Credit Risk Modelling Analyst

Job description

At British Gas, our mission is to sell it and mend it.   

We’ve been powering the UK’s homes and businesses for over 200 years – but supplying energy is just part of what we do. We’re making the UK greener and more energy efficient, getting closer to Net Zero. By using clever tech like thermostats, heat pumps, solar panels and EV chargers, we’re making it cheaper and easier for our customers to reduce their carbon-footprint.

We are seeking a talented Credit Risk Modelling Analyst to play a pivotal role in establishing a new Credit Risk function within British Gas’ Residential Energy collections team. This role will begin with a comprehensive review of the work completed by the existing Credit Risk team, followed by the development of a strategic plan to build a best-in-class Credit Risk capability that delivers industry-leading insight.

The Role

• Analyse customer behavioural data to identify emerging trends and patterns.
• Evaluate current collections strategies to uncover weaknesses and provide actionable insights that drive performance improvements.
• Detect early warning indicators of potential risks and opportunities, enabling proactive intervention through advanced data analysis.
• Serve as the go-to expert for analytical tools and techniques across the Credit Risk and wider debt teams.
• Develop and deliver insightful reports that explain historical debt performance and inform strategic decisions.
• Lead and contribute to regular Credit Risk meetings, presenting findings and recommendations to senior stakeholders, including director-level audiences

The Person

• Highly numerate
• Attention to detail
• Strong experience in Credit Risk, ideally within a regulated industry.
• Strong knowledge of Credit Reference Agencies and the ability to leverage their data for impactful analysis.
• Experience in the Energy sector is advantageous but not essential.
• Advanced proficiency in analytical platforms such as Databricks, Python, SQL, and Power BI, with expert-level skills in Microsoft Excel.
• Proven ability to translate complex datasets into clear, actionable insights for senior leadership.
• Excellent communication skills, both verbal and written, with the ability to tailor messaging to different audiences.
• Self-motivated and proactive, capable of delivering high-quality analysis with minimal supervision.
• Demonstrates leadership qualities and sound judgment in selecting analytical approaches.
• Prior experience in team leadership is desirable but not essential.

Education

• Degree in a statistics or similar numerate discipline or equivalent experience desirable

Work Experience

• Relevant analytical and/or data modelling experience gained within a credit risk environment or similar