Credit Risk Analyst (Energy)

TL;DR

Credit Risk Analyst (Energy): Developing and optimizing credit risk and collections capabilities to reduce bad debt and improve customer outcomes with an accent on data-driven insights and risk appetite management. Focus on designing commercial risk models, automating data pipelines, and conducting A/B tests to optimize the credit lifecycle.

Location: Hybrid (Bristol, Glasgow, or London); attendance in the office at least once a week is required.

Salary: £46,000 – £52,000

Company

hirify.global is a green energy company on a mission to solve the climate crisis through its Plan Zero initiative.

What you will do

• Use SQL and Python to generate insights and lead initiatives to reduce portfolio risk and advance department strategy.
• Build and maintain Tableau and Looker dashboards to monitor trends, track performance, and assess KPIs.
• Design and develop commercial credit risk models, performing A/B tests and cost/benefit analyses to evaluate solutions.
• Automate processes and build data pipelines to reduce manual effort and improve data accessibility.
• Collaborate with cross-functional teams to provide data and insight that supports decision-making in credit risk and collections.
• Promote best practices and support team growth through peer reviews.

Requirements

• Proven experience in Credit Risk Analytics or Data Science, ideally within financial services, utilities, or energy sectors.
• Strong proficiency in SQL and experience using Python or R for analytics.
• Hands-on experience with Google Cloud, BigQuery, Github, Tableau, and Looker.
• Solid understanding of statistical concepts such as linear/logistic regression, hypothesis testing, and normal distribution.
• Experience using or developing Probability of Default (PD) Models.
• Must have the right to work in the UK; sponsorship is not provided for this role.

Culture & Benefits

• Competitive salary with an on-target bonus of 15%.
• 9% Flex Pay for pensions or a range of flexible green benefits.
• 34 days of holiday, including bank holidays.
• Comprehensive health package including healthcare cash plan and private medical insurance.
• Eco-friendly perks including discounts on solar, smart thermostats, and EV chargers.
• Wellbeing support including gym membership, travel insurance, and dental insurance.