Senior Credit Analyst

Senior Credit Analyst

Waterloo - Hybrid Working

Full Time

Permanent

Grade 3

The Senior Credit Risk Analyst plays a pivotal role within the Mobile Credit Risk team, acting as a key point of expertise and escalation, supporting our Retail, Direct and Online Mobile Post Pay business.

• Oversee critical regulatory credit data submissions ensuring accuracy and timeliness is within industry guidelines.
• Manage offshore Credit Referral lifecycle processes, driving third‑party supplier performance against agreed KPIs, identify areas of improvement and improved resource management.
• Maintain supplier relationships with our credit data partners.
• Actively contribute to the continuous improvement of our credit checking processes & risk management, driving automation through the use of AI.

• Audit, approve, and submit automated monthly insight files to credit bureaus, covering approximately 2.7 million records.
• Maintain accuracy and integrity of all credit‑related data submissions and reporting outputs.
• Manage the creation of regular SIMO risk files for automated pre‑approval & debt prevention processes.
• Collate and produce and enhance daily, weekly, and monthly credit checking reports (where not managed offshore), using automation through AI.
• Identify missing risk‑codes and tariffs to ensure decision accuracy.

• Manage all Joiners, Movers, and Leavers (JML) processes for offshore outsourced agents across Vodafone & e (Concentrix).
• Administer system access provisioning and de‑provisioning across Success Factors, Citrix, and relevant third‑party systems.
• Deliver training to outsource teams on Credit Referral processes and procedures.
• Act as an escalation point for e and Vodafone outsource teams.
• Act as the primary liaison between Retail, Direct and Online teams for all credit‑related queries and escalations.
• Serve as a key point of contact with data suppliers and internal support teams for change management and incident resolution.
• Support the CEO Complaints team with credit‑related escalations and Subject Access Request (SAR) requests.
• Manage Retail Medic requests to ensure responses within SLA.

• Provide guidance and subject matter expertise across all credit‑related products and projects.
• Support the release and testing of scorecard change processes.
• Support internal testing requirements following IT system changes.
• Consult on and develop initiatives to improve credit checking processes, including automation, debt control, and risk management.
• Submit Purchase Orders (POs) and manage associated payment queries.
• Challenge third‑party data partners to ensure they deliver value‑for‑money, ensure charging accuracy and challenge where overcharging occurs.

• Provide cover and support to the Senior Credit Risk Manager during periods of absence and annual leave.
• Maintain availability on a 7/365 basis (in conjunction with the SCRM) to respond to emergency queries and escalations from Retail, Direct and Online teams and third‑party providers.

• Experience of providing solutions and analysing data.
• Experience of managing stakeholders at all levels.
• Experience with data visualisation, dashboards, PowerBI & AI.
• High attention to detail and accuracy.
• Strong commercial acumen.
• Good communicator able to build strong relationships with third‑party suppliers & vendors.

Every voice has a space at our table and we’re committed to making inclusion and diversity part of everything we do, including how we strengthen our workforce. We want to make sure you have a fair opportunity to show us your talents during our application process so if you need any additional assistance with your application please email  and we’ll do our best to help.