Credit Risk Analyst

11w2 months ago

Virgin Media O2

London, GB · Full-time · £42,000 – £58,000

About this role

As a Credit Risk Analyst at Virgin Media O₂, you’ll play a key role in protecting sustainable growth by balancing risk, profitability and customer outcomes. This role sits at the heart of our consumer credit risk function, shaping acquisition and management decisions across the portfolio.

You’ll monitor credit risk strategies, analyse model performance and segment the portfolio to identify trends, emerging risks and opportunities for improvement. This ensures decisions remain commercially sound and aligned to risk appetite.

Working closely with stakeholders across Credit Risk, Finance and Commercial teams, you’ll deliver meaningful MI, bad debt forecasting and insightful commentary. This supports planning, budgeting and optimisation of acquisition processes while enhancing customer experience.

Virgin Media O₂ is a flexible-first organisation where you connect with colleagues in person at least eight days a month. Join a team that stays curious and focused on making life easier for customers in a dynamic connectivity environment.

Requirements

Experience monitoring credit risk strategies and model performance
Strong skills in portfolio segmentation and trend analysis
Proficiency in producing MI and bad debt forecasts
Ability to deliver commentary that informs planning and budgeting
Knowledge of consumer credit decisioning and risk appetite frameworks

Responsibilities

Monitor credit risk strategies and analyse model performance
Segment the portfolio to spot trends, emerging risks and opportunities for improvement
Deliver meaningful MI and bad debt forecasting
Provide insightful commentary supporting planning, budgeting and continuous optimisation
Optimise acquisition and decisioning processes
Enhance customer experience through aligned risk management