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Job ID Location Work Location
210319 Glasgow Dual Location - Home & Glasgow Office
Job Type Contract Type Hours Per Week
Professional Full-time 37.5
Shift Pattern Closing Date
Standard Working Week N/A

Our people make us who we are. We’re a diverse and inclusive bunch, and it’s important you can feel you belong here. We value everybody for who they are and what they bring to the table, supporting one another as we continue to deliver for our customers.

Where possible we’re committed to flexible working and supporting our employees to have the right work life balance. Do however note, if you choose to apply for a different work location you will not have any eligibility for relocation support or travel allowances.

Our Credit Risk Analysts use their nifty skills analysing data to help Three maximise the number of connections on to our network, while minimising the risk.

To be at the top of your game here you'll need to be a dynamic, flexible and be at your best as part of a collaborative team.

We're looking for people that will constantly question, will look for opportunities to improve, are able to convey a message and love to delve into the data to solve a problem.

Credit Risk is pivotal in stopping applicants with a high propensity to be Fraud or Bad Debt connecting onto the network, whilst ensuring we take on as many connections as possible. You will be part of the team which controls the “First Bill Not Paid” rate for new connections: this is highly visible across the business and to our shareholders.

Credit Risk is pivotal in stopping applicants with a high propensity to be Fraud or Bad Debt connecting onto the network, whilst ensuring we take on as many connections as possible. You will be part of the team which controls the “First Bill Not Paid” rate for new connections: this is highly visible across the business and to our shareholders.

The successful candidate will have a key role in this by analysing and maintaining credit risk data.

By using their Excel skills, the successful candidate wil pro-actively analyse and interpret information to convey key trends and messages while also making robust recommendations to senior management. Outside the box thinking is a must!

As part of this, the successful candidate will also be assisting in the outward messaging of those key trends looking for areas where we can maximise profitable connections to the network.

Candidates will be able to see their recommendations all the way through into the live environment.

  • Proactively collect, analyse and interpret information to support the development of credit strategies, policies and processes.
  • An ability to create your own code to collect, analyse and interpret information to understand key trends using data mining techniques would be an advantage, but is not essential.
  • Use/learn how to use SAS to analyse project specific data, to proactively assess and communicate campaign success, customer profiles and impact on First Bill Not Paid.
  • Engage with team members to manage the key performance objectives and challenge existing credit policies.
  • Perform regular and ad-hoc tasks, and produce reports and presentations as required that will contribute to the successful operation of the Credit Risk team and core messaging to senior management.

Must have experience and knowledge:

  • Experience in analysing and interpreting data either within a Financial Services Sector or within Telecoms Business.
  • Able to identify key trends/issues quickly and suggest viable solutions
  • Proficient in Microsoft Office e.g. Excel, Word, PowerPoint
  • Advanced Excel skills: Pivots, Vlookup, conditional formatting etc. VBA beneficial.
  • Be engaged, enthusiastic and confident joining in team discussions
  • Analytical approach to problem solving
  • Highly numerate
  • Attention to detail / concern for accuracy
  • Strong communication skills, both written and verbal

Nice to have experience and knowledge:

  • Ideally have experience working in a credit risk role
  • Experience working in a fast paced organisation
  • Exposure and/or working knowledge of how to use SAS/SQL
  • A degree level or equivalent education in a numerate or analytical discipline

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Three are a proud signatory of the Tech Talent Charter (TTC), working across industries to drive greater inclusion and diversity in technology roles.

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