Lead Analyst - Credit Management

This role is within the Collections Function, specifically focusing on Collections Analytics & Strategy. Our Collections Strategy Analysts turn data into actionable insights, enabling the tracking of key performance indicators. They support accurate forecasting of collections entrants, involuntary churn, and bad debt provision. Collaborating with colleagues across the company, they drive performance improvement changes in a fast-paced environment.

The successful candidate will use expertise in specialist systems, such as Alteryx, Snowflake and Tableau to understand and monitor the end to end collections journey drilling down to identify trends, issues and opportunities. They will investigate variances to forecasts and support changes to process, carrying out impact assessments and post implementation reviews.

• Utilize analytics tools to create data processes and reports, identifying key trends through data mining techniques.
• Develop and maintain Collections scorecard segmentation and customer journeys.
• Create predictive financial and economic models for decision-making, including forecasting involuntary churn, bad debt provision, and Non-Volume Opex Costs.
• Deliver Budget and QRF insights aligned with process and timelines.
• Engage with team members to manage and report on key performance objectives, challenging existing collections processes and policies.
• Proactively assess campaign success, customer profiles, and impact on Collections Recovery Rates using analytical tools and database platforms.
• Collect, analyze, and interpret information to support collections strategy development.
• Identify process shortcomings and implement change management programs.
• Analyze specified problems to find technical and professional solutions.
• Manage relationships with internal customers and act as their business partner.
• Identify key themes from various data sources and drive decision-making.
• Support business processes independently, utilizing specialist analytical software and database skills.
• Deliver relevant, lucid, and effective reports and insights.

• Strong analytical skills, particularly the statistical analysis of data, with the ability to deal with and make sense of large data sets.
• Proven experience recognising and understanding business problems, and then coming up with the most suited solution based on data & insight.
• Strong communication skills to communicate concisely with the stakeholders and clients regarding the requirements.
• Proven experience and understanding of statistical software is required, like SAS and SPSS, and relational databases like Microsoft SQL Server, MySQL database, Oracle DB, or NoSQL databases is required, and proficiency in business intelligence tools. Experience specifically using Alteryx, Snowflake and Tableau would be preferable.
• A degree level or equivalent education in a numerate or analytical discipline

What you'll receive in return…
Competitive annual salary, a performance based annual bonus & an additional 'flexible allowance' to spend on additional benefits, topping up your pension, or to be added to your salary.
Hybrid working between your home (2-3 days a week) and Glasgow office (2-3 days a week)
28 days annual leave + 8 bank holidays + 3 personal days annually, which increases with length of service
Private Medical Insurance, Life Assurance and Income Protection
Free mobile phone package & unlimited sim-card
.... Plus lots more including wellbeing and learning & development benefits!

Salary range for this role start's at £37,200, and exact salary will differ by job and experience

What you'll receive in return…

• Competitive annual salary, a performance based annual bonus & an additional 'flexible allowance' to spend on additional benefits, topping up your pension, or to be added to your salary.
• Hybrid working between your home (2-3 days a week) and our Glasgow office (2-3 days a week)
• Salary range for this role start's at £37,200, and exact salary will differ by job and experience
• 28 days annual leave + 8 bank holidays + 3 personal days annually, which increases with length of service
• Private Medical Insurance, Life Assurance and Income Protection
• Free mobile phone package & unlimited sim-card
• Free on-site car parking 

.... Plus lots more including wellbeing and learning & development benefits!

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.

With that in mind, if you do not ‘tick every box’ in the job advert above, there are likely other valuable attributes and skills you have that would make you a great addition for the team. So, if you feel this role is for you, then please apply! We are committed to equality in employment and growing a diverse workforce. We embrace those of any race, gender identity, sexual orientation, age, religion, disability, marital status, family status or civil status and we want our teams to reflect this!

We are a Disability Confident Committed Employer. Need any reasonable adjustments? Let us know when you apply so we can support you throughout the interview process.

At Three we have a hybrid working arrangement in place as standard for office based employees, where employees work from a mix of office based location and working from their home in the UK to carry on their role.

Excluding retail, our core hours at Three are between 10:00 and 16:00, with operating hours between 08:00 & 18:30. This allows employees to have a start time between 08:00 and 10:00 and finish time between 16:00 and 18:30.