Job in a Nutshell
Reporting to the Credit Risk Manager work collaboratively within a challenging and fast paced environment to understand the credit and fraud risks faced by Three through the analysis and monitoring of credit scorecard performance.

The Role Involves

• Working with the business to refine credit risk management practices to enable business success whilst delivering a positive customer experience
• Assess and understand the end-to-end impact that credit management practices have on the customer experience and on business performance
• As required, report to management on the performance of credit management practices including scorecards
• Becoming self sufficient in extracting data from systems e.g., SQL, data extraction and analysis
• Be responsible for assessing credit risk for all products and services, implementing management controls and reporting risk performance to management
• Report regularly to the Credit Risk Manager, Head of Governance & Security and the CFO on scorecard effectiveness and overall credit risk performance
• Equip management with tangible credit risk performance indicators that quantify risk exposure
• Working with the credit management team in Mumbai to design and implement processes for the effective assessment and management of credit escalations
• Partner with the business in setting up and monitoring early warning key risk indicators
  Work within the Governance & Security team to manage all aspects of customer risks including consumer and business customers
• Within the context of credit management, manage the performance of third parties working on Three’s behalf.
• Keep up to date with factors that influence the external risk environment and translate these into tangible business impacts
• Represent Governance & Security as required, on cross functional projects within the business ensuring that credit risk is taken into consideration
• Understand and introduce credit management best practices from other markets and industries
• Be responsible for the policies, procedures and controls necessary for the effective management of credit risk
• Work to introduce a program and ethos of continuous improvement across all of Three’s credit risk practices
• As a stakeholder participate in the bad debt provisioning process
• Maintain an in-depth knowledge of Three’s product portfolio with special emphasis on risk
• On an ongoing basis work to transfer knowledge and learnings within the Governance & Security team and wider business
• Occasional international travel is a requirement
• Take responsibility for own personal development
• Any additional tasks as maybe reasonably required from time to time

Personal Characteristics

• An effective communicator comfortable working at all levels; detail, summary and executive
• Ability to quickly get to the root cause of an issue in a collaborative environment
• Delivery, objective and outcome focused
• Passionate about delivering an excellent customer experience
• A self starter comfortable working on their own initiative
• A valued and trusted business partner who is an effective influencer across the business
• A team player
• Excellent numeracy skills and comfortable with data
• Comfortable with change and working in a fast paced and challenging environment Passionate about excellence; not afraid to challenge the status quo and/or suggest new ideas

• Proven track record of success in utilising a collaborative approach to finding solutions to credit risk problems
• Ability to critically evaluate and interpret complex information gathered from multiple sources and translate it into tangible business and customer impacts
• Significant experience of credit management in a mass consumer technology based service industry Strong knowledge of financial statements including a firm understanding of how to use these to assess credit risk
• A proven ability to influence a wide variety of stakeholders utilising different styles
• Excellent verbal and written communications skills

Desirable Skills

• Knowledge of Mobile Telecommunications systems and processes
• Proficient in using MS Excel, Word, PowerPoint etc.
• Experience in using SAS an advantage
• Professionally trained in a formal Project Management discipline such as PRINCE2
• Process and/or quality improvement qualification an advantage e.g. six sigma