Senior Credit Analyst

Role overview:

Senior Credit Analyst
Waterloo - Hybrid Working
Full Time
Permanent
Grade 3

At Currys we’re united by one passion: to help everyone enjoy amazing technology. As the UK’s best-known retailer of tech, we’re proud of the service our customers receive – and it’s all down to our team of 25,000 caring and committed colleagues. Working as one team, we learn and grow together, celebrating the big and small moments that make every day amazing.

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 PostPay business.

• To oversee critical regulatory credit data submissions ensuring accuracy and timeliness is within industry guidelines.
• To manage our offshore Credit Referral lifecycle processes, driving our 3rd party supplier performance against agreed KPI’s, identify areas of improvement and improved resource management.
• Maintain our 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.

Role overview:

Reporting & Data Management

• 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 our 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.

Offshore Outsource Management (JML)

• Manage all Joiners, Movers, and Leavers (JML) processes for offshore outsourced agents across both Vodafone & iD Mobile (Concentrix).
• Administer system access provisioning and de-provisioning across SuccessFactors, Citrix, and relevant third-party systems.
• Deliver training to outsource teams on Credit Referral processes and procedures.
• Act as an escalation point for iD Mobile and Vodafone outsource teams.

Stakeholder & Supplier Engagement

• 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.

Project & Product Support

• 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.

Financial & Administrative

• Submitting Purchase Orders (POs) and manage associated payment queries.
• Challenge our 3rd party data partners to ensure they deliver value-for-money, ensure charging accuracy and challenge where overcharging occurs.

Senior Cover & Availability

• Provide cover and support to the Senior Credit Risk Manager during periods of absence and annual leave.
• Being comfortable maintaining 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 3rd party providers.

Skills & Experience Required:

• 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 3rd party suppliers & vendors.

Why join us:

Join our team and we'll be with you every step of the way, helping you develop the career you want with new opportunities, on-going training and skills for life.

Not only can you shape your own future, but you can help take charge of ours too. As the biggest recycler and repairer of tech in the UK, we’re in a position to make a real impact on people and the planet.

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 [email protected] and we'll do our best to help.