Credit Risk Lifecycle Systems Professional

Why this job matters

Our Credit Risk Lifecycle Team are responsible for managing credit risk across all CFU’s. Credit Risk is made up of teams that specialise in different elements of the customer lifecycle.

Supporting the delivery of credit decision engines and associated strategy deployments and their governance pan BT now for the consumer base of 19m and for the future as the focus on risk management intensifies.  Satisfying full legal and regulatory requirements, BTs Enterprise Risk Framework, the Consumer CFU strategy whilst contributing to and supporting the optimisation of personalised, agile, robust, sustainable and effective processes and strategy. 

A key member of a team who has direct impact on both P&L and customer experience, and supports the management of systems which perform 3.2m credit checks per year and manage the customer base of more than 19m accounts, manage over £6.2bn of monthly credit limit exposure maintaining £500m monthly billed revenue whilst protecting the customer and BT from bad debt.

What you’ll be doing

•    Use your professional and technical expertise and experience in the field of credit risk and high-volume consumer behavioural credit scoring for our large existing consumer base.
•    Maintain and execute the current and evolving BT Group Consumer credit strategy for our consumer base of 19m.  Supporting the development of the solution strategy and solution standards to meet all OFCOM, FCA, JMLSG and Consumer Credit Regulation and guidance.
•    Support the implementation, management and configuration of the decision management platforms used to assess and set controls based on the ongoing credit risk of the consumer base pan BT.  Controls to include setting appropriate limitations to the cross-sell and upsell of products, setting usage based credit limits to comply with our Responsible Lending policies and informed segmentation of the consumer base to aid effective marketing campaigns as well as past due collections and recoveries activity.
•    Use wide-ranging knowledge of the telecoms industry and specific knowledge of BT to influence teams across the business.  Specifying requirements for projects and ensuring credit risk systems and strategies are embedded within processes throughout the consumer portfolio.
•    3rd party relationship management with credit bureaux and with vendors of decision analytic platforms for new and existing customer management. 

 The experience you’ll need

•    Experience of implementing and supporting decision management platforms (Experian PCO, FICO DMP and Blaze) for high volume consumer credit decisions (more than 100m account assessments per annum
•    A good understanding of credit risk and fraud policies and processes for large scale organisations with practical experience in applying Ofcom, FCA, JMLSG and Consumer Credit Regulations
•    Experience of system development and implementation, translating requirements as necessary 
•    Understanding of credit and risk as a profession, keeping abreast of external trends / innovation through the relevant professional bodies
•    A proven track record of building and developing stakeholder relationships within a Credit Risk environment
•    Experience of large data file handling, batch control and management, ETL tools (Pentaho) and development of applications (FICO Application Studio)
•    Experience of coding with SAS/JAVA
 
The skills you'll need
•    Regulatory Compliance
•    Root Cause Analysis
•    Issue Resolution
•    Continuous Improvement
•    Change Management
•    Stakeholder Management
•    Risk Management
•    Business Insights
•    Data Analysis
•    Corporate Governance
•    Risk Mitigation
•    Decision Making

Our leadership standards

Looking in:
Leading inclusively
I inspire and build trust through self-awareness, honesty and integrity.
Owning outcomes
I take the right decisions that benefit the broader organisation.

Looking out:
Delivering for the customer
I execute brilliantly on clear priorities that add value to our customers and the wider business.
Commercially savvy
I demonstrate strong commercial focus, bringing an external perspective to decision-making.

Looking to the future:
Growth mindset
I experiment and identify opportunities for growth for both myself and the organisation.
Building for the future
I build diverse future-ready teams where all individuals can be at their best.