Credit Risk Modelling Analyst

Centrica plc; City of Edinburgh; On-site; GBP 40,000 - 60,000; Full time

Job summary

A leading energy company in the UK is seeking a Credit Risk Modelling Analyst to establish a new Credit Risk function within the Residential Energy collections team. The role involves analysing customer data, evaluating collections strategies, and developing insightful reports. Ideal candidates have strong experience in Credit Risk and proficiency in analytical platforms like Databricks and Python. This position offers opportunities for professional growth in a supportive environment focused on sustainability and inclusivity.

Benefits

Flexible working arrangements

Comprehensive Carers Policy

Health and wellness support

Qualifications

• Strong experience in Credit Risk, ideally within a regulated industry.
• Ability to leverage data from Credit Reference Agencies for analysis.
• Experience in the Energy sector is advantageous but not essential.

Responsibilities

• Analyse customer behavioural data to identify emerging trends.
• Evaluate collections strategies and provide actionable insights.
• Develop and deliver reports on historical debt performance.

Skills

Numeracy

Credit Risk experience

Analytical skills

Attention to detail

Communication skills

Education

Degree in statistics or related field

Tools

Databricks

Python

SQL

Power BI

Microsoft Excel

Job description

Credit Risk Modelling Analyst page is loaded## Credit Risk Modelling Analystlocations: Edinburgh: UK - Leicester - Spinneyside: UK - Windsor - Millstream: Stockport: Leedstime type: Full timeposted on: Posted Todaytime left to apply: End Date: January 4, 2026 (16 days left to apply)job requisition id: R0077763**Join us, be part of more.** We’re so much more than an energy company. We’re a family of brands revolutionising how we power the planet. We're energisers. One team of 21,000 colleagues that's energising a greener, fairer future by creating an energy system that doesn’t rely on fossil fuels whilst living our powerful commitment to igniting positive change in our communities. Here, you can find more purpose, more passion, and more potential. That’s why working here is #MoreThanACareer. We do energy differently - we do it all. We make it, store it, move it, sell it, and mend it. **About your team:** 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.* 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 We’re not a perfect place – but we’re a people place. Our priority is supporting all of the different realities our people face. Life is about so much more than work. We get it. That’s why we’ve designed our total rewards to give you the flexibility to choose what you need, when you need it, making sure that you and your family are supported not only financially, but physically and emotionally too. Visit the link below to discover why we’re a great place to work and what being part of more means for you. If you're full of energy, fired up about sustainability, and ready to craft not only a better tomorrow, but a better you, then come and find your purpose in a team where your voice matters, your growth is non-negotiable, and your ambitions are our priority.Help us, help you. We would love for you to share any information about yourself throughout our recruitment process so that we can better understand you and help shape your journey.We’re a family of brands revolutionising how we power the planet. When it comes to energy, no one does it like us. We make it, store it, move it, sell it and mend it. We’re made up of 12 different businesses, but united by our purpose as Centrica. We’re energisers. Our journey to a greener, fairer future is powered by individuals like you.### We’re powered by purposeThrough innovative green products, intelligent energy solutions and developing smarter ways to use and save energy, we’re not just part of the energy transition, we’re leading it. Our commitment goes beyond sustainability. Together we’re bringing our collective energies to create positive change in our local communities. If you immerse yourself in our fight to change tomorrow, you might just find your why.We’re looking for people to add to our culture – not fit in with it. We're building a community where you can be unapologetically you, where differences are celebrated, and where everyone can belong. Real inclusivity also means supporting the different realities our people face. That’s why we have the UK’s best Carers Policy and are continually building our approach to flexibility and wellbeing. Of course, we love having fun too. We’re a people place after all.