About the Team
You will work in the Loss Forecasting & Portfolio Quality team within Credit Risk, a team of six out of approximately 60 FTE in the department, working on multiple priorities within a fast‑paced, dynamic environment. The team is responsible for aspects of bad debt, including forecasting, loss provisioning, write‑offs, assessing portfolio quality, and more.
About the role
As a Senior Credit Risk Analyst in the Loss Forecasting & Portfolio Quality team, you will leverage our data to generate insights into bad debt performance.
Reporting to the Senior Credit Risk Manager, you will manage stakeholder expectations and prioritise your workload to ensure bad debt impacts are accurately reflected across Financial Services, enabling us to make informed decisions.
You’ll work alongside top talent across Financial Services and the wider Group, collaborating to deliver the ambitions of the business and the Credit Risk function.
About you
- Bachelor’s degree in a quantitative field (e.g., Statistics, Mathematics, Economics, or a related discipline).
- Experience in loss forecasting, stress testing, scenario modelling or developing traditional statistical models (e.g., linear/logistic regression and decision trees).
- Proficiency in SAS, SQL and Excel for data extraction, manipulation and modelling.
- Experience within Credit Risk, financial services or banking.
- Understanding and/or experience of IFRS 9 accounting principles and modelling.
- A curious mindset with a passion for using data to solve complex problems.
- A collaborative team player who can quickly build relationships with colleagues and key stakeholders.
Some of our benefits
- Flexible, hybrid working model
- Inclusive culture and environment, check out our Glassdoor reviews
- £1000 flexible benefits allowance to suit your needs
- 30 days holiday plus bank holidays
- Udemy learning access
- Bonus potential (performance and business‑related)
- Up to 25% discount on Very.co.uk
- Matched pension up to 6%
- More benefits can be found on our career site
Diversity, inclusion and equal opportunities
We’re building a culture of everyday inclusion, and welcome applications from anyone who believes they can do the job. We do not discriminate based on age, disability, gender reassignment, marriage or civil partnership, pregnancy or maternity, race, religion or belief, sex, or sexual orientation.
We want our recruitment process to be accessible to everyone. If you need reasonable adjustments to apply, interview, or perform a role, let us know via talentacquisition@theverygroup.com. We’ll be happy to support you.
We’re proud to be a Disability Confident Committed Employer and have nine colleague networks – including DAWN (Disability Awareness at Very) and Think (Neurodiversity at Very) – that are helping us make Very an even more inclusive place to work.
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