Senior Credit Risk Analyst

Role OVO-View

Team: Customer Balances

Salary banding:  £45,000 - £60,000

Experience: Mid-Level

Working pattern: Full-Time

Reporting to:  Unsecured 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

Closing date: Friday 11th October at 5pm

Where you’ll work:

At OVO, we understand that a one size fits all approach doesn’t work for everyone. That’s why we created the OVO Way of Flexibility.

All our roles are hub based (Bristol, Glasgow or London), providing a dedicated space for collaboration, connection and teamwork. You’ll also have the flexibility to work from home.

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 Senior 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 insight to generate and lead initiatives to advance the department strategy and reduce portfolio risk.
• Assess trends and performance against targets and key performance indicators
• Identify and develop opportunities to improve insight for credit risk and customer credit behaviours, supporting decision making across all stages of the credit risk life cycle.
• Commercial modelling, creating cost/benefit analysis of proposed actions and outcomes 
• Reduce manual effort through automation 
• Solving business problems with a multidisciplinary approach and working in cross - functional teams. 
• Building data pipelines for data integration
• Support others with peer reviews and provide relevant feedback to other junior members of the team to continually develop skills

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

• Have strong proven experience in a similar data or analytical role.
• Are highly numerate and analytical, able to delve into the detail but also zoom out to understand the strategic view
• Possess strong SQL skills and confident in working with a range of datasets, ideally within the utilities, energy or credit risk sector
• Can confidently build and present meaningful data visualisations
• Are comfortable presenting work in front of an audience in an engaging way, with experience of working with internal and external stakeholders
• Can interpret graphical representations of data, draw conclusions and make recommendations.
• Have experience in cloud data services such as Google Cloud Platform
• Statistical knowledge including sampling, significance, hypothesis testing and basic probability theory
• Able to document and version control your work so others can pick it up and build on it
• Experience of leading collaborative sessions such as meetings and workshops
• Experience of working in a fast paced environment where prioritisation is required
• Experience programming for analytics such as in Python or R
• An understanding of basic programming principles such as names, types, lists, arrays, control flow, exceptions
• We use Google cloud, BigQuery, Github, Tableau, Looker - experience in these or similar technologies is preferred

Let’s talk about what’s in it for you

We’ll pay you between £45,000 and £60,000, 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..