Credit Risk Analyst (Collections)

TL;DR

Credit Risk Analyst (Collections): Analyzing credit data and strategy performance to support payment collection processes with an accent on commercial insight and customer behavior modeling. Focus on building and optimizing collection strategies, utilizing SQL and SAS to drive data-informed decisions within the financial services business.

Location: Based in Liverpool, UK (Hybrid role)

Company

A leading UK-based digital retailer helping families get more out of life through inclusive financial services and retail products.

What you will do

• Develop and refine collections and payment reminder strategies.
• Perform analytics on strategy performance to provide actionable business recommendations.
• Analyze customer behavior data to enhance collection outcomes.
• Collaborate with Customer Care teams to gather real-time insights.
• Implement systemic changes to support new credit risk strategies.
• Present data-driven insights to senior stakeholders.

Requirements

• Degree educated or equivalent practical experience in a similar role.
• Strong technical skills in SQL, SAS, and advanced Microsoft Excel.
• Strong problem-solving mindset and ability to think outside the box.
• Effective communication skills to influence stakeholders.
• Ability to work collaboratively in a team environment.
• Must be eligible to work in the UK.

Nice to have

• Experience in Credit Risk, specifically within Collections or Arrears Management.

Culture & Benefits

• Flexible, hybrid working model.
• 27 days holiday plus bank holidays.
• £250 flexible benefits allowance.
• Matched pension contribution up to 6%.
• Up to 25% staff discount on Very.co.uk.
• Access to Udemy learning platform.

Hiring process

• Initial 30-minute informal video call with the hiring team.
• One-hour formal interview including competency and technical tasks (can be in-person or remote).