience in a credit risk function is therefore a prerequisite. The role involves managing and evaluating our decisioning strategies; candidates will be involved in setting direction and leading the way, whilst very much retaining a hands-on approach.

The ideal candidate will possess a broad range of skills, including strong quantitative and analytical skills; proficiency with SQL for data extraction; Python and Excel for data analysis; and an understanding of building/monitoring credit risk scorecards!

Who we are

The UK’s fastest broadband network. The nation’s best-loved mobile brand. And, one of the UK's biggest companies too.

Diverse, high performing teams - jam packed with serious talent. Together, we offer the UK more choice and better value, through our boundary-pushing, customer-championing values and ambitions.

Together, we are Virgin Media O2, and we can't wait to see what you can do.

Accessible, inclusive and equitable for all

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.

The must haves

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

  • Be proficient in Credit Risk management using tools such as SQL / GCP / Tableau
  • Well versed in in loan portfolios and determining risk exposure
  • Deep understanding of Credit Risk data and services
  • Strong communications skills, with the ability to translate technical business problems, into meaningful analysis which can be shared with key stakeholders.
  • Proven strong analytical and business problem solving skills; able to understand complex business system functionality and develop strategies.
  • Team leadership and workload management

The other stuff we are looking for

We'd also love you to bring;

  • Exposure of Credit Risk decisioning systems such as Powercurve
  • Telecommunications sector and/or Retail Finance exposure
  • Ability to work cross function for the product ionisation of Credit Risk MI
  • ML Modelling techniques exposure

What's in it for you

Our goal is to celebrate our people, their lives and everything in-between. We aim to create 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 Virgin Media O2, you get a bumper reward package bursting with benefits, and loads of extras you can add if you’d like to. 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 Saville and Competency based interview.

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. Thanks for your patience and for showing an interest in joining the Virgin Media O2 family.


Company benefits

Enhanced maternity leave – 26 weeks at full pay
Enhanced paternity leave – 14 weeks at full pay
Adoption leave – 26 weeks at full pay
Shared parental leave
25 days annual leave + bank holidays
Enhanced sick pay
Pregnancy loss leave
Teambuilding days
Open to part time work for some roles
Mental health platform access
Birthday off
Carer’s leave
Meditation space
Faith rooms
In office catering
Volunteer days
Employee discounts
Open to job sharing
Buy or sell annual leave
Cycle to work scheme
Life assurance
Financial coaching
Employees are very happy with their working location freedom
Employees are very happy with the flexibility in the hours they work
Employees are largely happy with the benefits their company offers
Work-life balance
Employees feel that they can switch off quite easily from work
Role modelling
Employees feel that most people work flexibly
Employees feel they have complete autonomy over getting their work done

Working at Virgin Media O2

Company employees


Gender diversity (male:female)


Office locations

Flexible; Primary Locations Hammersmith & Reading

Hiring Countries

United Kingdom

Awards & Achievements

3rd – Large companies

3rd – Large companies

Flexa100 2024
Consumer Goods

Consumer Goods

Industry awards 2023
2nd – Large companies

2nd – Large companies

Flexa100 2023

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