Credit Risk System and Strategy Analyst Manchester

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Virgin Media O2 is seeking a Credit Risk System and Strategy Analyst in Manchester to shape, implement, and monitor credit risk systems and policies that power our acquisition strategy across Fixed and O2 Consumer mobile, working with the Credit Risk System and Strategy Lead to refine the approach, using MI and data to drive strategic recommendations, support issue resolution and ensure robust monitoring of outcomes, while collaborating with analytics and data teams to document processes that interact with credit risk systems and guarantee accurate decisioning. The must haves include strong knowledge of credit risk and fraud prevention, experience developing and improving acquisition strategies, implementing systems and policies aligned with business strategy, proficiency in SQL, BigQuery, SAS or transferrable coding, plus MS Office and advanced Excel, and the ability to partner with analytics teams to assess impact. Desirable items include familiarity with PowerCurve, Strategy Design Studio or FICO, experience with Experian, Equifax or TransUnion bureau services, strong problem solving and a creative approach. The process usually involves an initial screening, interviews and a technical assessment, with adjustments available to support you through the recruitment process.

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Summary

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Location Manchester Job Type Full Time Posted Date 20-Feb-2026 Ref # 71256

This exciting opportunity as a Credit Risk Analyst based in Manchester, you will play a pivotal role in crafting the future of our credit risk strategies. You will be involved in developing and implementing world-class systems and policies to drive our acquisition strategy, ensuring flawless execution and robust monitoring. 

You will partner with the Credit Risk System and Strategy Lead to improve the entire strategy. This strategy focuses on accurately decisioning applications across Fixed and O2 Consumer mobile areas. Your tasks include utilising MI and data to drive strategic recommendations or resolving technical issues impacting Credit Risk outcomes and exposure.  Additionally, you will work closely with other teams to detail processes that interact with credit risk systems to guarantee accurate outcomes. 

Who we are

The UK’s fastest broadband network. The nation’s best-loved mobile brand. And, one of the UK's biggest companies too. We put our customers first, making life simpler, smoother, and more joyful. With big ambitions and a brilliant team, we’re building a more connected future for everyone.

The must haves

In order to be considered, you must have the following experience;

• Strong knowledge of credit-related risk and fraud prevention strategies and techniques 
• Supporting the development and improvement of credit risk acquisition strategies.
• Implementing systems, strategies, and policies to improve acquisition in alignment with business strategies.
• Proficiency in SQL, Big Query, SAS, or transferrable coding skills, along with MS Office and advanced Excel.
• Collaborating with analytics and data teams for robust monitoring and understanding the impact of changes made.
• Ensuring acquisition strategies deliver encouraged results and identifying any implementation or strategy issues.

The other stuff we are looking for

We'd also love you to bring;

• Familiarity with PowerCurve, Strategy Design Studio or FICO system management

• Strong knowledge of credit risk and fraud prevention strategies and techniques

• Experience with Experian, Equifax, or Transunion bureau services across credit decisioning and Fraud behavioral services.
• Problem-solving ability with strong attention to detail.
• A challenging and creative approach.

What's in it for you

If we feel like a place where you can belong, we'd love to learn more about you as a person and your experience to date. Once you've submitted an application the next steps of the process, if successful, are likely to include a telephone conversations and an interview.

When you apply, you'll be asked about any adjustments you might need to support the recruitment process. Let us know, and we'll be sure to discuss it with you. Thanks for your patience in the meantime and for showing an interest in joining the Virgin Media O2 family.

Next steps

Once you've applied, the next steps of the process, if successful, are likely to include an initial screening, followed by interviews and a technical assessment. 

Adverts will be running for a 2-week period, so please be aware that you may not hear from us until the advert has closed.

If you’ve got any burning questions or require reasonable adjustments to support you through the recruitment process, please drop the recruiter a note.

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