Lead Credit Risk Analyst

We are a dynamic and innovative company committed to managing credit risk effectively. Our team plays a crucial role in ensuring the financial health of our organization while maintaining a positive customer experience.

As a Credit Risk Analyst, you will be at the forefront of decision-making. Your insights and data-driven recommendations will directly impact our credit policies, strategies, and overall success. 

• Monitor, maintain and enhance critical credit scorecards and decisioning performance across consumer and business journeys.
• Collaborate with other team leads to identify risks, improve processes, and optimize connections to our network.
• Engage with stakeholders across different business areas to align strategies and achieve company goals.
• Provide valuable feedback on propositions, projects, and services.
• Analyze data using Excel, SAS, Alteryx, and Python to identify trends and opportunities.
• Challenge existing credit policies and propose effective changes.
• Perform regular and ad-hoc tasks, delivering actionable insights to drive positive outcomes.

• Experience managing and developing credit scorecards (Essential).
• Advanced Excel skills (Macros, Pivots, VLOOKUP, conditional formatting, etc.). VBA knowledge is beneficial.
• Recent experience analyzing data using SAS/SQL, Alteryx, or similar tools (within the last 6 months).
• Mathematical or finance-related degree or proven experience at a senior/lead analyst level.

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/Reading office (2-3 days a week mandatory)
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 starts at £37,200 and exact salary will differ by job and experience.

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.