Credit Risk System and Strategy Analyst or Paddington

Location

London, Reading

Full Time

20-Feb-2026

71237

This exciting opportunity as a Credit Risk Analyst based in Reading or Paddington, 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.

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.

• 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.

We'd also love you to bring;

• Familiarity with Power Curve, 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.

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.

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.

Things move pretty fast around here. New tech, new products, new ideas - and new opportunities for talented people like you.

So, create a tailored job alert and we'll let you know as soon as your dream role's ready for you.