Credit Risk Analyst

Summary

Location:

Birmingham, Leeds, London, Manchester, Reading.

Job Family:
Commercial.

Job Type: Full Time.

Posted Date: 18-Jun-2026.

Location – UK Flexible (Hybrid).

As a Credit Risk Analyst at Virgin Media O₂, you’ll play a key role in protecting sustainable growth by balancing risk, profitability and customer outcomes. This role sits at the heart of our consumer credit risk function, where your insight will help shape how we acquire and manage customers across our portfolio, ensuring decisions are commercially sound and aligned to our risk appetite.

You’ll be responsible for monitoring credit risk strategies, analysing model performance and segmenting the portfolio to spot trends, emerging risks and opportunities for improvement. Working closely with stakeholders across Credit Risk, Finance and Commercial teams, you’ll deliver meaningful MI, bad debt forecasting and insightful commentary that supports planning, budgeting and continuous optimisation of our acquisition and decisioning processes, while enhancing customer experience.

We’re a flexible-first organisation, because we know people do their best work when they have choice and clarity. To support meaningful collaboration, we ask everyone to spend at least eight days a month connecting with each other in person. That doesn’t just mean time in the office – it could be team meetings, offsites, volunteering days, cross‑functional projects or away days.

What matters is making those moments count – so when we come together, it benefits everyone.

We believe a better tomorrow starts with the choices we make today. That means moving the dial on diversity, building equity into everything we do and putting inclusion at the heart of our business. Virgin Media O₂ is an equal opportunities employer and we work hard to remove bias and barriers. We want every person who joins us – and everyone thinking about joining us – to feel seen, heard and supported.

• Experience of credit policy or credit acquisition procedures within a consumer lending environment
• Strong analytical capability with proficient use of SAS or SQL and Excel
• Ability to translate business requirements into clear MI, insight and actionable recommendations
• Proven ability to communicate analysis and business impact clearly to stakeholders
• Experience monitoring portfolio performance, bad debt or loss outcomes

• Experience with in telecoms, retail finance or a regulated consumer credit environment
• Familiarity with credit decisioning or strategy design tools such as Experian Strategy Design Studio
• Experience producing and presenting forecasting or performance MI to senior audiences
• Exposure to fast‑paced, data‑driven environments with competing priorities
• Knowledge of credit bureau data and its application in risk strategies

We know life isn’t just about work, so our benefits are built to support you in the moments that matter. You’ll get Bupa healthcare, wellbeing support, life cover, a pension and generous holiday –plus your birthday off. And there’s more. Enjoy some extra perks on us, with optional electric vehicle lease and Cycle2

Work schemes, dental insurance, neurodiversity assessments, and brilliant discounts on broadband, TV and mobile. You’ll even get access to the Virgin Family platform and the O₂ Priority app, with exclusive rewards, experiences and chances to attend events at The O₂ and beyond.