Analyst(Data/ Business/ Application)

Credit Risk Analyst

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